Do You Need a Background Check for a Texas Insurance License?

Background Check Requirements

Texas requires fingerprint background checks for all new insurance license applicants through IdentoGO, which submits prints to both the Texas Department of Public Safety and FBI databases. This dual-system approach ensures thorough vetting of potential licensees.

The background check applies to:

• First-time Texas insurance license applicants
• Individuals adding new license types
• Former licensees whose previous licenses expired
• Business entity principals and designated responsible licensed producers

Exemptions: Texas residents with active licenses who previously submitted fingerprints and certain non-residents with qualifying home state reciprocity agreements may be exempt.

Learn more about Texas insurance license requirements to understand the complete licensing process.

The IdentoGO Process

Getting Your Service Code

Before scheduling fingerprinting, complete Texas's online initial application portal to receive your unique service code and specific instructions. This portal generates the necessary documentation for your appointment.

Scheduling Your Appointment

Schedule appointments through IdentoGO's website or by calling (888) 467-2080. Use the service code "11G6QF" specifically for Texas insurance licensing appointments to ensure proper processing.

What to Bring:

• Government-issued photo ID matching your application exactly
• Service code from Texas Department of Insurance portal
• Payment method for applicable fees

The appointment typically takes 15-30 minutes and includes identity verification, electronic fingerprint capture, and receipt generation. Keep your IdentoGO receipt safe – it's required for your license application submission.

Explore our guide on how to get an insurance license in Texas for step-by-step instructions through the entire process.

Timeline and Processing

Background checks typically process within 1-2 weeks of fingerprint submission, though complex cases may take longer. Processing factors include:

• Standard cases: 5-10 business days for straightforward histories
• Extended processing: Criminal history requiring additional review, name variations, or multiple previous addresses
• Status monitoring: Check progress on IdentoGO's website using your receipt information

The Texas Department of Insurance requires most applicants to submit their license application within 12 months of passing their exam.

Criminal History Considerations

Texas evaluates criminal history case-by-case, considering offense severity, time elapsed, rehabilitation evidence, and relevance to insurance responsibilities. Having a criminal history doesn't automatically disqualify you.

Potentially Disqualifying Factors:

• Felony convictions involving fraud, dishonesty, or breach of trust
• Recent criminal activity indicating ongoing character concerns
• Failure to disclose criminal history accurately
• Insurance law violations in any jurisdiction

Mitigation Opportunities:

• Honest, detailed disclosure with explanations
• Evidence of rehabilitation and character improvement
• Professional references supporting fitness for licensing
• Completion of court-ordered programs or restitution

Check out our insurance exam prep resources to ensure you're fully prepared for all licensing requirements.

Cost and Fees

Background check services are provided through IdentoGO for electronic fingerprint capture and submission to both Texas DPS and FBI databases. This covers all technology, processing, and transmission costs.

Additional Considerations:

• No separate state processing fees for background checks
• Potential travel costs to reach IdentoGO locations
• Re-fingerprinting fees if initial submission is rejected for quality issues
• Payment accepted via credit/debit cards at all locations

For current fee information, contact IdentoGO directly or check their website when scheduling your appointment.

Common Issues and Solutions

Documentation Problems

• Name discrepancies: Ensure all names match exactly across identification documents, exam registration, and applications
• Criminal history disclosure: Answer all background questions honestly and completely – undisclosed history discovered through checks can result in license denial

Technical Issues

• Fingerprint quality: Follow technician instructions carefully and inform them of any hand injuries affecting print quality
• Service code problems: Use only the code provided by Texas Department of Insurance portal
• Receipt management: Keep IdentoGO receipts secure and make copies immediately

Integration with License Application

Complete fingerprinting after passing your exam but before submitting your license application. The optimal sequence:

1. Pass required insurance examination
2. Complete Texas initial application and fingerprint portal
3. Schedule and complete IdentoGO fingerprinting
4. Submit complete license application with IdentoGO receipt
5. Await background check results and license approval

For comprehensive preparation, review our Texas insurance continuing education requirements to understand ongoing obligations.

Appeal Process

If your license application is denied based on background check results, Texas provides appeal procedures through administrative hearings. You can present additional evidence supporting your fitness for licensing, including:

• Professional references attesting to character and competency
• Evidence of community involvement and contributions
• Completion of counseling, education, or rehabilitation programs
• Employment history demonstrating responsibility

The Texas Department of Insurance allows 30 days from the date of denial to make a written request for a hearing.

Maintaining Good Standing

Once licensed, maintain compliance by promptly disclosing any subsequent criminal charges or convictions to the Texas Department of Insurance within specified timeframes. Background check requirements may also apply to license renewals in certain circumstances.

Strategic Preparation Tips

Before Starting:

• Gather all required documents before beginning the application process
• If you have criminal history, consult with legal counsel about potential impacts
• Identify professional references who can attest to your character

During the Process:

• Double-check all information for accuracy before submitting
• Complete each step promptly to avoid expiration of time-sensitive requirements
• Be prepared to respond quickly to requests for additional information

Getting Started

Texas's background check requirement protects consumers while creating opportunities for dedicated professionals committed to ethical business practices. Understanding the requirements, procedures, and timelines helps ensure smooth processing and timely license issuance.

Focus on honest disclosure, accurate documentation, and prompt completion of all requirements. The background check investment enhances your professional credibility and consumer trust that supports long-term business success.

Ready to begin your Texas insurance licensing journey? Start with proper background check preparation and join thousands of successful agents building thriving careers in Texas's dynamic insurance marketplace.

For additional guidance on building your insurance career, explore our insurance license study guide to maximize your success.

Disclaimer: This information is provided for educational purposes only and should not be considered legal advice. Insurance licensing requirements, fees, and procedures may change. Always verify current requirements with the Texas Department of Insurance and official state resources before beginning the licensing process. Consult with legal counsel if you have specific questions about how your background may affect your licensing eligibility.