Texas Insurance CE 2026: Requirements, Ethics & Updates

Are you preparing to renew your Texas insurance license in 2026?

Keeping up with continuing education (CE) requirements is essential for maintaining your license and avoiding unnecessary penalties.

While some online articles describe major new Texas insurance CE requirements for 2026, it's important to separate confirmed regulatory changes from requirements that were already in place.

The Texas Department of Insurance (TDI) continues to require approved CE for many insurance agents and adjusters, with requirements depending on license type.

Here's what you should know in 2026.

Texas Insurance CE in 2026: What Has Changed?

The standard continuing education requirement for many common Texas insurance licenses remains 24 hours every two years, including 3 hours of Ethics.

This is not a new 2026 requirement.

Texas also continues to require at least half of the applicable CE hours to be completed through approved classroom or classroom-equivalent instruction.

Insurance professionals should focus on three areas in 2026:

1. Confirming their current CE requirements.

2. Completing any applicable specialized training.

3. Verifying their completed credits through Sircon before renewal.

Always use TDI's official guidance to confirm whether a regulatory update affects your particular license.

Current Texas Insurance CE Requirements by License Type

Not every Texas insurance license requires the same number of continuing education hours.

License Type	Standard CE Requirement
General Lines – Life, Accident, Health & HMO	24 hours, including 3 Ethics
General Lines – Property & Casualty	24 hours, including 3 Ethics
Life Agent	24 hours, including 3 Ethics
Personal Lines Property & Casualty	24 hours, including 3 Ethics
Adjusters and Public Adjusters	24 hours, including 3 Ethics
Managing General Agent	24 hours, including 3 Ethics
County Mutual	10 hours, including 3 Ethics
Limited Lines Agent	10 hours, including 3 Ethics

Other license categories, exemptions, and additional requirements may apply.

Remember: For agents required to complete 24 hours, the 3 Ethics hours are part of the 24-hour total — not an additional three hours.

Does Texas Have a New CE Reporting System in 2026?

Insurance CE records are already tracked through established reporting systems, including Sircon.

Agents can use Sircon to review their CE transcripts and verify whether approved courses have been reported.

The existence of electronic CE verification does not mean Texas insurance agents must complete additional hours in 2026.

How to Verify Your CE Credits

1. Visit Sircon.

2. Open Continuing Education Transcript Inquiry.

3. Select Texas.

4. Enter your requested license details.

5. Review your reported CE hours and outstanding requirements.

If a course is missing, contact your education provider to check the reporting status.

Keep your completion certificates and any relevant reporting confirmations for your records.

What About the 3-Hour Ethics Requirement?

Ethics remains an important part of Texas insurance continuing education.

For many license types requiring 24 CE hours, at least 3 hours must be approved Ethics education.

These hours count toward your regular CE total.

For example:

• 21 hours of other approved CE
  
• 3 hours of approved Ethics
  
• 24 total CE hours

Do not purchase a separate three-hour Ethics course if your existing approved CE package already includes the required credit.

Check your transcript to ensure the credit has been recorded under the correct category.

Specialized Training: Annuities and Long-Term Care

Some insurance agents must complete product-specific training in addition to satisfying general licensing standards.

Annuity Training

Texas resident agents who sell annuities must meet applicable Annuity Best Interest training requirements.

After the required certification training, resident agents are generally required to complete 8 hours of annuity-specific CE during each subsequent license term.

These requirements are particularly important for agents whose business includes annuity products.

Long-Term Care Partnership Training

Agents selling qualifying long-term care partnership insurance products must satisfy applicable certification requirements.

Texas requires an approved eight-hour initial long-term care partnership certification course for applicable agents.

Approved specialized training may count toward regular CE requirements when TDI rules permit.

Before purchasing specialized courses, confirm whether you need initial certification, ongoing CE, or both.

What Happens If You Miss Your 2026 CE Deadline?

Missing your continuing education deadline can lead to fines and licensing problems.

TDI generally assesses a $50 penalty for each CE hour not completed by the expiration deadline, with a $500 cap per license type for license terms expiring after June 1, 2018.

If your license expires, you may also need to complete a late renewal or reinstatement process.

The required process changes according to how long your license has been expired.

Completing missing education does not automatically cancel fines or restore an expired license.

The best approach is to finish your CE before the deadline and confirm that your credits have been reported.

How Early Should You Complete Insurance CE?

TDI encourages license holders to complete CE at least 30 days before expiration.

This gives providers time to report course completions and allows agents to address errors before the renewal deadline.

A simple renewal checklist can help:

• Verify your license expiration date.
  
• Check your current CE transcript.
  
• Confirm your remaining Ethics requirement.
  
• Review any specialty training obligations.
  
• Complete the required courses early.
  
• Confirm that credits appear on Sircon.
  
• Submit your renewal according to TDI instructions.

Staying organized is especially important if you hold multiple license types.

Complete Your Texas Insurance CE Online

Time2Renew offers online Texas Insurance Continuing Education for eligible agents preparing for license renewal.

Our CE offering includes 24 total hours, with 3 hours of Ethics included.

Online learning can help you complete approved coursework without attending traditional classroom sessions, subject to applicable course requirements.

Before enrolling, check your license type and remaining credits to ensure the courses fit your renewal needs.

Explore Texas Insurance CE Courses at Time2Renew

Frequently Asked Questions

Did Texas increase the standard insurance CE requirement in 2026?

The standard requirement for many common licenses remains 24 hours every two years, including 3 hours of Ethics. Check TDI for any changes affecting your specific license.

Is Ethics included in the 24 hours?

Yes. For applicable 24-hour licenses, the 3-hour Ethics requirement is included within the total.

Can I check my CE credits online?

Yes. Sircon provides CE transcript inquiry services for Texas license holders.

Do annuity CE hours count toward regular insurance CE?

Qualifying approved annuity-related CE may count toward regular CE requirements where permitted, but you must also satisfy the applicable annuity-specific training rules.

What if my insurance license has already expired?

Your next steps depend on how long the license has been expired. Review TDI's renewal or reinstatement instructions before applying.

Final Thoughts

For Texas insurance professionals, staying compliant in 2026 means understanding the requirements that apply to their licenses rather than assuming every new headline represents a change in the law.

The most important steps are to verify your CE hours, complete Ethics and any required specialized training, and confirm your credits before renewal.

If you need approved continuing education, Time2Renew offers convenient online options to help eligible agents complete their coursework.

Last reviewed: October 2026. Information is based on TDI guidance available at the time of review. License-specific requirements and agency rules may change.