Get Your Texas Insurance License — No Prelicensing Required

Getting your Texas insurance license involves four steps. First, prepare for your exam — Texas does not require a formal prelicensing course, though most candidates strongly recommend taking one. Second, pass the Texas state licensing exam administered by Pearson VUE — you need a score of at least 70% to pass. Third, complete a background check, including fingerprinting. Fourth, Submit your application through the National Insurance Producer Registry (NIPR) and pay the Texas Department of Insurance application fee of $50. Most candidates complete the entire process in 2-4 weeks. JustInsurance offers fully online, self-paced prelicensing courses approved for Texas that get you to exam day confident and prepared.

The total cost to get your Texas insurance license typically runs $350-500 estimated total cost. Here is how it breaks down: the Pearson VUE exam fee is $39, the Texas Department of Insurance application fee is $50, and a background check adds a small additional cost. If you need a prelicensing course, JustInsurance's Texas combined Life & Health package is $199 — that's $199 less than purchasing Life and Health courses separately. Everything you need to get licensed, with no hidden fees.

Most focused candidates complete the Texas insurance licensing process in 2-4 weeks. That timeframe covers scheduling and passing the Pearson VUE state exam, clearing your background check, and waiting for the Texas Department of Insurance to process your application. The Pearson VUE exam delivers results quickly — most candidates receive their score before leaving the testing center. JustInsurance's self-paced format lets you move as fast or as steady as your schedule allows.

JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The Texas exam is administered by Pearson VUE and requires a minimum score of 70% to pass. If you do not pass on your first attempt, you can retake it after scheduling your next available test date with no mandatory waiting period. There is no limit on the number of times you can retake the exam. See our full pass rate methodology at /pass-rates.

Insurance agents in Texas earn an average of $66,490 per year according to Bureau of Labor Statistics data. New agents starting out typically earn around $30,140 in their first year while building a client base, and top producers in Texas can earn $121,590 or more annually. Demand for new insurance producers remains steady in Texas. Income is heavily influenced by the lines of authority you hold and whether you work as a captive or independent agent — the combined Life & Health license unlocks the broadest product range and highest earning potential.

No. Texas does not require prelicensing education before sitting for the state insurance exam. You can register directly with Pearson VUE and schedule your exam without completing any formal coursework. However, the Texas insurance exam covers extensive state law and product knowledge — most first-time test takers benefit significantly from a structured preparatory course. Texas also requires 4-hour annuity suitability training before selling annuity products, even after licensure.