How To Get A Texas Life and Health License

How To Get A Texas Life and Health Insurance License

Getting your Texas life and health insurance license is the first step toward becoming a licensed insurance agent in the state of Texas. The Texas Department of Insurance (TDI) regulates the licensing process to ensure agents are properly trained and qualified to sell insurance products to the public. Below is a step-by-step overview of the process so you know exactly what to expect.

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1. Complete a Prep Course

Before taking the Texas life and health insurance exam, we strongly recommended that you complete a comprehensive pre-licensing study course. While Texas does not mandate pre-licensing education hours, most candidates need the training and education from a course to understand insurance concepts, policy provisions, state laws, and exam-tested material. A study course helps reinforce and learn terminology, provides practice questions, and improves your chances of passing on the first attempt.

Please note: Texas does not offer a health-only license or exam. If you plan to sell health insurance policies, you must complete a Texas Life & Health study course and take the combined appropriate exam.

2. Pass Your License Exam

Texas insurance licensing exams are administered by Pearson VUE. You must schedule and pay for your exam in advance using a credit card, debit card, voucher, or electronic check.

Exam reservations can typically be made at least 24 hours before your preferred test date, or five days in advance if paying by electronic check.

The exam is computer-based and consists of multiple-choice questions covering life insurance, health insurance, and Texas-specific insurance laws. Adequate preparation and practice testing are essential for success.

3. Register for Electronic Fingerprinting

Texas requires all insurance license applicants to submit electronic fingerprints for a criminal background check. Fingerprinting must be completed through IdentoGO, the state-approved vendor. You can schedule your appointment online or by phone.

Fingerprint results remain valid for one year prior to submitting your license application, so timing your appointment correctly is important.

4. Apply for Your License

After passing your licensing exam, you can apply for your Texas life and health insurance license through Sircon.

Applications can be submitted as soon as 24 hours after passing the exam. You must complete the application process within one year of passing the exam, or you will be required to retake the exam.

During the application, you will disclose background information and pay the required licensing fees.

Frequently Asked Questions

How long does it take to get licensed?
It typically takes 2 to 4 weeks, depending on how quickly you complete the education, pass the exam, submit your application, and clear your background check.
How should I prepare for the license exam?
Enroll in a study course, study regularly, take practice exams, and focus on understanding concepts in addition to memorizing facts. Flashcards and exam simulators certainly help.
What is on the license exam?
The exam includes topics like insurance regulations, types of life and health policies, policy provisions, underwriting, annuities, Medicare/Medicaid, and ethics.
Can I use my Texas license in other states?
You can apply for a non-resident license in reciprocal states through the NIPR system, as long as your Texas license is active and in good standing.
Do I need to be hired by an agency first?
No, you don’t need to be hired or sponsored by an insurance company or agency to go through the process of obtaining your license in Texas. In fact, going through the process of being licensed before seeking an agency to work with actually makes you more marketable for opportunities.