Texas continuing education for life and health agents

Continuing education is a reliable two- or three-question cluster on the Texas law section. The numbers are few, which makes them easy points once memorized.

Questions and answers, explained

All 5 questions above, with the correct answer and why it is correct. Everything here is on texas continuing education for life and health agents.

1. How many hours of continuing education must a Texas general life, accident, and health agent complete during each license period?

   • A30 hours
   • B12 hours
   • C24 hoursCorrect
   • D40 hours

   Why: TIC 4004.053 requires 24 hours of continuing education per license period for the general life, accident, and health license, and someone holding several such licenses still needs only 24 hours in total. Limited-lines licensees complete 5 hours a year instead.

   Reference TIC 4004.053 — Texas outline I.C.4

2. Of the continuing education a Texas agent completes each license period, how many hours must be in ethics?

   • ASix hours
   • BNone; ethics is optional
   • COne hour
   • DThree hoursCorrect

   Why: TIC 4004.054 requires every individual licensee to complete three hours of continuing education in ethics during each renewal period. Those hours count toward the 24-hour total.

   Reference TIC 4004.054 — Texas outline I.C.4

3. What portion of a Texas agent's required continuing education hours must be completed in a classroom or a department-approved classroom-equivalent setting?

   • AAll of it
   • BAt least 50 percentCorrect
   • CNone; self-study alone satisfies the requirement
   • DAt least 25 percent

   Why: TIC 4004.051(c) requires at least 50 percent of all required continuing education hours to be completed in a classroom setting or a classroom-equivalent setting approved by the department.

   Reference TIC 4004.051 — Texas outline I.C.4

4. Which Texas agent is exempt from the continuing education requirement by statute?

   • AOne who has continuously held an agent license for at least 20 yearsCorrect
   • BOne who is at least 65 years old, regardless of experience
   • COne who sells only for a single insurer
   • DOne whose sales in the past year were under $10,000

   Why: TIC 4004.052(b) exempts an individual who has continuously held an agent license for at least 20 years. Separately, the department may grant an extension or exemption for illness, medical disability or another circumstance beyond the agent's control on a timely written request.

   Reference TIC 4004.052 — Texas outline I.C.4

5. A Texas agent's license period ended without her completing all required continuing education. What does TIC 4004.055 say about renewal?

   • AThe license is permanently revoked with no way to reapply
   • BShe must retake and pass the licensing exam before the department will consider renewal
   • CRenewal is barred unless she finishes within 90 days after the period ends and pays any fineCorrect
   • DIt renews automatically, and the missing hours simply carry over into the next two-year period

   Why: TIC 4004.055 bars renewal when the licensee fails to complete the continuing education by the 90th day after the licensing period ends or fails to pay an applicable fine. Finishing the hours late is not a defense to discipline for the failure to complete them on time.

   Reference TIC 4004.055 — Texas outline I.C.6

Drill the whole domain

• Texas Statutes and Rules Common to Life and Health (10.8%)

Other topics

• Texas agent licensing: temporary license, appointment and renewal
• Texas unfair practices: rebating, twisting, defamation and discrimination
• Texas prompt claim payment deadlines
• Texas Life and Health Insurance Guaranty Association limits
• Texas required life insurance policy provisions
• Health policy uniform provisions, with the Texas numbers
• Replacing life insurance and annuities in Texas
• Texas health insurance mandates, Medicare supplements and the ACA
• Texas HMO rules for the life and health exam

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