When Does My Texas Insurance License Expire?

One of the most common questions Texas insurance agents have is a simple one: when is my license actually due for renewal? Unlike states with a single fixed renewal date, Texas uses a personalized birth-month cycle, which means every agent has a different deadline. Here is how to find yours, understand the timeline, and avoid getting caught off guard.

How Does the Texas Insurance Renewal Cycle Work?

The Texas Department of InsuranceAgcehome.html Agent renews insurance licenses on a biennial (every two years) schedule. Your license expires on the last day of your birth month. If you were born in July, your license expires July 31. If you were born in October, it expires October 31. This cycle repeats every two years from your original license issue date.

This personalized system means you cannot simply follow a universal industry deadline. Your expiration date is unique to you, which makes tracking it your responsibility. TDI does send postcard reminders before your renewal date, but these go to your last known mailing address. If your address is outdated, you may never see the notice.

How Do I Check My Texas Insurance License Expiration Date?

The fastest way to verify your deadline is through Sircon's Continuing Education Transcript InquiryInquiry LoginCETranscript.do ComplianceExpress. Select Texas from the dropdown menu and enter your license number. The system displays your license expiration date along with your CE completion status. You can also use the TDI "Check a License" service to look up your license details if you need your license number first.

Make it a habit to check your transcript at least twice during each two-year cycle: once around the halfway mark to plan your CE strategyPre License What Insurance Terms Do I Need To Know In Texas Resources, and once about 60 days before your expiration to confirm everything is on track.

What Is the 90-Day Grace Period?

If you do not complete your 24 hours of CE before your license expires, TDI provides a 90-day window to finish your remaining hours. However, this is not a free extension. You will be fined $50 for every deficient hour, up to $500 per license. During the grace period, your license remains in a non-compliant status, and TDI may restrict your ability to conduct insurance business until your hours are complete and fines are paid.

If you still have not met your CE requirements after the 90-day grace period, your license is inactivated. At that point, you must reapply for a new licensePre License Texas Insurance License Faq Resources, which requires completing all deficient hours and paying all outstanding fines before TDI will issue a new license.

Why Should I Complete CE 30 Days Before My Deadline?

TDI recommends finishing all CE at least 30 days before your license expires for two practical reasons. First, course providers have up to 30 days to report your completions to Sircon. If you finish a course on the day your license expires, TDI may not have a record of it when your renewal is due. Second, the TDI online renewal portal, which allows you to renew without a processing fee, is only available to agents who submit more than 30 days before their expiration date. Miss that window, and you will need to use Sircon or NIPR, both of which charge processing fees.

How to Build a "Find Your Deadline" Framework

Set yourself up with a simple system to never miss a renewal:

1. Log in to Sircon and note your exact expiration date
2. Set a calendar reminder 12 months before your deadline to begin planning your CE
3. Set a second reminder 90 days out to begin completing courses if you have not started
4. Set a hard deadline reminder 45 days before expiration as your "must finish by" date
5. Verify your transcript 30 days before expiration to confirm all hours are reported

Spreading your 24 hours across the two-year cycle, roughly one hour per month, eliminates the cramming problem that causes so many agents to miss their deadlines. Whether you focus on expanding your knowledgePre License What Type Of Insurance License Should I Get In Texas Resources in new product lines or reinforcing your core skills, consistent progress is the key.

How Does Texas Compare to Other States?

Many states use the birth-month biennial renewal system, including California and Missouri. However, Texas stands out with its 90-day grace period, which is more forgiving than states like California where your license simply expires with no grace period and a 50% late penalty fee kicks in immediately. On the other hand, the Texas $50-per-hour fine can add up quickly if you fall significantly behind. Agents who hold licenses in multiple statesPre License Where Do Insurance Agents Make The Most Money Resources should build a master renewal calendar to track all deadlines in one place.

What Can Slow Down the Licensing Process in Texas?

• Procrastination: Waiting until the final month of your cycle leaves no margin for reporting delays or course availability issues.
• Unreported credits: Providers sometimes lag on reporting. If your credits do not appear on Sircon, follow up immediately.
• Address changes: TDI's postcard reminders are mailed to your last known address. Update your information through Sircon to avoid missed notices.
• Specialty training gaps: Annuity, LTC, Medicare, and flood training must be current, and these are often overlooked until it is too late.

Never Miss a Texas CE Deadline Again

Your renewal date is predictable, which means being late is entirely preventable. Know your deadline, plan your hours, and finish early. Aceable Insurance is building a streamlined Texas CE experience designed for agents who want to stay compliant without the last-minute stress. From career strategiesPre License Tips Becoming A Successful Insurance Agent Resources to mobile-friendly coursework, Aceable makes CE fit into your life instead of disrupting it.

Join the waitlist for Aceable's Texas CE coursesTexas Continuing Education and take control of your renewal timeline.