Texas Insurance License Courses and Exam Prep

There are five steps, and the order matters.

1. Prepare for the exam. Most students finish Aceable's course in about 20 hours of study. Choose Life & HealthTexas Life And Health Pre License, Property & CasualtyTexas Property And Casualty Pre License, or both lines in one bundleTexas All In One Pre License.
2. Pass the state exam. Schedule through Pearson VUE and take it in person at a test center. Each attempt is $49.
3. Get fingerprinted. Start your application in TDI's online portal to get your IdentoGO service code, then book the appointment. Our fingerprinting guidePre License Texas Insurance Fingerprinting Background Check Guide Resources walks through it.
4. Apply for your license. Submit through Sircon or NIPR within 12 months of passing. The state fee is $50 per license.
5. Get appointed and start selling. A carrier or agency appointment is what lets you write policies once TDI issues your license.

For a realistic look at how long each step takesPre License How Long Does It Take To Get Licensed In Texas Resources, start there.

Candidates who pass on the first try tend to do the same four things.

• Study to the published exam outline, including the Texas-specific section, instead of a generic national textbook.
• Study a little every day for two to three weeks rather than cramming the weekend before.
• Take a full-length practice exam before booking the real one.
• Schedule the exam only once practice scores sit consistently above passing.

Aceable's courses are built around that plan, with lessons and practice questions mapped to what is actually on the examPre License What Is On The Texas Insurance Exam Resources and Ace Mode pointing you to your weak spots. If you want a schedule to follow, here is a three-week study planPre License 3 Week Texas Insurance Exam Study Plan Resources and a look at what first-time passers have in commonPre License Texas Agents Who Pass On The First Try All Have This In Common Resources.

Most people go from their first study session to an active license in two to six weeks. Here is where the time goes.

• Study and prep: About 20 hours of coursework. Full-time candidates finish in one to two weeks. Working adults usually take three to five weeks.
• Pass the exam: Big Texas metros usually have Pearson VUE seats within a week. You need a scaled score of 70. Here is what is on the examPre License What Is On The Texas Insurance Exam Resources.
• Fingerprinting: Book your IdentoGO appointment the day you pass. Results reach TDI in about three to seven business days.
• Application review: Clean applications submitted through Sircon or NIPR usually clear in about a week.

The biggest variable is how fast you finish your prep. The state side moves quickly once you pass. Some people get licensed fastPre License How To Get Licensed Fast In Texas Resources by treating it like a two-week sprint, and the step-by-step timelinePre License How Long Does It Take To Get Licensed In Texas Resources shows what that looks like.

Texas offers two main license paths, plus an option to bundle both.

Life & Health (L&H): Covers life insurance, health plans, annuities, disability income, and supplemental products like long-term care. L&H agents tend to build long-term client relationships in consultative roles. If that sounds like you, here is how to start a life and health career in TexasPre License How To Start A Life Health Insurance Career In Texas Resources, and here is the Texas Life & Health courseTexas Life And Health Pre License. Only want to sell life insurance and annuities? A Life Only license is also an option.

Property & Casualty (P&C): Covers auto, homeowners, renters, commercial property, and liability insurance. Auto coverage is required by law in Texas, which means steady demand and faster early income. Many new agents start with P&CPre License Why Some Agents Choose Property Casualty First In Texas Resources for exactly that reason. Here is the Texas Property & Casualty courseTexas Property And Casualty Pre License.

All-in-One: Aceable bundles L&H and P&C prep into one course so you can sell the full range of products from day one. It is the widest door into the industry. Here is the Texas All-in-One bundleTexas All In One Pre License.

It is a real exam, and a lot of people underestimate it. In Pearson VUE's most recent reporting, about 56% of first-time Life & Health candidates and 60% of first-time Property & Casualty candidates passed. Repeat takers pass at under 40%.

Each general lines exam has 145 questions on screen, of which 130 are scored: 100 on general insurance concepts and 30 on Texas law. You get 150 minutes, and passing is a scaled score of 70. The Texas law section is where unprepared candidates lose points.

Knowing what is on the examPre License What Is On The Texas Insurance Exam Resources before you start studying makes a real difference. For the numbers behind the difficulty, read what the state pass-rate data showsPre License Texas Insurance Exam Pass Rates Resources and how hard the exam really isPre License How Hard Is The Texas Insurance Exam Resources.

Yes. Texas requires a fingerprint-based background check through IdentoGO for every new applicant. You start your application in TDI's online portal to get your service code, book the appointment, and send TDI the receipt.

A record does not automatically disqualify you. TDI reviews each case individually, and convictions involving fraud, dishonesty, or breach of trust get the closest look. What does sink applications is leaving something out. Disclose everything, even old or minor items, because TDI sees the full record either way.

Our fingerprinting and background check guidePre License Texas Insurance Fingerprinting Background Check Guide Resources covers the process step by step, and this postPre License Do You Need A Background Check For A Texas Insurance License Resources explains what TDI actually looks for.

Almost all of it. The course is online and mobile, the application goes through Sircon or NIPR online, and you book your fingerprint appointment online. Two steps happen in person.

• The exam. Texas insurance exams are taken at a Pearson VUE test center. Texas no longer offers online proctored exams, so plan on a visit to a testing site. There are centers in every major Texas metro.
• Fingerprinting. IdentoGO takes your prints at one of its locations, usually in about 15 minutes.

Everything else fits around your schedule. Here is what the online licensing processPre License Can You Get Your Texas Insurance License Online Resources looks like end to end, and how people get licensed while working full-timePre License Can You Get Your Texas Insurance License While Working Full Time Resources.

Submit your application through Sircon or NIPR within 12 months of your exam date. The state fee is $50 per license. Your IdentoGO fingerprints need to be on file before TDI can process it, so schedule that appointment right after you pass.

TDI reviews applications in the order received, and incomplete submissions are the most common cause of delays. Have the documents you needPre License What Documents Do You Need To Apply For Your Texas Insurance License Resources ready before you start. From there, your first yearPre License What Does A Successful First Year Look Like For Texas Insurance Agents Resources as a licensed agent can begin quickly.

A Texas insurance license opens up more career paths than most people expect. The roles available to you depend on which license type you hold.

With a Life & Health (L&H) licenseTexas Life And Health Pre License:

• Life insurance agent: Help individuals and families with term life, whole life, and universal life policies.
• Health insurance agent: Sell individual and group health plans, Medicare supplements, and ACA marketplace coverage.
• Employee benefits specialist: Work with companies to set up group health, life, dental, and disability plans for their teams.
• Annuities and retirement advisor: Guide clients through long-term financial products like fixed and variable annuities.

Learn more about how to start a L&H careerPre License How To Start A Life Health Insurance Career In Texas Resources in Texas or explore what it takes to sell life insurancePre License How To Sell Life Insurance In Texas Resources here.

With a Property & Casualty (P&C) licenseTexas Property And Casualty Pre License:

• Personal lines agent: Sell auto, homeowners, and renters insurance, the products most Texans are required to carry.
• Commercial insurance agent: Help businesses with liability, workers' comp, and property coverage, a high-value niche in Texas's massive commercial market.
• Claims adjuster: Investigate and settle insurance claims on the operational side of the industry.
• Underwriter: Evaluate risk and determine coverage terms behind the scenes.

Many new agents start with P&CPre License Why Some Agents Choose Property Casualty First In Texas Resources because demand is built into the market; auto coverage alone is legally required in Texas.

With both licenses (All-in-OneTexas All In One Pre License):

• Captive agent: Work with a single carrier like State Farm or Allstate and sell their full product lineup across both lines.
• Independent agent or broker: Build your own book of business, represent multiple carriers, and serve clients across every coverage type. Independent brokers often earn significantly morePre License How Are Texas Insurance Agents Making Money Faster Than Expected Resources over time.
• Agency owner: Open your own shop and hire agents under you. Dual licensing gives you the widest client base from day one.

Many agents start in one role and shift as they figure out what fits. For a deeper dive, check out the full list of jobs you can getPre License What Jobs Can You Get With A Texas Insurance License Resources with a Texas insurance license.

Budget for four things: the exam, fingerprints, the state application, and your prep course.

• Exam fee: $49 per attempt for the Life & Health or Property & Casualty exam, paid to Pearson VUE. The Life Only exam is $39.
• Fingerprint background check: About $41 through IdentoGO.
• State application fee: $50 per license, plus a small processing fee from Sircon or NIPR.
• Prep course: Texas doesn't require one, but it is the cheapest part of passing on the first try. Course options and prices are listed above.

Candidates who pass the first time typically spend $300 to $500 in state and third-party fees. A failed attempt adds another $49 and a few weeks. Here is the full cost breakdownPre License How Much Does It Cost To Get An Insurance License In Texas Resources, and here is why retakes cost more than they lookPre License How Many Times Can You Retake The Texas Insurance Exam Resources.