5 Easy Steps for Texas Real Estate Agents to Add Insurance Licensing

Adding insurance to your real estate practice is easier than you think – and more rewarding than you can imagine.

Let's map out your path to dual licensing success.

Step 1: Choose Your Perfect Timing and Path

Pick your ideal start time:

The beauty of adding insurance? You control the timeline. Most successful agents choose:

• November-December (holiday slowdown)
• January-February (fresh start energy)
• August-September (pre-fall planning)

Just 20-30 hours of focused study sets you up for success. Study early mornings, evenings, or weekends – whatever works for your schedule.

According to the Texas Department of Insurance, Texas has no mandatory pre-licensing education hours, giving you complete flexibility in your preparation timeline.

Choose your winning strategy:

Partner with an Agency First

• Get immediate access to top carriers
• Receive training and mentorship
• Enjoy full support while learning
• Start earning quickly

Popular agency partners love real estate agents:

• Goosehead Insurance
• Brightway Insurance
• State Farm agencies
• Local independents

Most successful agents partner with an agency for 12-18 months, learn the business, then decide if they want to go independent. It's the smart, low-risk approach.

Discover why insurance offers amazing flexibility for your lifestyle.

Step 2: Prepare to Pass With Confidence

Texas gives you a huge advantage, with no mandatory pre-licensing education required. But smart agents know that proper preparation leads to first-time success.

What you'll master:

• Insurance fundamentals that make sense
• Texas-specific regulations you need to know
• Real-world applications you'll use daily
• Test-taking strategies that work

The exam facts:

• 145 total questions with 70% passing score required
• Property & Casualty exam pass rates average around 64% in Texas
• Proper preparation significantly improves your chances

Why successful agents choose Aceable:

• Mobile-friendly study anywhere, anytime
• Texas-focused content (not generic national material)
• Thousands of students have passed their exams
• Bite-sized lessons perfect for busy schedules

While pre-licensing education isn't required, proper preparation significantly improves pass rates.

Compare different license types to choose your best path forward.

Step 3: Pass Your Exam and Celebrate

Test day success tips:

• Schedule your exam when you feel energized
• Arrive early and relaxed
• Trust your preparation
• Use smart test strategies
• Celebrate when you pass!

Quick post-exam checklist:

• Schedule fingerprinting (simple process)
• Submit your application online
• Connect with your sponsoring agency
• Get ready to start earning

Most prepared candidates finish with time to spare and pass comfortably. You've got this!

See how others are building successful insurance careers for inspiration.

After You Pass

You’re now eligible to discuss policies with clients, but before you can sell, you’ll need a carrier appointment and Errors & Omissions (E&O) coverage. Most agents get both by affiliating with an agency or a Managing General Agent (MGA).

Step 4: Launch Your Insurance Business Successfully

Starting with an agency partnership brings huge benefits:

Top carriers wanting your business:

• Progressive (still writing auto, commercial)
• Safeco
• Travelers
• Liberty Mutual
• Many more

Support that ensures your success:

• Comprehensive training programs
• Marketing resources and leads
• E&O coverage included
• Compliance guidance
• Mentor support

Your growth trajectory:

• Months 1-3: Learn systems, write first policies
• Months 4-6: Build momentum, gain confidence
• Months 7-12: Establish your book of business
• Year 2+: Decide if you want to go independent

Calculate your earning potential with our interactive tool.

Step 5: Integrate Smoothly and Ethically

Creating a dual-licensed practice is simple when you follow Texas guidelines.

Professional integration made easy:

Simply let clients know: "I'm licensed in both real estate and insurance, which allows me to serve you more comprehensively. You're always free to work with any provider you choose."

Natural conversation starters:

• "Congratulations on your new home! Let's make sure it's properly protected."
• "I noticed rates have increased across Texas. Happy to review your coverage if you'd like."
• "As your real estate agent, I want to ensure you have all the resources you need."

Compliance Checklist

• Complete Pre-Licensing Course

• Pass the Licensing Exam

• Get Fingerprinted

• Obtain Carrier Appointment

• Secure E&O Insurance

• Affiliate with an Agency or MGA

What you CAN do:

• Offer both services professionally
• Let clients choose what they need
• Provide referrals to other providers
• Build trust through transparency
• Serve clients comprehensively

Why this works so well: According to TREC, these guidelines protect consumers while allowing you to use your expertise fully. Clients love working with professionals who do things right.

Your clients will be grateful to have a resource for both needs. Most choose to work with someone they already trust, you!

Your 90-Day Success Blueprint

Days 1-30: Strong Foundation

• Complete agency orientation with enthusiasm
• Master 2-3 primary insurance products
• Practice with friends and family
• Celebrate your first policy!

Days 31-60: Build Momentum

• Announce your new service professionally
• Reach out to past clients with value
• Develop your unique approach
• Track your early wins

Days 61-90: Accelerate Growth

• Aim for 3-5 quotes weekly
• Refine your systems
• Build referral partnerships
• Plan your long-term strategy

Success metrics to celebrate:

• First policy written
• First renewal earned
• First referral received
• Growing monthly income
• Happy clients served

Your Future Starts Today

Picture yourself a year from now:

• Steady monthly income from renewals
• Deeper relationships with all clients
• More referrals than ever before
• Greater financial security
• The satisfaction of comprehensive service

Research shows 90% of real estate clients would use their agent again, and dual licensing helps you capture that loyalty.

This isn't just about adding a license – it's about building the practice you've always wanted. One that serves clients fully, rewards you fairly, and grows stronger every year.

Thousands of Texas real estate professionals have already discovered the power of dual licensing. They're building wealth, serving clients better, and loving their enhanced careers.

Your clients need you. Your future is calling. Your success is waiting.