Smart & Simple Texas Insurance Continuing Education

The 24-hour bundleTexas Continuing EducationTexas Continuing Education is the best value if you need all your hours this cycle, full TDI compliance (ethics + classroom-equivalent + self-study mix). Buy individual courses if you've already completed some hours through another provider and just need to fill gaps. If you only need ethics, the standalone 3-hour ethics courseTexas Continuing EducationTexas Continuing Education works.

Your Texas insurance license expires on the last day of your birth month every two years. If your birthday is October 15 and you renewed in 2025, your next renewal is October 31, 2027. You can verify your exact date on the Sircon transcript portal or by checking TDI directly.

For the full breakdown of how renewal dates work, see when your license expiresContinuing Education When Does My Texas Insurance License Expire Resources.

Yes, Texas allows all 24 hours to be completed online, but format matters:

• At least 12 hours must be classroom-equivalent (interactive online with quizzes and timed progression)

• Up to 12 hours can be self-study

• The same course can't be taken in both formats during the same license term

Aceable's 24-hour Texas CE bundleTexas Continuing Education is built to satisfy the 50/50 split automatically. For more on what counts as classroom-equivalent, see our online CE guideContinuing Education Can I Do My Texas Insurance Ce Online Resources.

Any of our three 24-hour Texas bundles satisfies your full TDI CE requirement.

We report your completed hours to TDI through Sircon every business day. You'll also get a certificate of completion immediately after each course for your records. Providers have up to 30 days to report under TDI rules, but we report daily, so your transcript updates fast.

To check what's already been reported, learn how to navigate Sircon for Texas CEContinuing Education How Does Sircon Work For Texas Insurance Ce Resources.

TDI requires a state reporting feeEducation Providers Report Course Completions To Tdi.html Agent of $1.30 per credit hour (effective 10/1/2024). It's collected at checkout in addition to your course tuition. A full 24-hour bundle is $31.20 in state fees. The fee is standard across all TDI-approved providers and goes directly to the state. 

Fees are subject to change, so completing your courses promptly protects you from mid-cycle increases.

Classroom-equivalent courses are interactive: they include quizzes after each unit, timed progression, and monitored seat time. They take longer to complete but satisfy the 12-hour classroom requirement.

Self-study courses are self-paced reading content with no interactive elements. They go faster but only count toward the remaining 12 hours.

A smart approach: knock out your classroom-equivalent hoursTexas Continuing Education first (including ethics), then fill in self-study at your own pace. Full breakdown in our format guideContinuing Education Can I Do My Texas Insurance Ce Online Resources.

Texas has a structured penalty system:

• $50 fine per deficient hour, up to $500 maximum per license

• 90-day grace period after expiration to complete hours and pay fines

• License inactivation if you don't meet both conditions in the 90-day window

An inactive license means you can't legally sell, solicit, or negotiate insurance in Texas. Carriers may also drop your appointments, see what happens to appointmentsContinuing Education What Happens To Your Carrier Appointments If You Miss Texas Insurance Ce Resources for the downstream impact.

Full penalty breakdown in what happens if you miss your deadlineContinuing Education What Happens If You Dont Complete Your Texas Insurance Ce On Time Resources.

TDI recommends completing CE at least 30 days before your renewal date. While we report hours daily, the 30-day buffer protects you from processing delays, transcript errors, or any specialty training gaps that surface late.

Most agents finish in 2 to 4 weeks of part-time effort, but you can knock out the full 24 hours in about 3 working days if you block out time. For pacing strategies, see the renewal guideContinuing Education How Do I Renew My Texas Insurance License Resources.

P&C agents follow the same 24-hour rule, but the smart topic mix should match your book of business. One important exception: if you write flood policies under the National Flood Insurance Program (NFIP), federal regulation requires a one-time 3-hour NFIP training before placing your first flood policy.

For the full P&C-specific breakdown, see our Texas P&C renewal guideContinuing Education A Texas P C Agents Guide To Renewing Your License Resources.