Insurance Licensing Compliance Guide
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Texas Insurance License

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Licensing requirements for Texas insurance professionals and companies.

This page provides an overview of insurance licensing in Texas for individuals and companies. You will find state requirements, application fees, filing instructions, and more. For assistance with licensing, please contact us to learn about our software and managed license services.

Companies that provide insurance producer services in Texas must apply for a license prior to doing business. Depending on the lines of authority offered by the entity and the types of services offered, multiple firm licenses may be required.

Before applying, firms should ensure that the licensed individual to be appointed agent in charge has the necessary licenses. Firms should also gather proof of incorporation, or foreign qualification for out-of-state firms, in anticipation of application requirements.

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Company Licenses

Texas Financial Services Company Licenses

Texas Insurance Agency License

Agency:Texas Department of Insurance
Fact Checked:1/8/16

Initial Registration

This section applies to insurance firms that are applying for a license in Texas for the first time.

Agency:Texas Department of Insurance
Form:

http://www.tdi.texas.gov/forms/form11apps.html

Agency Fee:

Varies by insurance type. Baseline of $50

Fact Checked:1/8/16

Registration Renewal

This section applies to insurance firms that are already licensed in Texas and need to renew their license.

Agency:Texas Department of Insurance
Form:

http://www.tdi.texas.gov/forms/form11apps.html

Agency Fee:

Varies by insurance type. Baseline of $50

Fact Checked:1/8/16

Texas Third-Party Debt Collector Bond Registration

Agency:Texas Secretary of State - Registrations Unit
Bond Requirements:

$10,000 surety bond.

Notes:

Texas does not issue collection agency licenses but instead requires agencies to submit a bond registration.

Fact Checked:1/8/19

Initial Registration

Form:

Third-Party Debt Collector Bond Form

Agency Fee:

$0

Fact Checked:1/8/19

Renewal Not Required

Not required



Bond filings do not need to be renewed.

Texas Utilization Review Agent Certification

Type of Review:

Medical or Workers' Compensation Utilization Review

Agency:Texas Department of Insurance
Law:

TX Ins Code § 4201.101

Foreign Qualification is Prerequisite:Yes
Notes:

Applicants must choose to apply for certification or registration. Certification is for entities that conduct utilization review for a health benefit plan or health insurance policy; also payors or administrators holding a certificate of authority under TX Ins Code ch. 4201. Registration is for licensed insurance companies or health maintenance organizations that perform utilization review only for their own insureds or enrollees.

Registered Agent (Special Agency) Required?Yes
Fact Checked:2/18/21

Initial Registration

Form:

URA Application Form

Agency Fee:

$2,150 for certification. There is no fee for 'registered' applicants.

Notarize:Required
Required Attachments:
  • A summary of the utilization review plan as detailed in the application
  • Categories of personnel as noted in 28 TAC § 19.1706 and 28 TAC § 19.2006
  • Appeal of adverse determination acknowledgement and template letters
  • Telephone access details as noted in 28 TAC § 19.1712 and 28 TAC § 19.2012
  • Written evidence that the applicant is doing business in Texas in accordance with the Texas Business Organizations Code, which may include a letter from the Texas Secretary of State indicating the entity has filed the appropriate paperwork to conduct business in this state
  • A chart showing the internal organizational structure of the applicant’s executives, officers, and directors and the title of the position held by each
  • A letter of good standing from the Texas Comptroller of Public Accounts
  • Completed biographical affidavit and fingerprints for each executive, officer, and director
Fact Checked:2/18/21

Registration Renewal

Form:

URA Application Form (Renewal)

Agency Fee:

$545 for certification. There is no fee for 'registered' applicants.

Due:

Biennially by the date of issuance.

Notarize:Required
Required Attachments:
  • Categories of personnel as noted in 28 TAC § 19.1706 and 28 TAC § 19.2006
  • Appeal of adverse determination acknowledgement and template letters
Fact Checked:2/18/21

Individual Licenses

Texas Individual Financial Services Licenses

Texas Insurance Agent License

Agency:Texas Department of Insurance
Fact Checked:12/31/20

Initial Registration

This section applies to insurance agents that are applying for a license in Texas for the first time.

Agency Fee:

$50 for most.

Fact Checked:6/1/17

Registration Renewal

Agency Fee:

$50

Due:

Biennially by the last day of initial registration month

Fact Checked:12/31/20

Learn about insurance licensing in other states:

Adjuster - A person or firm that is paid to adjust, investigate, and negotiate claim settlements. There are 3 categories of adjusters: company, independent, and public. Company adjusters work for insurance companies and investigate claims on behalf of the company. Independent adjusters investigate claims on a contractual basis for insurance companies. Public adjusters investigate claims on behalf of claimants, usually to determine the amount of money that can be claimed.

Agent in Charge - A licensed individual responsible for the supervision of all individuals within an insurance agency. The agent in charge must be licensed in the same lines as the agency.

Insurance Agent - Insurance agents act as intermediaries between the insurance company and policyholders. Agents can be either captive or independent. Captive agents represent a single insurance company, while independent agents represent multiple insurers.

Insurance Broker - Individuals who sell insurance policies while representing the interests of the buyer. Brokers are typically independent intermediaries without an insurance company affiliation.

Insurance Producer - May be used to refer to either individual insurance agents and brokers or insurance agencies and brokerages.

Managing General Agent - An agent or broker that is involved in underwriting and has other areas of authority normally handled by insurers. MGAs are typically involved in unusual lines of coverage or in geographically prohibitive areas.

Surplus Lines Insurer - An insurance carrier that takes on risks that a licensed carrier is unwilling to insure. Surplus lines insurers do not have access to state guaranty funds and are less tightly regulated by state governing bodies.

Third Party Administrator - An organization that manages group insurance policies and works with the employer and insurance carrier to process claims, handle loss control, and provide risk management and consulting services.

Title Agent - Title agents sell insurance that protects real estate owners against loss of ownership of a property due to a legal claim.

Viatical Settlement Provider - A company that purchases life insurance policies at a discount from individuals seeking immediately available funds.

Independent Insurance Agents and Brokers of America (Big “I”)
Advocacy group of independent insurance brokers and agents.

National Association of Insurance and Financial Advisors (NAIFA)
Professional association that advocates for favorable regulatory conditions for insurance agents and financial advisors.

National Association of Insurance Companies (NAIC)
A standard setting and regulatory support organization that is governed by state insurance regulators.

National Association of Professional Insurance Agents (PIA)
Professional association that provides education and advocacy for insurance agents throughout the United States.

National Insurance Producer Registry (NIPR)
An affiliate of the NAIC that provides streamlined and uniform producer licensing processes.

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