Texas Insurance Continuing Education (CE)

Course Catalog

Required CE Hours

Producers and Adjusters (Updated September 1, 2015)

24 CE hours are required every 2-year license term. 2 hours of the required 24 CE hours must be in ethics and/or consumer protection. Those who hold more than one license are not required to complete more than 24 hours (including 2 hours of ethics and/or consumer protection). Producers must complete at least 12 hours (50% of their required CE) in certified classroom or classroom equivalent courses; up to 12 hours may be completed with self-study courses.

 

Limited Lines Producers

10 CE hours are required every 2-year license term. 2 hours of the required 10 CE hours must be in ethics and/or consumer protection. Producers who hold more than one license are not required to complete more than 10 hours (including 2 hours of ethics and/or consumer protection). Producers must complete at least 5 hours (50% of their required CE) in certified classroom or classroom equivalent courses; up to 5 hours may be completed with self-study courses.

 

Special Training/Education Requirements

Annuity Training
  • Initial 4-Hour Annuity Training Requirement: Before selling, soliciting, or negotiating annuity products In Texas, producers must complete a one-time annuity training course approved for at least 4 hours. Licensees who are exempt from Continuing Education are not exempt from the initial training requirement. *Nonresidents who satisfy the annuity training requirements of another state with substantially similar annuity requirements, will be deemed compliant. Please contact the Texas Department of Insurance for more information.
Medicare Training
  • Initial 8-hour training requirement: All producers who sell Medicare-related products must receive 8 hours of professional training prior to selling such products. Licensees who are exempt from Continuing Education are not exempt from the initial training requirement.
  • Ongoing 4-hour training requirement: In each license term following the term in which the initial 8-hour certification course was completed, producers who continue to sell Medicare-related products must complete 4 hours of department-certified Medicare-related training as part of their general CE requirements. Licensees who are exempt from Continuing Education are not exempt from the ongoing training requirement.
Long-Term Care Partnership (LTCP)
  • Initial 8-hour training requirement: Licensed LAH producers who plan to sell long-term care insurance in conjunction with Texas’s partnership program are required to first complete Department of Insurance-qualified and Texas-specific 8-hour LTC partnership certification training. The training must be completed no later than the date on which a represented carrier introduces a partnership policy. The 8 hours of LTC partnership training may be counted toward the producer’s CE requirement. Licensees who are exempt from Continuing Education are not exempt from the initial training requirement. 
  • Ongoing 4-hour training requirement: In each license term following the term in which the initial 8-hour course was completed, producers who continue to sell LTC partnership insurance must complete 4 hours of department-certified LTC training as part of their general CE requirements. Licensees who are exempt from Continuing Education are not exempt from the ongoing training requirement.
Small Employer Health Benefit Plan
  • Initial 8-hour training requirement: Licensed general life, accident, and health producers can aquire the specialty certification by complete the initial 8-hour course in Small Employer Health Benefit Plans and pass the exam.
  • Ongoing 5-hour training requirement: To retain the certification, producers must complete at least 5 hours of certified Small Employer Health Benefit Plans continuing education during each reporting period.
  • Exemptions: Individuals that are exempt from these requirements include those who hold one of the following designations
    • Registered Health Underwriter (RHU)
    • Certified Employere Benefit Apecialist (CEBS)
    • Registered Employee Benefits Consultant (REBC)
Flood Insurance

To comply with the minimum training requirements established by the Federal Emergency Management Agency (FEMA), producers who sell standard flood insurance policies issued through the National Flood Insurance Program must complete a one-time 3-hour department-certified flood training course. 

Non-Resident CE Requirements

Nonresident producers who are in compliance with their resident state’s CE requirements are exempt from the Texas CE requirement with the exception of the state-specific product training requirements (see below).

A nonresident producer who becomes a Texas resident between renewals of his or her Texas license is immediately subject to Texas CE requirements and must complete a prorated schedule of CE study. Producers are encouraged to contact the Texas Department of Insurance to determine their CE requirements. See “State Contact Information” below.

Special Training/Education Requirements

Annuity Training
  • Initial 4-Hour Annuity Training Requirement: Before selling, soliciting, or negotiating annuity products In Texas, producers must complete a one-time annuity training course approved for at least 4 hours. Licensees who are exempt from Continuing Education are not exempt from the initial training requirement. *Nonresidents who satisfy the annuity training requirements of another state with substantially similar annuity requirements will be deemed compliant. Please contact the Texas Department of Insurance for more information.   

Long-Term Care Partnership (LTCP)
  • Initial 8-hour training requirement: Nonresident producers may receive reciprocal credit for completing a NAIC 8-hour course in their home state, but only if the state is a partnership state. Otherwise, the nonresident producer must complete an 8-hour Texas-qualified course.

  • Ongoing 4-hour training requirement: Nonresident producers are advised to follow the ongoing LTC training requirements of their resident states and their insurers.

Medicare Training
  • Initial 8-hour training requirement: Nonresidents are not required to comply with the Medicare Training requirement.

Small Employer Health Benefit Plan
  • Initial 8-hour training requirement: Licensed general life, accident, and health producers can aquire the specialty certification by complete the initial 8-hour course in Small Employer Health Benefit Plans and pass the exam.
  • Ongoing 5-hour training requirement: To retain the certification, producers must complete at least 5 hours of certified Small Employer Health Benefit Plans continuing education during each reporting period.
  • Exemptions: Individuals that are exempt from these requirements include those who hold one of the following designations
    • Registered Health Underwriter (RHU)
    • Certified Employere Benefit Apecialist (CEBS)
    • Registered Employee Benefits Consultant (REBC)

 

License Term

Effective September 1, 2015

A license will expire on the second anniversary of the license issuance date based on the licensees date of birth:

  • for a license issued or renewed in an even-numbered year, the individual license holder's birthday each even-numbered year
  • for a license issued or renewed in an odd-numbered year, the individual license holder's birthday each odd-numbered year

Note: If a person holds more than one license, all licenses issued will expire on the earliest expiration date and renew every two years thereafter in accordance with the above renewal terms.

Previous Requirement (Before September 1, 2015)

The license renewal date is 2 years from the license issuance date, and every 2 years following. All required continuing education hours must be completed before the expiration date of the license.

Course Repetition Rules

Credit will not be given for any course taken more than once in any 2-year license term.

CE Carryover Allowance

Excess hours earned in one license term may not be carried forward to a subsequent license term.   

CE Exemptions
  • Nonresident producers who are in compliance with their resident state’s CE requirements are exempt from the Texas CE requirement with the exception of the state-specific product training requirements (Long-Term Care products).
  • Nonresident adjusters who are not licensed in their home state or whose home state does not have a CE requirement may submit a letter of certification from another state in which they are licensed and in which they have completed continuing education study.
  • Licensees who on or after January 1, 2003, have been continuously licensed for at least 20 years may apply for an exemption from the CE requirement. To apply for this exemption, licensees must submit a written request to the Department of Insurance.
  • Producers may apply to the Texas Department of Insurance for an extension to receive more time to complete their CE requirement due to illness, medical disability, or circumstances beyond their control. Business reasons do not constitute circumstances beyond the producer’s control. Unless an extension has been granted, those who have not met their CE requirements by their license renewal date will be in violation of the state’s rules.
Final Exam Requirements
Exam proctor requirements

Self-study final exams do not require a monitor.

Exam rules

Self-study final exams are open book. Licensees may refer to the course material as often as needed. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.

Roster Fees

A roster fee of $0.67 per credit hour ordered is required to process course completion hours in Texas and will be added to the order total upon checkout.

Last Updated
Tuesday, September 8th, 2015
Disclaimer

Net Study provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither Net Study nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.

State Contact Information
Texas Department of Insurance
Phone: 512-322-3503
Fax: 512-475-1819
Email: License@tdi.texas.gov
 
Mailing Address:
Texas Department of Insurance
Agents Licensing Unit, 107-1A
P.O. Box 149104
Austin, TX 78714-9104
 
Sircon Contact Information
Phone: 877-876-4430
Fax: 404-656-0874
Web site: www.sircon.com

What do the Version A and Version B mean? LTC renewal training must be completed every 2 years. Most states will not allow the same CE course to be repeated during a single compliance period or the subsequent compliance period. We strongly advise that you alternate between the online versions in order to ensure you can earn CE credit towards your license renewal. If your last course was completed in the classroom or you have never taken a course with us before, choose Version A. If you are still unsure about which course to take, check your history under "My Courses" or contact customer support.