Texas Insurance CE Credits: Your Complete Guide to 2026
Every Texas insurance agent knows CE is mandatory. The hard part is knowing what to take, when to finish, and how to avoid costly errors.
This guide covers exactly what you need for Texas insurance CE in 2026.
How Many CE Credits Do You Need?
Most agents must complete 24 hours of CE every two years. Your deadline is tied to your license expiration date — typically the last day of your birth month.
The breakdown:
RequirementHoursTotal CE24Ethics and Consumer Protection3Classroom-equivalentAt least 12Self-studyUp to 12
Important: At least 12 hours must be classroom-equivalent. This includes live webinars or interactive online courses where you participate in real time. Self-study (reading materials with a final exam) is capped at 12 hours per cycle.
Some license types need fewer than 24 hours. For example, a Life Insurance Not Exceeding $25,000 license requires only 10 hours. Always check your specific requirements on the TDI website.
The Ethics Requirement
Every agent must complete 3 hours of Ethics and Consumer Protection each renewal cycle. These courses cover professional conduct, fair treatment of policyholders, consumer protection laws, and avoiding conflicts of interest.
If your license expired before September 1, 2022, you only needed 2 hours. For everyone else in 2026, it‘s 3 hours.
Special Training Requirements
In addition to the 24 general hours, you may need extra training depending on what you sell:
-
Annuities: 8 hours of ongoing CE every two years
-
Long-Term Care (LTC): 4 hours of ongoing CE each cycle
-
Flood Insurance: One-time 3-hour NFIP course before you can sell it
- Medicare Products: 8 hours initial + 4 hours ongoing each cycle
These are separate from your 24 general hours. Track them both to avoid surprises at renewal.
The Deadline: No Grace Period
Your CE must be completed before midnight Central Time on your expiration date. There is no grace period. If you miss the deadline, you face fines and delays.
Smart move: Finish your CE at least 30 days early. This gives your provider time to report hours to TDI and gives you time to catch any reporting errors.
What Happens If You Miss the Deadline?
Missing your CE deadline is expensive and stressful:
- $50 fine for each missing hour (capped at $500)
- $75 late renewal fee per line of authority
- Your license may become inactive
- You cannot sell insurance or collect commissions until renewed
Even if you pay the fine, you still must complete the missing hours.
How to Choose the Right CE Courses
When selecting courses, look for these features:
-
TDI approval – Both the provider and the specific course must be on TDI‘s approved list
-
Format mix – Get the right balance of classroom-equivalent and self-study hours
-
Ethics included – Bundling saves you time and ensures you don‘t forget it
-
Automatic reporting – Your provider should send your hours to TDI directly
- Relevance – Choose courses that apply to your license type (Life & Health, Property & Casualty, or Personal Lines)
Common Mistakes Agents Make
-
Waiting until the last week – the system gets slow, providers may delay reporting, and you risk missing the deadline
-
Taking too many self-study hours – only 12 hours count; the rest are wasted
-
Forgetting the ethics requirement – it‘s part of your 24, not extra, but many forget to include it
-
Not checking your transcript – always verify your CE record on Sircon after each course
- Repeating the same course – courses cannot be repeated more than once in a two-year term
Get Your CE Credits Done Right with Time2Renew
Time2Renew makes it easy to complete your Texas CE requirements. We offer:
- 24-hour bundles with ethics included
- Classroom-equivalent courses that meet the 12-hour rule
- Specialty courses for annuities, LTC, and flood
- Automatic TDI reporting – we handle it for you
All courses are online, self-paced, and mobile-friendly. Start for as low as $39.99 – no hidden fees.
Final tip: Don‘t wait until your expiration month. Choose your courses now, complete them over a couple of weekends, and renew with confidence.