How Do I Renew My Texas Insurance License?

Renewing your Texas insurance license is a straightforward process when you plan ahead. The Texas Department of Insurance (TDI)Agcehome.html Agent requires producers and adjusters to renew every two years, and the key to a smooth renewal is completing your continuing education (CE) well before your expiration date. Here is how to walk through the entire process from start to finish.

Step 1: Find Your License Expiration Date

Your Texas insurance license expires on the last day of your birth month every two years. If you are unsure of your exact renewal date, log in to the Sircon Continuing Education Transcript InquiryInquiry LoginCETranscript.do ComplianceExpress tool, select Texas, and enter your license number. Your expiration date will appear alongside your CE transcript. TDI also mails a postcard reminder before your deadline, but do not rely solely on that notice.

Step 2: Check Your CE Transcript for Remaining Hours

Before you start any new courses, review your transcript on Sircon to see which hours have already been reported. Your transcript breaks down your completions by category (General and Ethics) and confirms whether your classroom equivalent hoursPre License What Insurance Terms Do I Need To Know In Texas Resources meet the 50/50 requirement. If any previously completed courses are not showing on your transcript, contact the course provider directly. Providers have up to 30 days to report completions to TDI through Sircon.

Step 3: Complete Your Remaining CE Hours

Once you know how many hours you still need, select TDI-approved courses that fill the gaps. Remember these requirements for a standard producer license:

1. 24 total hours of approved CE
2. At least 3 hours in ethics and consumer protection
3. At least 12 hours in classroom or classroom equivalent format
4. Any applicable specialty training (annuity, LTC, Medicare, or flood) if you sell those products

You can search for approved courses through the Sircon Course Offerings Inquiry tool. All TDI-approved courses can be taken regardless of your license typePre License What Type Of Insurance License Should I Get In Texas Resources, since Texas no longer divides CE courses by line of authority.

Step 4: Confirm Specialty Training Is Complete

If you sell annuities, long-term care products, Medicare-related products, or flood insurance, verify that your specialty certifications are current. These requirements exist on top of the general 24-hour obligation, though most specialty hours count toward your total. Failing to complete specialty training can block your renewal even if your general CE hours are satisfied. Check the TDI specialty training pagesAnnuity Products.html Agent for current approved course lists.

Step 5: Submit Your Renewal Application

Texas offers three ways to submit your license renewal:

TDI Online Portal: The TDI Insurance License Renewal portalIndex.html AgentIndex.html Agent allows you to process your renewal online with no processing fee, but only if you submit more than 30 days before your expiration date. This is the most cost-effective option for agents who plan ahead.

Sircon: You can also renew through your Sircon account. Sircon charges a processing fee of approximately $8.25 per transaction. This method is convenient if you already manage your CE transcript through Sircon.

NIPR: The National Insurance Producer Registry processes renewals for a fee of approximately $5 per transaction, in addition to any state fees. NIPR is particularly useful for multi-state agentsPre License Where Do Insurance Agents Make The Most Money Resources managing renewals across multiple jurisdictions.

Step 6: Download Your Updated License

After your renewal is processed, you can download your updated license through the TDI License Download ServiceIndex.html AgentIndex.html Agent. Keep a copy for your records and confirm that all your lines of authority are listed correctly.

What Can Slow Down the Renewal Process in Texas?

• Unreported CE hours: If your course provider has not yet reported your completions to Sircon, TDI cannot verify your compliance.
• Incomplete specialty training: Missing annuity, LTC, Medicare, or flood certifications will hold up your renewal.
• Submitting after the 30-day window: Renewals submitted within 30 days of your deadline cannot use the free TDI portal and may face processing delays.
• Outdated personal information: If your name or address on file with TDI is incorrect, your renewal may be flagged for manual review.

Texas Insurance License Renewal Checklist

Use this checklist to keep your renewal on track:

1. Verify your expiration date on Sircon (at least 60 days before your deadline)
2. Review your CE transcript and identify remaining hours
3. Confirm your classroom equivalent hours meet the 12-hour minimum
4. Complete all specialty training (annuity, LTC, Medicare, flood) if applicable
5. Finish all CE courses at least 30 days before your expiration
6. Allow providers up to 30 days to report completions
7. Submit your renewal through TDI (free), Sircon, or NIPR
8. Download your updated license and keep certificates on file for four years

How Does Texas Compare to Other States for Renewal?

Texas offers a relatively streamlined renewal process. Unlike states such as California, where late renewal triggers a 50% penalty fee, Texas uses a flat $50-per-hour fine structure that is more predictable. The 90-day grace period is also more generous than states with no grace period at all. However, the 50/50 classroom equivalent rule adds a layer of planning that many other states do not require. If you are also licensed in other states, understanding these differences helps you sequence your professional developmentPre License Is Becoming A Licensed Property And Casualty Insurance Agent Worth It Resources across jurisdictions.

Make Your Next Renewal the Easiest One Yet

A little planning turns Texas license renewal from a last-minute scramble into a non-event. Complete your CE early, verify your transcript, and submit through the TDI portal to save on fees. Aceable Insurance is developing a modern, mobile-first CE experience built for busy Texas agents who want to stay compliant without the hassle. From career growth strategiesPre License Tips Becoming A Successful Insurance Agent Resources to compliance tools, Aceable has your back.