Texas Insurance Licensing
Texas life insurance license guide.
Current 2026 requirements.
Texas Department of Insurance (TDI) issues the general lines license covering life, accident, health and HMO. TDI's application steps begin with the state exam; TDI's page does not list a prelicensing course for this license.
- License
- General lines – Life, Accident, Health & HMO
- Regulator
- Texas Department of Insurance
- Exam provider
- Pearson VUE
- Fingerprints
- IdentoGO
- Application fee
- $50
- License term
- 2 years
- Last verified
- September 2026
Resident licensing path
Getting a Texas Life license.
- 01
Review TDI's current requirements
Start on TDI's general lines – life, accident, health and HMO page. - 02
Pass the state exam with Pearson VUE
Download Pearson VUE's Texas candidate handbook and schedule the exam. TDI requires a passing exam before you apply; applying first means reapplying and paying again. - 03
Start the TDI application and fingerprint portal
Your fingerprint service code and instructions come from TDI's online initial application and fingerprint portal. - 04
Get fingerprinted with IdentoGO
Most applicants complete an IdentoGO background check and send TDI the receipt showing prints went to the Texas Department of Public Safety. - 05
Submit the application
The application fee is $50. - 06
TDI review
Submission is not approval. TDI decides whether to issue the license.
State fees
Texas Life license fees.
From TDI's current pages. The Pearson VUE exam fee and IdentoGO fingerprint fee are set by those vendors and not shown here.
- Application fee
- $50
- Renewal fee
- $50
- Late renewal fee
- $25
- One-time temporary license (includes permanent application)
- $150
After licensing
The license is where the operating process begins.
- 01License issued
- 02Carrier contracting / appointments
- 03Final Expense Elite onboarding
- 04Leads matched to licensed states
Separate Life agent license
TDI also lists a separate Life agent license with its own application page. Compare both on TDI's site before choosing.
One-time temporary license
A single 180-day temporary general lines license is available with a sponsor's appointment certification and at least 40 hours of training from the appointing company. It cannot be renewed.
Official resources
The regulator is the authority.
Other state guides
FAQ
Texas licensing questions
What license do I need to sell final expense insurance in Texas?
Final expense is life insurance. TDI's general lines – life, accident, health and HMO license covers life insurance. TDI also lists a separate Life agent license; compare both on TDI's site.
Does Texas require a prelicensing course?
TDI's application steps for this license start with the state exam and do not list a prelicensing course. Confirm on TDI's page before you start.
Who administers the Texas exam?
Pearson VUE. You must pass the exam before applying for the license.
Do I need fingerprints?
Most applicants do. You get a service code through TDI's portal and are fingerprinted by IdentoGO. Some people can request an exemption under the Texas Administrative Code.
What does it cost?
TDI lists a $50 application fee and a $50 renewal fee. Exam and fingerprint fees are charged by Pearson VUE and IdentoGO.
What CE does Texas require?
24 hours every two years, including 3 hours of ethics and at least 12 classroom or classroom-equivalent hours.
Am I licensed once I apply?
No. Submission is not approval. TDI decides whether to issue the license.
Can I get a Texas non-resident license?
Yes, subject to TDI's rules. Non-residents with a license in good standing in a reciprocal state don't need to take the exam.
Start with the license
Understand the Texas process. Then build the system.
Final Expense Elite helps developing agents connect licensing resources with sales training, technology onboarding, lead infrastructure, and a structured development roadmap. Texas licensing approval and requirements are determined by the Texas Department of Insurance.