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Texas Health Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

General lines – life, accident, health and HMO

License covering general life, accident, and health insurance activities, including representation of health maintenance organizations.

Licensing authority: Texas Department of Insurance · Application information

Individual licensure with Chartered Life Underwriter designation
No examination is required for this applicant pathway.
Application
Meet all remaining individual licensing requirements.
Designation
Hold and document the Chartered Life Underwriter (CLU) designation; §4002.003(a)(4) exempts an applicant for a life, accident, and health license.

Official no-examination sources

Effective from 2026-09-22.

Grandfathered fraternal benefit society agent
No examination is required for this applicant pathway.
Historical service
Authorized to solicit or procure for a fraternal benefit society on September 1, 1999, with at least 24 preceding months of such service.
Restrictions
Do not solicit for another insurer or society or from persons ineligible for membership; interest-sensitive coverage over $35,000 requires Fraternal Insurance Counselor designation.

Official no-examination sources

Effective from 2026-09-22.

Renewal within 90 days after expiration
No examination is required for this applicant pathway.
Eligibility
The previous license was not denied, revoked, or suspended; satisfy applicable continuing education requirements.
Expiration
License expired no more than 90 days ago.
Fees
Renewal application, renewal fee, and additional fee of one-half the renewal fee.

Official no-examination sources

Effective from 2026-09-22.

New resident previously licensed within the past 90 days
No examination is required for this applicant pathway.
Application
Submit electronic application and fingerprints; meet all remaining license requirements.
Prior license
Held the same or similar insurance license in the previous resident state within 90 days preceding the Texas application.

Official no-examination sources

Effective from 2026-09-22.

Nonresident corporation or partnership agency licensure
No examination is required for this applicant pathway.
Application
Provide application, fee, control and management information, required fingerprints and entity documentation.
Entity
Corporation, limited liability company, partnership, or depository institution; individuals performing agent acts must be licensed separately.
Financial responsibility
Where applicable, meet §4001.106 financial-responsibility requirements with a qualifying errors-and-omissions policy or bond.
Residence
Nonresident entity applicant.
Responsible producer
At least one officer or active partner must hold an appropriate Texas individual license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident applicant seeking a discretionary waiver
General Lines - Life, Accident & Health - English
Application
Meet all unwaived individual licensing requirements.
Discretion
Under §4056.055 the Department may waive requirements; permission to waive does not itself establish an exemption.
Home license
A valid other-state or jurisdiction license with substantially equivalent requirements, or a waiver needed to promote reciprocal licensing.
Nonresident individual without a qualifying home state license
General Lines - Life, Accident & Health - English
Application
Submit the completed application, applicable fees, and required information; fingerprint/background requirements apply unless exempt.
Appointment
An insurer appointment is required before engaging in business as an agent under §4001.201.
Board application instruction
https://www.tdi.texas.gov/agent/general-life-apply.html states: An active general lines, life, accident, health and HMO license in good standing in your resident / home state is required to apply for a Texas non-resident license. The statutory §4056.053 pathway for applicants without a home-state license governs the requirement tree.
Criminal history
Submit home-state law enforcement criminal history records under §4056.051(b).
Eligibility
No disqualifying act under Chapter 4005; bona fide intent to engage in insurance business under §4001.104.
Minimum age
At least 18 years old.
Passing score window
The required licensing examination must have been passed within the 12 months before application.
Residence
Applicant is not a Texas resident and has no qualifying reciprocal home-state license.
Nonresident individual licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the application and nonrefundable fee.
Home license
Hold a home-state agent license in good standing with generally comparable authority; the home state grants reciprocal nonresident licenses to Texas residents.
Scope
Authority is limited to the lines authorized by the home-state license under §4056.056.

Official no-examination sources

Effective from 2026-09-22.

Transition from reciprocal nonresident to comparable resident license
No examination is required for this applicant pathway.
Application
Provide address/contact changes and required fingerprint forms; the nonresident license is cancelled when the comparable resident license is issued.
Prior license
An individual already holds a reciprocal Texas nonresident license under §4056.052 and has moved to Texas.

Official no-examination sources

Effective from 2026-09-22.

New application after denial or revocation
General Lines - Life, Accident & Health - English
Exceptions
§4005.105(d) excepts failures to pass an examination, complete continuing education/pay fines, or submit a complete application from the waiting-period and good-cause restrictions.
Good cause
Show good cause why the denial or revocation should not bar issuance.
Issuance
Meet original-issuance requirements; applicable examination exemptions remain available.
Waiting period
Ordinarily wait five years from the effective denial/revocation or final affirming court order.
Renewal of an unexpired license
No examination is required for this applicant pathway.
Application
Submit renewal application and fee; satisfy applicable continuing education and unpaid-fine requirements.
License
Unexpired license not suspended or revoked.

Official no-examination sources

Effective from 2026-09-22.

Resident corporation or partnership agency licensure
No examination is required for this applicant pathway.
Application
Provide application, fee, control and management information, required fingerprints and entity documentation.
Entity
Corporation, limited liability company, partnership, or depository institution; individuals performing agent acts must be licensed separately.
Financial responsibility
Where applicable, meet §4001.106 financial-responsibility requirements with a qualifying errors-and-omissions policy or bond.
Residence
Resident entity applicant.
Responsible producer
At least one officer or active partner must hold an appropriate Texas individual license.

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensure by examination
General Lines - Life, Accident & Health - English
Application
Submit the completed application, applicable fees, and required information; fingerprint/background requirements apply unless exempt.
Appointment
An insurer appointment is required before engaging in business as an agent under §4001.201.
Eligibility
No disqualifying act under Chapter 4005; bona fide intent to engage in insurance business under §4001.104.
Minimum age
At least 18 years old.
Passing score window
The required licensing examination must have been passed within the 12 months before application.
New issuance after expiration of one year or more
General Lines - Life, Accident & Health - English
Expiration
License expired at least one year ago.
Issuance
Comply with the original-issuance requirements; submit to reexamination when required for original issuance.
New issuance after expiration over 90 days but under one year
No examination is required for this applicant pathway.
Education
Satisfy applicable continuing education and fines.
Expiration
License expired more than 90 days but less than one year ago; previous license was not denied, revoked, or suspended.
Fees
New application, license fee, and additional fee of one-half the license fee.

Official no-examination sources

Effective from 2026-09-22.

Discretionary renewal of former Texas license after out of state practice
General Lines - Life, Accident & Health - English
Discretion
Department may renew without reexamination under §4003.008.
Fees
Pay fee equal to the license application fee.
License history
Previously licensed in Texas, moved away, and currently licensed with continuous practice in the other state preceding application.
Conversion of an active temporary license to permanent licensure
General Lines - Life, Accident & Health - English
Application
Notify TDI of examination passage; a new application is unnecessary if passed before temporary expiration; otherwise a new application and fee are required.
Temporary license
Hold the corresponding temporary license and pass the state licensing examination within its 180-day term.

Temporary General lines – life, accident, health and HMO license

A one-time, nonrenewable 180-day temporary general lines license that does not require passing a written examination for issuance.

Licensing authority: Texas Department of Insurance · Application information

Sponsored temporary individual licensure
No examination is required for this applicant pathway.
Application
Submit application, fee, sponsor appointment certification and applicable fingerprints.
Exam participation
§4001.161 imposes sponsor-level examination participation/pass-rate duties; §4001.152 does not require passage for temporary issuance.
Sponsor
Being considered for appointment as a full-time agent; sponsor requests the license and supervises training.
Term
180 days; TDI offers this license once and does not renew it.
Training
At least 40 hours by the 30th day following delivery/mailing of application, fee, and sponsor certificate, including at least 10 classroom hours under §4001.160.

Official no-examination sources

Effective from 2026-09-22.

Temporary Life agent license

A one-time, nonrenewable 180-day temporary license for a life agent license; passing a written examination is not required.

Licensing authority: Texas Department of Insurance · Application information

Sponsored temporary individual licensure
No examination is required for this applicant pathway.
Application
Submit application, fee, sponsor appointment certification and applicable fingerprints.
Exam participation
§4001.161 imposes sponsor-level examination participation/pass-rate duties; §4001.152 does not require passage for temporary issuance.
Sponsor
Being considered for appointment as a full-time agent; sponsor requests the license and supervises training.
Term
180 days; TDI offers this license once and does not renew it.
Training
At least 40 hours by the 30th day following delivery/mailing of application, fee, and sponsor certificate, including at least 10 classroom hours under §4001.160.

Official no-examination sources

Effective from 2026-09-22.

Temporary limited lines license

One-time, nonrenewable 180-day temporary limited lines license; passing a written examination is not required for issuance.

Licensing authority: Texas Department of Insurance · Application information

Sponsored temporary individual licensure
No examination is required for this applicant pathway.
Application
Submit application, fee, sponsor appointment certification and applicable fingerprints.
Exam participation
§4001.161 imposes sponsor-level examination participation/pass-rate duties; §4001.152 does not require passage for temporary issuance.
Sponsor
Being considered for appointment as a full-time agent; sponsor requests the license and supervises training.
Term
180 days; TDI offers this license once and does not renew it.
Training
At least 40 hours by the 30th day following delivery/mailing of application, fee, and sponsor certificate, including at least 10 classroom hours under §4001.160.

Official no-examination sources

Effective from 2026-09-22.

Long-term care partnership certification

Subject to §19.1022(b), requires a current department-issued life, accident, and health license and completion of a qualifying long-term care partnership certification course.

Licensing authority: Texas Department of Insurance · Application information

Certification by classroom course without a provider assessment
No examination is required for this applicant pathway.
Certification application
For certificate issuance under §4008.005, submit the required certification application, complete the certification requirements within the preceding 12 months, and satisfy the disqualification criteria.
Classroom
Use a certified classroom course requiring attendance of at least 90%; this route is for completion without a provider-imposed final examination.
License
Hold a current Texas life, accident, and health license.
Records
Maintain completion proof for four years and provide it to TDI on request.
Training
Complete a department-certified course of at least eight hours covering the subjects in 28 TAC §19.1022.

Official no-examination sources

Effective from 2026-09-22.

Nonresident certification through a designated partnership state
No examination is required for this applicant pathway.
Course
Complete that jurisdiction’s substantially similar course and retain requested proof; other-state assessments are conditions.
Home state
Actual home state does not qualify as a partnership state; designate a qualifying partnership state and satisfy §19.1022(i).

Official no-examination sources

Effective from 2026-09-22.

  • tac-19-1022

    28 TAC §19.1022 (j) A non-resident licensee

Nonresident maintenance through designated partnership state
No examination is required for this applicant pathway.
Education
Comply with the designated partnership state’s continuing education requirements under §19.1023(d).
Home state
Home state does not qualify as a partnership state; designate one that does.

Official no-examination sources

Effective from 2026-09-22.

  • tac-19-1023

    28 TAC §19.1023 (e) A non-resident licensee

Nonresident certification through a qualifying partnership state course
No examination is required for this applicant pathway.
Assessment
Any other-state course examination is an applicant condition and is not a Texas exam leaf.
Course
Have completed the substantially similar home-state partnership course; the appointed insurer and licensee must furnish proof upon request.
Home state
The home state qualifies as a long-term care partnership state.
License
Hold a comparable current home-state license.

Official no-examination sources

Effective from 2026-09-22.

  • tac-19-1022

    28 TAC §19.1022 (i) A non-resident licensee

Nonresident maintenance through home state partnership education
No examination is required for this applicant pathway.
Education
Comply with home-state long-term care partnership continuing education.
Home state
Home state qualifies as a partnership state.

Official no-examination sources

Effective from 2026-09-22.

  • tac-19-1023

    28 TAC §19.1023 (d) A non-resident licensee

Maintenance or renewal by attendance only classroom continuing education
No examination is required for this applicant pathway.
Assessed alternative
Self-study or classroom-equivalent course assessments depend on the provider/course; those separate routes are retained as secondary notes.
Classroom
Use classroom coursework completed by attendance, without a provider-imposed examination.
Education
Complete at least 4 hours of department-certified specialty continuing education each subsequent reporting period.
License
Continue to hold the underlying Texas life, accident, and health license.
Renewal application
File a properly completed renewal application as applicable under §4008.007; a suspended or revoked certificate may not be renewed.

Official no-examination sources

Effective from 2026-09-22.

Recertification after inactive license by attendance only classroom course
No examination is required for this applicant pathway.
Certification application
For certificate issuance under §4008.005, submit the required certification application, complete the certification requirements within the preceding 12 months, and satisfy the disqualification criteria.
Classroom
Use a certified classroom course requiring attendance of at least 90%; this route is for completion without a provider-imposed final examination.
Inactive license
License expired at least one year, was revoked, or refused renewal.
License
Hold a current Texas life, accident, and health license.
Recertification
After a new original license is issued, satisfy certification anew; inactive-license courses cannot be reused.
Records
Maintain completion proof for four years and provide it to TDI on request.
Source confirmation
The §19.1030 artifact was flagged as thin; inspection confirms it contains the complete substantive rule and source note, rather than a shell.
Training
Complete a department-certified course of at least eight hours covering the subjects in 28 TAC §19.1022.

Official no-examination sources

Effective from 2026-09-22.

Medicare-related product certification

Requires agents acting with regard to Medicare-related products to satisfy §19.102 and complete a qualifying Medicare-related product certification course.

Licensing authority: Texas Department of Insurance · Application information

Certification by classroom course without a provider assessment
No examination is required for this applicant pathway.
Certification application
For certificate issuance under §4008.005, submit the required certification application, complete the certification requirements within the preceding 12 months, and satisfy the disqualification criteria.
Classroom
Use a certified classroom course requiring attendance of at least 90%; this route is for completion without a provider-imposed final examination.
License
Hold a current Texas life, accident, and health license.
Medicare authority
28 TAC §19.102(a) states: Persons holding a current permanent general life, accident, and health insurance license under the Insurance Code §4054.051 are authorized to act as marketing representatives to market Medicare plans pursuant to federal law, regulations and CMS marketing guidelines. Hold that permanent general license and comply with the federal requirements; no particular national examination is named by this state rule.
Records
Maintain completion proof for four years and provide it to TDI on request.
Training
Complete a department-certified course of at least eight hours covering the subjects in 28 TAC §19.1024.

Official no-examination sources

Effective from 2026-09-22.

Maintenance or renewal by attendance only classroom continuing education
No examination is required for this applicant pathway.
Assessed alternative
Self-study or classroom-equivalent course assessments depend on the provider/course; those separate routes are retained as secondary notes.
Classroom
Use classroom coursework completed by attendance, without a provider-imposed examination.
Education
Complete at least 4 hours of department-certified specialty continuing education each subsequent reporting period.
License
Continue to hold the underlying Texas life, accident, and health license.
Renewal application
File a properly completed renewal application as applicable under §4008.007; a suspended or revoked certificate may not be renewed.

Official no-examination sources

Effective from 2026-09-22.

Recertification after inactive license by attendance only classroom course
No examination is required for this applicant pathway.
Certification application
For certificate issuance under §4008.005, submit the required certification application, complete the certification requirements within the preceding 12 months, and satisfy the disqualification criteria.
Classroom
Use a certified classroom course requiring attendance of at least 90%; this route is for completion without a provider-imposed final examination.
Inactive license
License expired at least one year, was revoked, or refused renewal.
License
Hold a current Texas life, accident, and health license.
Medicare authority
28 TAC §19.102(a) states: Persons holding a current permanent general life, accident, and health insurance license under the Insurance Code §4054.051 are authorized to act as marketing representatives to market Medicare plans pursuant to federal law, regulations and CMS marketing guidelines. Hold that permanent general license and comply with the federal requirements; no particular national examination is named by this state rule.
Recertification
After a new original license is issued, satisfy certification anew; inactive-license courses cannot be reused.
Records
Maintain completion proof for four years and provide it to TDI on request.
Source confirmation
The §19.1030 artifact was flagged as thin; inspection confirms it contains the complete substantive rule and source note, rather than a shell.
Training
Complete a department-certified course of at least eight hours covering the subjects in 28 TAC §19.1024.

Official no-examination sources

Effective from 2026-09-22.

Small employer health benefit plans specialty certification

Voluntary specialty certification program for individuals who market small employer health benefit plans in accordance with chapter 1501.

Licensing authority: Texas Department of Insurance · Application information

Certification by qualifying professional designation
No examination is required for this applicant pathway.
Designation
Provide evidence of a Registered Health Underwriter (RHU), Certified Employee Benefit Specialist (CEBS), or Registered Employee Benefits Consultant (REBC) designation.
License
Hold a current Texas general life, accident, and health license.
Marketing
Agree to market qualifying small employers without regard to number of covered employees; keep business address, phone and service-area information on file.

Official no-examination sources

Effective from 2026-09-22.

Maintenance or renewal by attendance only classroom continuing education
No examination is required for this applicant pathway.
Assessed alternative
Self-study or classroom-equivalent course assessments depend on the provider/course; those separate routes are retained as secondary notes.
Classroom
Use classroom coursework completed by attendance, without a provider-imposed examination.
Education
Complete at least 5 hours of department-certified specialty continuing education each subsequent reporting period.
License
Continue to hold the underlying Texas life, accident, and health license.
Renewal application
File a properly completed renewal application as applicable under §4008.007; a suspended or revoked certificate may not be renewed.

Official no-examination sources

Effective from 2026-09-22.

Recertification by qualifying designation after inactive license
No examination is required for this applicant pathway.
Designation
Qualify anew through the RHU, CEBS or REBC exemption under §4054.353(c); do not reuse coursework completed under the inactive license.
License
A new original general life, accident, and health license has been issued after expiration of at least a year, revocation or refusal to renew.
Source confirmation
The thin-flagged §19.1030 file contains the actual rule and was inspected.

Official no-examination sources

Effective from 2026-09-22.

credit insurance license

Limited-purpose insurance authority including accident or health coverage; Chapter 4055 does not require an examination.

Licensing authority: Texas Department of Insurance · Application information

Renewal within 90 days after expiration
No examination is required for this applicant pathway.
Expiration
License expired no more than 90 days ago.
Fees
Submit renewal application and renewal fee plus one-half of that fee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident agency specialty licensure
No examination is required for this applicant pathway.
Applicant type
Agency applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Management
Provide information about executive officers, directors, partners and controlling individuals/entities.
Qualifying business
§4055.103 permits the specified retail distributors, dealers, financial institutions, finance companies and manufactured/mobile-home retailers.
Residence
Nonresident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual specialty licensure
No examination is required for this applicant pathway.
Applicant type
Individual applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Qualifying business
§4055.103 permits the specified retail distributors, dealers, financial institutions, finance companies and manufactured/mobile-home retailers.
Residence
Nonresident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

New specialty application after denial or revocation
No examination is required for this applicant pathway.
Issuance
Meet original specialty issuance requirements; no examination under §4055.006.
Waiting period
Meet the applicable five-year waiting period and show good cause under §4005.105, subject to its exceptions.

Official no-examination sources

Effective from 2026-09-22.

Renewal of an unexpired specialty license
No examination is required for this applicant pathway.
Application
Submit renewal application and required renewal fee.
Education
§4055.006(b) exempts specialty license holders from continuing education.
License
Unexpired license not suspended or revoked.

Official no-examination sources

Effective from 2026-09-22.

Resident agency specialty licensure
No examination is required for this applicant pathway.
Applicant type
Agency applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Management
Provide information about executive officers, directors, partners and controlling individuals/entities.
Qualifying business
§4055.103 permits the specified retail distributors, dealers, financial institutions, finance companies and manufactured/mobile-home retailers.
Residence
Resident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

Resident individual specialty licensure
No examination is required for this applicant pathway.
Applicant type
Individual applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Qualifying business
§4055.103 permits the specified retail distributors, dealers, financial institutions, finance companies and manufactured/mobile-home retailers.
Residence
Resident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

New specialty license after expiration of one year or more
No examination is required for this applicant pathway.
Expiration
Expired at least one year.
Issuance
Comply with original issuance procedures; §4055.006 expressly exempts specialty issuance from examination.

Official no-examination sources

Effective from 2026-09-22.

New specialty license after expiration over 90 days but under one year
No examination is required for this applicant pathway.
Expiration
Expired over 90 days but under one year.
Fees
New application, license fee and additional fee of one-half the license fee.

Official no-examination sources

Effective from 2026-09-22.

Discretionary renewal after continuous out of state practice
No examination is required for this applicant pathway.
Discretion
Department may renew under §4003.008.
Fee
Fee equals the license application fee.
License history
Former Texas licensee moved away and holds a current license with continuous out-of-state practice preceding application.

Official no-examination sources

Effective from 2026-09-22.

rental car company license

Limited-purpose specialty license for rental car companies or their franchisees, covering insurance connected with vehicle rentals, including accident and health insurance.

Licensing authority: Texas Department of Insurance · Application information

Renewal within 90 days after expiration
No examination is required for this applicant pathway.
Expiration
License expired no more than 90 days ago.
Fees
Submit renewal application and renewal fee plus one-half of that fee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident agency specialty licensure
No examination is required for this applicant pathway.
Applicant type
Agency applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Management
Provide information about executive officers, directors, partners and controlling individuals/entities.
Qualifying business
Applicant is a rental car company or its franchisee; insurance is in connection with rentals and within §4055.053.
Residence
Nonresident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual specialty licensure
No examination is required for this applicant pathway.
Applicant type
Individual applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Qualifying business
Applicant is a rental car company or its franchisee; insurance is in connection with rentals and within §4055.053.
Residence
Nonresident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

New specialty application after denial or revocation
No examination is required for this applicant pathway.
Issuance
Meet original specialty issuance requirements; no examination under §4055.006.
Waiting period
Meet the applicable five-year waiting period and show good cause under §4005.105, subject to its exceptions.

Official no-examination sources

Effective from 2026-09-22.

Renewal of an unexpired specialty license
No examination is required for this applicant pathway.
Application
Submit renewal application and required renewal fee.
Education
§4055.006(b) exempts specialty license holders from continuing education.
License
Unexpired license not suspended or revoked.

Official no-examination sources

Effective from 2026-09-22.

Resident agency specialty licensure
No examination is required for this applicant pathway.
Applicant type
Agency applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Management
Provide information about executive officers, directors, partners and controlling individuals/entities.
Qualifying business
Applicant is a rental car company or its franchisee; insurance is in connection with rentals and within §4055.053.
Residence
Resident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

Resident individual specialty licensure
No examination is required for this applicant pathway.
Applicant type
Individual applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Qualifying business
Applicant is a rental car company or its franchisee; insurance is in connection with rentals and within §4055.053.
Residence
Resident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

New specialty license after expiration of one year or more
No examination is required for this applicant pathway.
Expiration
Expired at least one year.
Issuance
Comply with original issuance procedures; §4055.006 expressly exempts specialty issuance from examination.

Official no-examination sources

Effective from 2026-09-22.

New specialty license after expiration over 90 days but under one year
No examination is required for this applicant pathway.
Expiration
Expired over 90 days but under one year.
Fees
New application, license fee and additional fee of one-half the license fee.

Official no-examination sources

Effective from 2026-09-22.

Discretionary renewal after continuous out of state practice
No examination is required for this applicant pathway.
Discretion
Department may renew under §4003.008.
Fee
Fee equals the license application fee.
License history
Former Texas licensee moved away and holds a current license with continuous out-of-state practice preceding application.

Official no-examination sources

Effective from 2026-09-22.

Travel insurance specialty license

Authorizes the holder to sell, solicit, or negotiate travel insurance through a licensed insurer; Chapter 4055 does not require an examination.

Licensing authority: Texas Department of Insurance · Application information

Renewal within 90 days after expiration
No examination is required for this applicant pathway.
Expiration
License expired no more than 90 days ago.
Fees
Submit renewal application and renewal fee plus one-half of that fee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident agency specialty licensure
No examination is required for this applicant pathway.
Applicant type
Agency applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Management
Provide information about executive officers, directors, partners and controlling individuals/entities.
Residence
Nonresident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual specialty licensure
No examination is required for this applicant pathway.
Applicant type
Individual applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Residence
Nonresident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

New specialty application after denial or revocation
No examination is required for this applicant pathway.
Issuance
Meet original specialty issuance requirements; no examination under §4055.006.
Waiting period
Meet the applicable five-year waiting period and show good cause under §4005.105, subject to its exceptions.

Official no-examination sources

Effective from 2026-09-22.

Renewal of an unexpired specialty license
No examination is required for this applicant pathway.
Application
Submit renewal application and required renewal fee.
Education
§4055.006(b) exempts specialty license holders from continuing education.
License
Unexpired license not suspended or revoked.

Official no-examination sources

Effective from 2026-09-22.

Resident agency specialty licensure
No examination is required for this applicant pathway.
Applicant type
Agency applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Management
Provide information about executive officers, directors, partners and controlling individuals/entities.
Residence
Resident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

Resident individual specialty licensure
No examination is required for this applicant pathway.
Applicant type
Individual applicant; the statutory specialty-business limitations apply.
Application
Submit the Sircon application, $50 application fee, and signed Appointment certification (FIN700).
Fingerprints
TDI states no fingerprint background check is needed for this specialty license.
Residence
Resident applicant.
Scope
Sell only within the limited purposes of the applicable Chapter 4055 subchapter.
Training
Complete insurance-agency and insurer training programs; licensed persons may train employees offering this specialty insurance.

Official no-examination sources

Effective from 2026-09-22.

New specialty license after expiration of one year or more
No examination is required for this applicant pathway.
Expiration
Expired at least one year.
Issuance
Comply with original issuance procedures; §4055.006 expressly exempts specialty issuance from examination.

Official no-examination sources

Effective from 2026-09-22.

New specialty license after expiration over 90 days but under one year
No examination is required for this applicant pathway.
Expiration
Expired over 90 days but under one year.
Fees
New application, license fee and additional fee of one-half the license fee.

Official no-examination sources

Effective from 2026-09-22.

Discretionary renewal after continuous out of state practice
No examination is required for this applicant pathway.
Discretion
Department may renew under §4003.008.
Fee
Fee equals the license application fee.
License history
Former Texas licensee moved away and holds a current license with continuous out-of-state practice preceding application.

Official no-examination sources

Effective from 2026-09-22.

General Lines - Life, Accident & Health - English

Provider
Pearson VUE
Format
Computer-administered examination
Exam questions
130 scoreable questions plus 15 pretest questions
Time limit
150 minutes
Passing score
70 scaled score
Exam fee
$49
Examination outline
  • I. TYPES OF POLICIES
    • Traditional whole life products
    • Traditional whole life products — Ordinary whole life
    • Traditional whole life products — Limited-pay and single-premium life
    • Interest/market-sensitive/adjustable life products
    • Interest/market-sensitive/adjustable life products — Universal life
    • Interest/market-sensitive/adjustable life products — Variable whole life
    • Interest/market-sensitive/adjustable life products — Variable universal life
    • Interest/market-sensitive/adjustable life products — Interest-sensitive whole life
    • Interest/market-sensitive/adjustable life products — Indexed life
    • Term life
    • Term life — Types
    • Term life — Types — Level
    • Term life — Types — Decreasing
    • Term life — Types — Return of premium
    • Term life — Types — Annually renewable
    • Term life — Special features
    • Term life — Special features — Renewable
    • Convertible Annuities
    • Convertible Annuities — Single and flexible premium
    • Convertible Annuities — Immediate and deferred
    • Convertible Annuities — Fixed and variable
    • Convertible Annuities — Indexed
    • Convertible Annuities — Accumulation and Annuity Periods
    • Convertible Annuities — Payout options
    • Combination plans and variations
    • Combination plans and variations — Joint life (first to die)
    • Combination plans and variations — Survivorship life (second to die)
  • II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS
    • Policy riders
    • Policy riders — Waiver of premium and waiver of monthly deduction
    • Policy riders — Guaranteed insurability
    • Policy riders — Payor benefit
    • Policy riders — Accidental death and/or accidental death and dismemberment
    • Policy riders — Term riders
    • Policy riders — Other insureds
    • Policy riders — Long term care
    • Policy riders — Return of premium
    • Policy riders — Disability
    • Policy riders — Cost of Living
    • Policy provisions and options
    • Policy provisions and options — Entire contract
    • Policy provisions and options — Insuring clause
    • Policy provisions and options — Free look
    • Policy provisions and options — Consideration
    • Policy provisions and options — Owner’s rights
    • Policy provisions and options — Beneficiary designations
    • Policy provisions and options — Beneficiary designations — Primary and contingent
    • Policy provisions and options — Beneficiary designations — Revocable and irrevocable
    • Policy provisions and options — Beneficiary designations — Common disaster
    • Policy provisions and options — Beneficiary designations — Minor beneficiaries
    • Policy provisions and options — Beneficiary designations — Designation by class
    • Policy provisions and options — Premium Payment
    • Policy provisions and options — Premium Payment — Modes
    • Policy provisions and options — Premium Payment — Grace period
    • Policy provisions and options — Premium Payment — Automatic premium loan
    • Policy provisions and options — Premium Payment — Level or flexible
    • Policy provisions and options — Reinstatement
    • Policy provisions and options — Policy loans, withdrawals, partial surrenders
    • Policy provisions and options — Non-forfeiture options
    • Policy provisions and options — Dividends and dividend options (e.g. participating, non-participating)
    • Policy provisions and options — Incontestability
    • Policy provisions and options — Assignments
    • Policy provisions and options — Suicide
    • Policy provisions and options — Misstatement of age and gender
    • Policy provisions and options — Settlement options
    • Policy provisions and options — Accelerated death benefits
    • Policy exclusions
    • Policy exclusions — War
    • Policy exclusions — Aviation
    • Policy exclusions — Dangerous Occupation
  • III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICES
    • Completing the application
    • Completing the application — Required signatures
    • Completing the application — Changes in the application
    • Completing the application — Consequences of incomplete applications
    • Completing the application — Warranties and representations
    • Completing the application — Collecting the initial premium and issuing the receipt
    • Completing the application — Replacement
    • Completing the application — Disclosures at point of sale (e.g., HIPAA, HIV consent)
    • Completing the application — USA PATRIOT Act/anti-money laundering
    • Completing the application — Gramm-Leach-Bliley Act (GLBA) Privacy
    • Underwriting
    • Underwriting — Insurable interest
    • Underwriting — Medical information and consumer reports
    • Underwriting — Fair Credit Reporting Act
    • Underwriting — Risk classification
    • Underwriting — Stranger/Investor-owned life insurance (STOLI/IOLI)
    • Delivering the policy
    • Delivering the policy — When coverage begins
    • Delivering the policy — Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • Contract law
    • Contract law — Elements of a contract
    • Contract law — Elements of a contract — Consideration
    • Contract law — Elements of a contract — Offer and Acceptance
    • Contract law — Elements of a contract — Competent parties
    • Contract law — Elements of a contract — Legal purpose
    • Contract law — Unique aspects of the insurance contract
    • Contract law — Unique aspects of the insurance contract — Conditional
    • Contract law — Unique aspects of the insurance contract — Unilateral
    • Contract law — Unique aspects of the insurance contract — Adhesion
    • Contract law — Unique aspects of the insurance contract — Aleatory
  • IV. RETIREMENT AND OTHER INSURANCE CONCEPTS
    • Third-party ownership
    • Life Settlements
    • Group life insurance
    • Group life insurance — Conversion privilege
    • Group life insurance — Contributory vs. noncontributory
    • Retirement plans
    • Retirement plans — Qualified plans
    • Retirement plans — Nonqualified plans
    • Life insurance needs analysis/suitability
    • Life insurance needs analysis/suitability — Personal insurance needs
    • Life insurance needs analysis/suitability — Business insurance needs
    • Life insurance needs analysis/suitability — Business insurance needs — Key person
    • Life insurance needs analysis/suitability — Business insurance needs — Buy sell
    • Social Security benefits
    • Tax treatment of insurance premiums, proceeds, and dividends
    • Tax treatment of insurance premiums, proceeds, and dividends — Individual life
    • Tax treatment of insurance premiums, proceeds, and dividends — Group life
    • Tax treatment of insurance premiums, proceeds, and dividends — Modified Endowment Contracts (MECs)
  • V. TYPES OF POLICIES
    • Disability income
    • Disability income — Individual disability income policy
    • Disability income — Business overhead expense policy
    • Disability income — Business disability buyout policy
    • Disability income — Group disability income policy
    • Disability income — Key employee policy
    • Accidental death and dismemberment
    • Medical expense insurance
    • Medical expense insurance — Basic hospital, medical, and surgical policies
    • Medical expense insurance — Major medical policies
    • Medical expense insurance — Health Maintenance Organizations (HMOs)
    • Medical expense insurance — Preferred Provider Organizations (PPOs)
    • Medical expense insurance — Point of Service (POS) plans
    • Medical expense insurance — Flexible Spending Accounts (FSAs)
    • Medical expense insurance — High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
    • Medical expense insurance — Health Reimbursement Accounts (HRAs)
    • Medicare supplement policies
    • Group insurance
    • Group insurance — Differences between individual and group contracts
    • Group insurance — General characteristics
    • Group insurance — COBRA
    • Individual/Group Long Term Care (LTC)
    • Individual/Group Long Term Care (LTC) — Eligibility
    • Individual/Group Long Term Care (LTC) — Levels of care
    • Other policies
    • Other policies — Dental
    • Other policies — Vision
    • Other policies — Cancer
    • Other policies — Critical illness or specified disease
    • Other policies — Worksite (employer-sponsored)
    • Other policies — Hospital indemnity
    • Other policies — Short-term medical
    • Other policies — Accident
  • VI. POLICY PROVISIONS, CLAUSES, AND RIDERS
    • Mandatory and optional provisions
    • Mandatory and optional provisions — Entire contract
    • Mandatory and optional provisions — Time limit on certain defenses (incontestable)
    • Mandatory and optional provisions — Grace period
    • Mandatory and optional provisions — Reinstatement
    • Mandatory and optional provisions — Notice of claim
    • Mandatory and optional provisions — Claim forms
    • Mandatory and optional provisions — Proof of loss
    • Mandatory and optional provisions — Time of payment of claims
    • Mandatory and optional provisions — Payment of claims
    • Mandatory and optional provisions — Physical examination and autopsy
    • Mandatory and optional provisions — Legal actions
    • Mandatory and optional provisions — Change of beneficiary
    • Mandatory and optional provisions — Misstatement of age or gender
    • Mandatory and optional provisions — Change of occupation
    • Mandatory and optional provisions — Illegal occupation
    • Mandatory and optional provisions — Relation of earnings to insurance
    • Other provisions and clauses
    • Other provisions and clauses — Insuring clause
    • Other provisions and clauses — Free look
    • Other provisions and clauses — Consideration clause
    • Other provisions and clauses — Probationary period
    • Other provisions and clauses — Elimination period
    • Other provisions and clauses — Waiver of premium
    • Other provisions and clauses — Exclusions and limitations
    • Other provisions and clauses — Preexisting conditions
    • Other provisions and clauses — Coinsurance
    • Other provisions and clauses — Deductibles
    • Other provisions and clauses — Eligible expenses
    • Other provisions and clauses — Copayments
    • Other provisions and clauses — Pre-authorizations and prior approval requirements
    • Other provisions and clauses — Usual, reasonable, and customary (URC) charges
    • Other provisions and clauses — Lifetime, annual, or per cause maximum benefit limits
    • Riders
    • Riders — Impairment/exclusions
    • Riders — Guaranteed insurability
    • Riders — Future increase option
    • Rights of renewability
    • Rights of renewability — Noncancelable
    • Rights of renewability — Cancelable
    • Rights of renewability — Guaranteed renewable
  • VII. SOCIAL INSURANCE
    • Medicare (Parts A, B, C, D)
    • Medicaid
    • Social Security benefits
  • VIII. OTHER INSURANCE CONCEPTS
    • Total, partial, recurrent and residual disability
    • Owner’s rights
    • Dependent children benefits
    • Primary and contingent beneficiaries
    • Modes of premium payments
    • Nonduplication and coordination of benefits (e.g., primary vs. excess)
    • Occupational vs. non-occupational
    • Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
    • Managed care
    • Workers Compensation
    • Subrogation
  • IX. FIELD UNDERWRITING PROCEDURES
    • Completing the application
    • Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
    • Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
    • Submitting application (and initial premium if collected) to company for underwriting
    • Policy delivery
    • Explaining policy and its provisions, riders, exclusions, and ratings to clients
    • Replacement
    • Contract law
    • Contract law — Elements of a contract
    • Contract law — Insurable interest
    • Contract law — Warranties and representations
    • Contract law — Unique aspects of the insurance contract
    • Contract law — Unique aspects of the insurance contract — Conditional
    • Contract law — Unique aspects of the insurance contract — Unilateral
    • Contract law — Unique aspects of the insurance contract — Adhesion
    • Contract law — Unique aspects of the insurance contract — Aleatory
  • I. TEXAS STATUTES AND RULES COMMON TO LIFE AND HEALTH INSURANCE
    • Commissioner of Insurance
    • Commissioner of Insurance — General powers and duties
    • Commissioner of Insurance — Examination of records
    • Commissioner of Insurance — Investigation/Notice of hearing
    • Commissioner of Insurance — Penalties
    • Commissioner of Insurance — Cease and desist orders
    • Insurance definitions
    • Insurance definitions — Certificate of authority
    • Insurance definitions — Transacting insurance
    • Insurance definitions — Foreign, domestic, alien
    • Insurance definitions — Stock, mutual
    • Insurance definitions — Fraternals
    • Licensing requirements
    • Licensing requirements — Types
    • Licensing requirements — Types — Agent/Agency
    • Licensing requirements — Types — Nonresident agent
    • Licensing requirements — Types — Temporary
    • Licensing requirements — Exemptions/exceptions
    • Licensing requirements — Appointment
    • Licensing requirements — Continuing education
    • Licensing requirements — Records maintenance
    • Licensing requirements — License denial, renewal, expiration
    • Licensing requirements — License termination, revocation, suspension
    • Licensing requirements — Notification to Department of certain information
    • Licensing requirements — Notification to Department of certain information — Change of address
    • Licensing requirements — Notification to Department of certain information — Felony convictions
    • Licensing requirements — Notification to Department of certain information — Administrative action taken against a license holder
    • Marketing practices
    • Marketing practices — Unfair/Prohibited trade practices
    • Marketing practices — Unfair/Prohibited trade practices — Claims methods and practices
    • Marketing practices — Unfair/Prohibited trade practices — False advertising
    • Marketing practices — Unfair/Prohibited trade practices — Misrepresentation
    • Marketing practices — Unfair/Prohibited trade practices — Defamation
    • Marketing practices — Unfair/Prohibited trade practices — Rebating
    • Marketing practices — Unfair/Prohibited trade practices — Fraud
    • Marketing practices — Unfair/Prohibited trade practices — Boycott, coercion, intimidation
    • Marketing practices — Unfair/Prohibited trade practices — Commingling
    • Marketing practices — Unfair/Prohibited trade practices — Unfair discrimination
    • Agent duties/responsibilities
    • Agent duties/responsibilities — Commission sharing
    • Texas Life and Health Guaranty Association
  • II. TEXAS STATUTES AND RULES PERTINENT TO LIFE INSURANCE ONLY
    • Marketing and Solicitation
    • Marketing and Solicitation — Advertising/Illustrations
    • Marketing and Solicitation — Policy Summary/Buyer’s Guide
    • Individual life and annuity policy provisions
    • Individual life and annuity policy provisions — Free look
    • Individual life and annuity policy provisions — Grace period
    • Individual life and annuity policy provisions — Policy loans
    • Individual life and annuity policy provisions — Prohibited provisions
    • Individual life and annuity policy provisions — Incontestability
    • Individual life and annuity policy provisions — Entire Contract
    • Individual life and annuity policy provisions — Premiums payable in advance
    • Individual life and annuity policy provisions — Statement of insured
    • Individual life and annuity policy provisions — Misstatement of age
    • Individual life and annuity policy provisions — Time for Settlement of a Claim
    • Individual life and annuity policy provisions — Designation of beneficiary, transfer, or assignment of policy
    • Individual life and annuity policy provisions — Assignment of benefits
    • Individual life and annuity policy provisions — Accelerated Term Life benefits
    • Individual life and annuity policy provisions — Reinstatement
    • Individual life and annuity policy provisions — Limitations of lawsuits
    • Individual life and annuity policy provisions — Settlement at maturity
    • Group life
    • Group life — Group eligibility and underwriting requirements
    • Group life — Conversion to individual policy
    • Group life — Dependent coverage
    • Group life — Assignment
    • Group life — Required provisions
    • Group life — Accelerated benefits
    • Credit life
    • Replacement
    • Replacement — Purpose
    • Replacement — Definitions
    • Replacement — Duties of agent
    • Replacement — Duties of replacing insurance company
    • Nonforfeiture law
  • III. Texas statutes and rules pertinent to accident and health insurance only
    • Required group and individual policy provisions
    • Required group and individual policy provisions — Coverage for newborns
    • Required group and individual policy provisions — Definition of dependent
    • Required group and individual policy provisions — Coverage for chemical dependency
    • Medicare supplement
    • Medicare supplement — Minimum standards
    • Medicare supplement — Cancellation
    • AIDS testing requirements
    • Long Term Care
    • Small group health insurance
    • Small group health insurance — Eligibility
    • Small group health insurance — Coverage and Benefits
    • Affordable Care Act
    • Affordable Care Act — Exchanges/Marketplace (Section 1321)
    • Affordable Care Act — Taxes and subsidies (Section 1401, 1402)
    • Affordable Care Act — Essential health benefits (Section 1302, 18022)
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Mental health and substance use disorder services
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Pediatric services
    • Affordable Care Act — Essential health benefits (Section 1302, 18022) — Preventive services
    • Affordable Care Act — Employer notification responsibilities (Section 1511-1515)
  • IV. TEXAS STATUTES AND RULES PERTINENT TO HEALTH MAINTENANCE ORGANIZATIONS (HMOS)
    • Definitions
    • Evidence of coverage
    • Nonrenewal/cancellation
    • Enrollment
    • Out of network claims
Examination sources