Education

    Below is some information about Agent Continuing Education Requirements from the

    Texas Department of Insurance website.

    CONTINUING EDUCATION COURTESY NOTICES

    The Texas Department of Insurance Agent and Adjuster Licensing Division is enhancing efforts to ensure that licensed persons are able to meet their required continuing education (CE) obligations under Texas Insurance Code Chapter 4004.  Postcard notifications will be mailed out to license holders prior their renewal deadline to remind each agent that they may have additional CE hours to complete.  Notices will be mailed out to the licensee’s last known mailing address.

    Select the link here for more information regarding the CE COURTESY NOTICES.

    DISCLAIMER: TDI does NOT suggest or recommend courses by certifying them; nor is the quality of a course assured because it is certified. We strongly suggest that when you take a poor course, e-mail us, and tell your associates. Please do the same with the good courses. Use this email link: CE@tdi.texas.gov

    Interactive list of certified continuing education courses, to look up a provider, to get a course list for a specific kind of course, or to check a particular course’s information.

    Agent & Adjuster Home

    Requirement for Most Licensees: Licensees holding any combination of licenses for LAH, PC, MGA, LH Counselors, and adjusters of all types including public adjusters, must earn 30 hours of continuing education (CE) with 2 hour of ethics/consumer protection included within the 30 hours for each 2 year licensing period.

    Limited Lines and County Mutual licensees must earn 10 hours of CE with 2 hour of ethics/consumer protection included within the 10 hours for each 2 year licensing period.

    You can look up courses at www.Sircon.com/Texas by clicking on “Look up Education courses/Credits” on the left-hand column. Regardless of the license type you hold only half of the CE requirement may be done as self study.  License holders can now verify that their Texas CE credit is current and has been posted to their Sircon CE transcript.  The transcript may be viewed at www.Sircon.com/Texas by clicking on “Look up Education courses/Credits” in the left-hand column.

    Please be aware that your CE compliance is not based off your expiration date of your license.  Pursuant to the Texas Insurance Code §4004.051 (b) your required CE hours must be completed no later than the day prior to your expiration date of license.

    Please note that to maintain your license, whether or not you are using it, you must meet your continuing education requirements.

    There is no continuing education “grace period”. Once the expiration date has passed, a violation exists. CE cannot be made up after the expiration date. The fine for not doing the required continuing education is $50 per deficient hour. Call 512.322.3503 for a payment voucher to accompany your payment, which will clear the violation.

    Before consulting a general course list, you may wish to see if any company you represent or a professional association you belong to is a provider. Passing a part of many professional designation programs is a way to earn credit. A professional designation program is defined in the rules. It is (A) nationally recognized in the insurance industry, and is (B) issued by an entity that maintains a not-for-profit status and has been in existence for at least five years.

    Up to four hours of continuing education credit can be earned by an agent who is an active member of a state or national insurance association. For information about how the credit can be earned, you can review Chapter 4004.0535 of the Texas Insurance Code and §19.1011 and new §19.1020 of the Texas Administrative Code. The rule adopting the new provisions can be viewed from the following location on our website: http://www.tdi.texas.gov/rules/2005/1229C-059.html.

    “Qualifying” courses, not certified by TDI, may also be used for credit. Qualifying courses are insurance courses that are: (A) offered for credit by accredited colleges, universities, or law schools; or (B) part of a national designation certification program; or (C) approved for classroom, classroom equivalent, or participatory credit by the continuing education approval authority of a state bar association or state board of public accountancy; or (D) certified or approved for continuing education credit under the guidelines of the Federal Crop Insurance Corporation.

    The following table summarizes the continuing education requirements for license holders:

    Continuing Education Requirements by License Type

    The table below summarizes the continuing education requirements for license holders:

    For all licenses issued or renewing on and after September 1, 2015, which formerly required 30 hours of continuing education (CE) during each license period, only 24 hours of continuing education is required for each license period.  Licenses expiring before September 1, 2015, will have to complete 30 hours of CE.

    For all licenses issued or renewing on and after November 1, 2015, completion of the 24 hours of CE is required for a licensee to renew his license.  If a licensee does not complete the 24 hours of CE before the expiration date of the license, the licensee will have 90 days to complete the deficient number of hours and pay a fine of $50 per deficient hour.  If these two conditions are not met within 90 days of the license expiring, the license will be inactivated, and the licensee will have to apply for a new license.  A new license will not be granted until the deficient CE hours are completed and the fine is paid.  In order to ensure that there is no delay in renewing a license, license holders are encouraged to complete CE hours at least 30 days before the license expires to allow time for the CE provider to report the successful completion of the course(s) to TDI.

    All Licensees:

    At least half the hours must be classroom or "classroom equivalent". There are only two topic groups, "General" and "Ethics". Any licensee may take courses from these two groups. Courses are not divided by license type.

    Full Time Home Office Salaried Employees:

    Insurers whose plan of operation contemplates the use of these employees are responsible for their training. If insurer wishes to do the training in house, it must be a registered provider. Find information on t he CE Course Provider Information page.

    What Counts as Credit Toward CE Requirements?

    Typically, credit is earned by taking courses that have been approved by TDI from registered course providers. Each course will indicate the number of hours and whether any count toward the ethics requirement.

    Other ways to earn CE credit:

    Passing a part of many professional designation programs is a way to earn credit. A professional designation program is defined in the 28 TAC §19.1010. It is (A) nationally recognized in the insurance industry, and is (B) issued by an entity that maintains a not-for-profit status and has been in existence for at least five years.

    Up to four hours of continuing education credit can be earned by an agent who is an active member of a state or national insurance association. For information about how the credit can be earned, review Chapter 4004.0535 of the Texas Insurance Code and §19.1011 and new §19.1020 of the Texas Administrative Code. The rules adopting the provisions can be viewed here; 28 TAC §§19.1011, 19.1020 and 19.1021.

    "Qualifying" courses, not certified by TDI, may also be used for credit, as described in 28 TAC §19.1010. Qualifying courses are insurance courses that are: (A) offered for credit by accredited colleges, universities, or law schools; (B) part of a national designation certification program; (C) approved for classroom, classroom equivalent, or participatory credit by the continuing education approval authority of a state bar association or state board of public accountancy; or (D) certified or approved for continuing education credit under the guidelines of the Federal Crop Insurance Corporation.

    Exemptions from, and extensions of time for a licensee

    to complete CE hours are possible, under very limited circumstances. The key to an extension being granted is proper documentation of a circumstance described in the rule that is beyond the licensee's control. Examples include a long term illness, or military service in a theater of war. Reasons related to business or work load are never acceptable. Documentation is also important when claiming an exemption from continuing education hours if our records do not show current eligibility.

    The 20 years of licensure needed to qualify for an exemption must be CONTINUOUS (no breaks greater that 90 days) and the license must be held under the Texas Insurance Code. To request an exemption from completing CE hours, or an extension of time to complete CE hours, submit TDI form FIN517, Application for Licensee Exemption or Extension form.

    Useful Tools to Find Courses, View Your Transcript, etc. - at your fingertips

    Useful information is available from the Sircon/Compliance Express - Look up education courses/credits menu, including the following:

    • Continuing Education Transcript Inquiry to view your transcripts to verify that Texas CE credit is current and has been posted to your CE transcript

    • Pre-licensing Education Transcript Inquiry to view the transcript of an individual who does not have their license yet

    • Course Offerings Inquiry to find available courses. You set the search parameters, such as city and dates to locate available courses.

    • Approved Courses Inquiry to obtain listings of approved courses. You set the search parameters, such as instruction method, course category, course hours, etc.

    • Approved Providers Inquiry to obtain a list of all providers in Texas. You set the search parameters by region, provider name, or both.

    • CE Exemption or Extension Request to submit an electronic application requesting an exemption from CE hours, or to request an extension of time to complete required hours

    • Ask a question, complain about a provider/course, or comment about this page  CE@tdi.texas.gov

    License 

    General Lines - Life, Accident, Health, and HMO (LAH)

    General Lines - Property and Casualty (PC)

    Life Agent

    Personal Lines Property and Casualty Agent

    Managing General Agent (MGA)

    Adjusters and Public Adjusters

    Life/Health Insurance Counselor

    Insurance Service Representative (ISR)

    Full time Home Office Employee

    County Mutual

    Life Insurance Under $25,000

    Limited Lines Agent

    Funeral Prearrangement

    Requirement per two-year renewal period

    24 hours, including 2 hours of ethics

    24 hours, including 2 hours of ethics

    24 hours, including 2 hours of ethics

    24 hours, including 2 hours of ethics

    24 hours, including 2 hours of ethics

    24 hours, including 2 hours of ethics

    24 hours, including 2 hours of ethics

    24 hours, including 2 hours of ethics ; courses submitted to TDI for approval by insurer prior to use

    24 hours, including 2 hours of ethics; courses submitted to TDI for approval by insurer prior to use

    10 hours, including 2 hours of ethics

    10 hours, including 2 hours of ethics

    10 hours, including 2 hours of ethics

    none


    Approved CE Courses

    Please click here to see the latest list of approved CE Courses


    Small Group Specialist

    The value of your membership has just increased 

    If you have taken the Small Employer Health Benefit Plan Specialty Certification (SB79) 8 hour CE, passed the exam and are a member of either TAHU or NAHU, then you can now earn the Small Group Specialist DESIGNATION (SGS)!  

    TO QUALIFY TO RECEIVE THE DESIGNATION: 

    If licensed in Texas, the agent must be a member in good standing of TAHU. If licensed in another state, the agent must be a member in good standing of NAHU. 

    The agent must have completed the Texas Small Employer Health Benefit Plan Specialty Certification continuing education course, if a Texas agent, or hold one of the approved designations of Registered Employee Benefits Consultant (REBC), Registered Health Underwriter (RHU) or Certified Employee Benefit Specialist (CEBS) as specified in Texas statute SB79. 

    The agent must abide by all requirements of Texas Insurance Code Sec. 1501.351 (c) to "offer and explain to a small employer on inquiry and request by the employer each health benefit plan established by the commissioner … 

    The agent must complete the required application and pay the required fee to TAHU. The initial designation fee is $100 and the renewal fee, per license period, is $50. 

    Designation as a Small Group Specialist will be given only to agents who have taken and passed the classroom examination of the required continuing education course presented by an instructor.  

    RENEWAL REQUIREMENTS: 

    TDI requires that all agents who wish to maintain the Small Employer Health Benefit Plan Specialty Certification must complete in each reporting period following the reporting period in which the licensee completed the initial 8 hour certification course or qualified by designation (REBC, RHU or CEBS), at least 5 hours of department certified small employer health benefit plans continuing education. There is no examination required for the 5 hour course. TAHU is an approved provider (#32408) for the 5 hour continuing education course, "Small Employer Health Specialty Certification-An Update", Course #87291, 5 credit hours. Once you have taken this renewal course, you may renew your SGS designation by completing an application and submitting the appropriate fee. 

    You may not use the SGS designation until the paperwork has been processed by TAHU's Executive Director, Kellie Merritt and you have received a confirmation email. Allow up to 60 days for processing.

    Download the Small Group Specialist Designation Application

    If you have any questions, please contact us at admin@tahu.org.


    Speakers Bureau

    The TAHU speakers bureau is available to present the latest topics on Healthcare. Topics range from updates on legislative changes, wellness and new group healthcare product offerings. The speakers bureau is made up of the TAHU Executive Committee and experts in various areas of expertise.

    • Rusty Rice                           (210) 366-8055        rrice@avesis.com

    • Louanne Trebing               (972) 271-8717       louannet@verizon.net

    • Joanna Antongiovanni      (210) 249-2398        joanna@worthamsa.com

    • Misty Baker                         (512) 472-6733       misty@mistybaker.com

    • Kelly Fristoe                        (940) 322-6277       kfristoe@wf.net

    • Travis Middleton                (713) 932-7777       tmiddleton@tmia.biz

    • Ron Buffum                         (512) 671-8400       buffpru@aol.com

    • Mark Bellman                     (512) 347-2764       mark_bellman@uhc.com

    • Reid Rasmussen                (972) 814-7887

    • Carol Bailey                         (214) 850-9912

    • Andra Grava                       (972) 774-9663

    • Jacqueline St. Hilaire         (972) 308-6201

    • Rosemary Deininger         (972) 454-4512

    • Gentrie Pool                       (817) 454-9304         gentrie.pool@sterlingadministration.com


    Designations, Certifications, & Recognition Programs

    NAHU has partnered with  The American College ,  America’s Health Insurance Plans , and the  Corporation for Long-Term Care Certification  to offer members discounted registration fees and/or online course opportunities for a number of professional insurance designation programs.

    DESIGNATIONS

    REGISTERED HEALTH UNDERWRITER (RHU)

    The Registered Health Underwriter (RHU) designation is the undisputed professional credential for persons involved in the sale and service of disability income and health insurance. Individuals earning the RHU designation demonstrate a high level of knowledge about the principles and practices governing the disability income and health insurance business.

    NAHU is passionate about helping its members expand their knowledge and opportunities. We can help you reach new levels of success with our online Registered Health Underwriter (RHU) classes. Learn more

    REGISTERED EMPLOYEE BENEFITS CONSULTANT (REBC)

    The program focuses on providing the student with the knowledge necessary to become a professional in the sale and service of employee benefits plans. Individuals earning the REBC designation develop an understanding of the various types of group benefits and retirement plans, and the practical knowledge needed for choosing and/or designing the best benefits package that will meet the client’s needs. Learn more

    DISABILITY INCOME ASSOCIATE (DIA)

    A DIA designation means that participants have acquired knowledge of the health care industry and the role of disability income insurance in protecting individuals from the financial losses that often attend serious physical injuries and other severe health afflictions. Upon completion of this course of study, students will understand the fundamentals of the health insurance industry, the role of disability insurance within the health care continuum, and recent disability trends.

    Students will also gain knowledge of both federal and state government disability programs, including Social Security Disability Insurance (SSDI) and state temporary disability income programs. Those achieving the designation will understand employer-sponsored disability programs ranging from sick leave benefits to long-term disability income plans, including their tax consequences and tax planning considerations. Students will also become aware of ways individuals can supplement government- and employer-sponsored programs through private disability income insurance. In addition, those completing the designation will gain insight into the role of disability income insurance in retirement, estate, and long-term care planning. Learn more

    CERTIFIED IN LONG TERM CARE (CLTC)

    You’ll get the best training in the business from the industry’s education leaders. The National Association of Health Underwriters (NAHU) has partnered with the Corporation for Long-Term Care Certification (CLTCC) as a promoter and co-sponsor of the Certified in Long-Term Care, (CLTC) program.

    The CLTC program is a designation program focused on LTC. The program was begun in 1999 and to date has produced more than 8,000 graduates. The CLTC course is foundationally about “planning” for long-term care. The program is offered in a 2-day Master Class format that is broken down into eight multi-disciplinary sections. Learn more

    EMPLOYEE HEALTHCARE BENEFIT ASSOCIATE (EHBA)

    In the face of increasing medical costs, American workers continue to seek convenient and affordable health insurance coverage through their employers. Most employers want to provide an attractive benefit package while holding down rising costs in order to effectively meet the challenge of intensifying completion from both here and abroad.

    Legislators have recognized this challenge and taken steps to help employers meet it. The result is an expansion of benefit planning options that employers can combine in different ways to meet the needs of their employees. These options – premium only plans (POPs), flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), and health savings accounts (HSAs) – are the subject of these courses. The student will learn how each of them function, what features and advantages it offers, what potential drawbacks it has, what tax benefits it provides, and what regulatory requirements it must meet. Benefit from an in-depth look at retirees and their need for health care funding. Learn how traditional programs, including Medicare, are changing, and learn new options to fill the gaps. Learn more

    CERTIFICATION PROGRAMS

    NAHU also offers a number of certification programs which provide advanced training and actionable information that brokers can use to assist their clients. The certification will serve as a distinction for producers as credentialed experts in their area of study.

    TRAINING ON MEDICARE ADVANTAGE AND PART D PRESCRIPTION DRUG PLANS

    In light of the intense scrutiny of Medicare marketing activities, and the pressure that we feel from Congress, beneficiary groups, and other stakeholders, as well as the increasingly stringent requirements established by CMS, NAHU and its partners have launched a new online training program. For more information on training for brokers, agents and plan-staff marketing, visit the Medicare Training page.

    CDHC

    NAHU has created a new consumer-directed health care certification course. The four-hour course provides technical, actionable information that can be used to help clients consider fast-evolving plans and implement them. For further details and to enroll in the next upcoming session, visit the CDHC Certification page.

    WELLNESS

    NAHU has created a new Wellness certification course. The two-hour course helps clients to address controllable behaviors and guidance on plan implementation. For further details and to enroll in the next upcoming session, visit the Wellness Certification page.

    LTC PARTNERSHIPS

    As a result of the Deficit Reduction Act of 2005, state long-term care partnership programs are expanding. The Center has released the new Long-Term Care Partnership Programs: Understanding Needs, Solutions, and Ethical Considerations course. To learn more about this program and special member rates, visit theLong-Term Care Training page.

    RECOGNITION PROGRAMS

    NAHU has developed two programs to recognize the achievement of our members. The first recognizes excellent sales results and the second recognizes significant contributions to our association.

    LEADING PRODUCERS ROUND TABLE (LPRT)

    NAHU formed the Leading Producers Round Table in 1942 to recognize the successful underwriters of Accident & Health Insurance. Today, the LPRT committee is committed to making LPRT the premier program for top Health, Disability, Long-Term Care and Worksite Marketing Insurance producers, carrier reps, carrier management, and general agency/agency managers. Through the hard work of the LPRT committee members, LPRT will offer new membership benefits, exclusive LPRT events, and new categories and qualification requirements. Learn more

    PRESIDENT’S TRIPLE CROWN PROGRAM

    NAHU has 20,000 members across the country; you are the reason we exist. Your participation in lobbying and advocacy is the reason we’ve become a force in Washington and in state houses across the country. Your recruitment efforts are why membership is up 33% over the past five years. Your contribution of your time and talents is why we have over 200 chapters across the country.

    We never want to take these efforts for granted because, without you, we would suffer the fate experienced by countless other nonprofit associations: declining numbers, shaky finances and a demoralized membership.

    NAHU created the President’s Triple Crown Program to recognize those members whose individual contributions to NAHU help advance the association’s mission. Like baseball’s Triple Crown, it recognizes accomplishments in three key areas. However, while baseball’s Triple Crown hasn’t been won since 1967, NAHU’s Triple Crown can be won every year by hundreds of our members. Learn more