Texas Insurance CE Requirements 2026: 24 Hours & Ethics

Renewing your Texas insurance license? One of the most important steps is completing your required continuing education (CE) before your license expires.

For many Texas insurance agents and adjusters, the standard requirement is 24 total CE hours every two years, including 3 hours of Ethics.

But not every insurance license follows the same requirements.

This 2026 guide explains how many hours you need, which courses count, how to check your credits through Sircon, and how to avoid costly renewal delays.

How Many CE Hours Do Texas Insurance Agents Need?

The Texas Department of Insurance (TDI) establishes continuing education requirements based on license type.

For many common licenses, the standard requirement is:

• 24 total CE hours per two-year renewal period.

• 3 hours of Ethics, included in the 24-hour total.

• At least half of the required hours completed through approved classroom or classroom-equivalent instruction.

Important: The requirement is 24 hours total, not 24 hours plus 3 additional Ethics hours.

Texas Insurance CE Requirements by License Type

License Type	CE Hours Every 2 Years
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
Managing General Agent	24 hours, including 3 Ethics
Adjusters and Public Adjusters	24 hours, including 3 Ethics
County Mutual	10 hours, including 3 Ethics
Life Insurance Under $25,000	10 hours, including 3 Ethics
Limited Lines Agent	10 hours, including 3 Ethics
Funeral Prearrangement	No standard CE requirement

Certain exemptions and additional specialized training requirements may apply.

Always check your individual license requirements before enrolling.

Is the 3-Hour Ethics Requirement Included in the 24 Hours?

Yes.

For licenses subject to the standard 24-hour requirement, Ethics is part of the total.

A typical CE plan looks like this:

CE Category	Hours
Ethics	3
Other approved CE	21
Total	24

You do not need 27 hours simply because the Ethics requirement is mentioned separately.

Ethics courses generally address professional conduct, regulatory responsibilities, consumer protection, and appropriate business practices.

Before enrolling, confirm that your chosen course package includes enough approved Ethics credit.

What Is the Classroom-Equivalent Requirement?

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

For a license requiring 24 hours, this generally means at least 12 hours must meet that classification.

Classroom-equivalent courses may be delivered online when they meet TDI's approved instructional standards.

However, not every online CE course automatically qualifies as classroom-equivalent.

When selecting a course, check its approved delivery method and credit classification through Sircon.

The goal is to complete both the correct number of hours and the appropriate types of courses.

Can You Complete Texas Insurance CE Online?

Yes. Texas permits approved online continuing education courses.

Online learning can be useful for busy insurance professionals because it allows them to study without attending a traditional classroom.

Depending on the provider and approved course format, online CE may offer:

• Flexible study schedules.
  
• Access from compatible devices.
  
• Self-paced instructional modules.
  
• Online assessments.
  
• Electronic course completion records.

You must still complete the required instruction and assessments to earn credit.

Choosing a TDI-approved provider and the correct course classification is essential.

How to Check Your Texas Insurance CE Hours on Sircon

Before purchasing additional CE courses, check your current transcript.

This helps you avoid buying unnecessary courses or missing required credits.

Step-by-Step Sircon CE Transcript Check

1. Visit Sircon.

2. Find Continuing Education Transcript Inquiry.

3. Select Texas.

4. Enter the requested license information.

5. Review your completed courses and outstanding requirements.

Pay special attention to:

• Total CE hours completed.

• Ethics credits.

• Course classifications.

• Your license expiration date.

• Any outstanding CE deficiency or fine.

If a completed course does not appear, contact the course provider to verify its reporting status.

Keep your course completion records until the credit is accurately reflected in your transcript.

When Is the Texas Insurance CE Deadline?

Texas insurance professionals generally must complete their required CE by their license expiration date.

TDI encourages license holders to finish their courses at least 30 days before expiration to allow time for the provider's completion reports to be processed.

Waiting until the final day creates unnecessary risk.

For example, if your license expires on December 31, completing your required courses in November gives you more time to address missing credits or reporting issues.

Your actual expiration date and CE requirements can be checked using your licensing information.

What Happens If You Miss Your CE Deadline?

Missing your continuing education deadline can result in financial penalties and licensing problems.

TDI generally assesses a $50 fine for each CE hour not completed by the deadline.

For license terms expiring after June 1, 2018, the fine is capped at $500 per license type.

You must still complete the missing CE hours, even when you pay the fine.

If the license expires, additional late renewal or reinstatement requirements may also apply.

Completing the CE requirement before expiration is the simplest way to avoid these expenses.

Are Annuity and Long-Term Care Courses Included in Regular CE?

Certain insurance products have specialized training requirements.

For example:

Annuities: Texas resident agents selling annuities are subject to approved annuity training requirements, including ongoing annuity-specific CE.

Long-Term Care Partnership: Agents selling qualifying long-term care partnership products may need an approved certification course and other applicable training.

Qualifying specialized coursework may count toward regular CE requirements when TDI rules allow.

However, specialized product training and general license renewal requirements are not always interchangeable.

Check the applicable approval and credit details before purchasing a course.

Complete Your Texas Insurance CE With Time2Renew

Time2Renew offers online continuing education designed to help eligible Texas insurance professionals prepare for license renewal.

Our Texas Insurance CE offering includes:

• 24 total CE hours

• 3 hours of Ethics included

• Flexible online learning

• Course completion and reporting support

Before purchasing, verify your license type, remaining credits, and classroom-equivalent requirements.

Explore Time2Renew Texas Insurance CE Courses

Frequently Asked Questions

Does Texas require 24 or 27 CE hours?

For license types subject to the standard 24-hour requirement, you need 24 total hours, including 3 hours of Ethics — not 27 hours.

How often must I complete Texas insurance CE?

Most applicable licenses follow a two-year CE reporting and renewal cycle.

Can I complete all 24 hours online?

Approved online courses are available, but you must still satisfy the classroom-equivalent requirement where applicable.

How do I know whether my CE was reported?

Check your Continuing Education Transcript Inquiry through Sircon.

What happens if I finish my CE after my expiration date?

Late completion does not automatically eliminate CE penalties. You may need to pay fines and satisfy late renewal or reinstatement requirements.

Final Thoughts

Texas insurance CE requirements are easier to manage when you understand the hours, Ethics requirements, course classifications, and reporting deadlines.

For many common agent and adjuster licenses, the rule is straightforward: 24 total hours every two years, including 3 hours of Ethics.

Start early, verify your transcript, and choose approved courses that match your individual requirements.

With the right plan, you can complete your required CE before your renewal deadline and avoid unnecessary penalties.

Last reviewed: October 2026. CE requirements depend on license type, residency, exemptions, and other applicable TDI rules. Verify your individual requirements before enrolling.