Texas has a fairly difficult process set up to become a Texas insurance agent. Most types of insurance require a license. Getting a license to sell insurance in Texas generally requires an applicant to attend an approved Texas insurance course. But the applicant must then take a separate Texas insurance exam. Those who complete these requirements can then apply to get a Texas insurance license.
Unlike most U.S. states (states generally determine insurance licensing requirements), Texas does not require any kind of Texas insurance course to become a Texas insurance agent. Rather, you will typically have to take a test to show that you have the requisite knowledge necessary to sell insurance to Texas insurance consumers.
Of course, any sort of employer-based insurance training courses or college insurance courses may help you to prepare for your exam. In addition to any courses that you take on your own, you should download the Prometric (the exam administrator) Texas “Licensing Information Bulletin” at Prometric.com/NR/rdonlyres/ejcxq3izn3pfddxnt7527vvqqc7yudvbvjssao5tksubzdewfmcrq7dwfdp7ldvjpdt66gp3apzclehnnbge2snlgoc/TXINSLIB20100101FINAL.pdf. This bulletin will tell you which 14 classifications of Texas insurance licenses (or related licenses like public adjusters) require a Texas insurance exam.
Use the exam content outlines in the bulletin to see the areas you need to study for your particular exam. The outlines merely give you the topics to study, so it is up to you to find the study materials, which are not provided by the Texas Department of Insurance or Prometric. Ask any insurance agent if you are not sure where to find the materials to study for your exam.
Finish studying for your exam. When you think you are ready, then you should now prepare to submit fingerprints. If you want to work as a licensed Texas insurance agent, then you will need to pass a criminal background check. Complete the form at Tdi.state.tx.us/forms/lhllicensing/Fastform_Final.pdf and follow the instructions to schedule your fingerprint appointment. You may submit your prints at a Prometric testing center when you take your Texas insurance test. As of 2010, the fee is $44.20.
Register for and take your exam. Use the bulletin above to get information on registering or go to Prometric.com/texas. As of 2010, the fee is $55 to $70 for the various Texas insurance license exams.
Once you have completed your test and passed, you can then submit a Texas insurance license application. If you have taken a test (not all Texas insurance lines require a test), then submit the application to Prometric using the information in the bulletin. If you did not take a test, then go to tdi.state.tx.us/forms/lhllicensing/lhl206.pdf on the Texas Department of Insurance website and fill out and submit the “Application for Individual Agent License.” As of 2010, the fee is $50 for each license type for a Texas insurance agent ($150 for temporary licenses). Make checks or money orders payable to “Texas Department of Insurance.”
Prometric Texas Insurance Licensing Information Bulletin
Texas Department of Insurance Texas Insurance License Forms