Course Description

3 Hour Ethics for Insurance Agents – Texas

Approved by the Texas Department of Insurance (TDI) | Provider #233452 | Course ID #145607 ✅
Only $19.99 — No added or extra fees (the $3.90 TDI filing fee is already included)

Meet your Texas Ethics requirement the fast, affordable way. This 100% online, self-paced course lets you log in and out anytime, finish on your schedule, and download your certificate instantly. We report your hours to TDI within 24 hours. With 10+ years serving thousands of licensees, 1st Choice CE keeps your renewal simple and transparent.

Who Should Take This Course?

This course is designed for Texas resident and nonresident insurance producers/agents in all major lines who need the Ethics requirement for renewal. If your license requires CE in Texas, you need Ethics—this course provides 3 hours toward that mandate.

Texas CE & Renewal — What to Know

• Most producers must complete 24 total CE hours every 2 years, including at least 2 hours of Ethics.

• Ethics hours count toward your 24-hour total (they’re not in addition).

• TDI assesses a $1.30 per CE hour filing fee. Many providers add this at checkout; your $19.99 price already includes the full $3.90 for this 3-hour course.

• Keep your certificate for your records; we handle the state reporting.

How to Renew (Step-by-Step)

Step 1 — Know your total hours.
Plan for 24 CE hours in your 2-year cycle, including 2 hours Ethics.

Step 2 — Complete this 3-Hour Ethics course online.
Self-paced on any device; your progress is saved automatically.

Step 3 — Get your instant certificate.
Download immediately after completion.

Step 4 — We report for you.
We submit your credits to TDI within 24 hours.

Step 5 — Renew your license with TDI.
File your renewal by your due date and retain your certificate.

What You’ll Learn — Course Outline (3 Hours Total)

(From the attached syllabus; timed to the Texas 50-minute hour.)

Hour 1 — Core Ethical Duties of the Insurance Producer
Client’s best interest vs. compensation/carrier pressure; conflicts of interest & disclosures; truthful advertising and fair comparisons; ethical recommendations & replacements (avoid twisting/churning); protections for seniors & vulnerable clients; cultural competence and nondiscrimination.

Hour 2 — Market Conduct, Compliance Foundations & Records
Unfair trade practices & inducements; privacy, data ethics, and cybersecurity for NPI/PHI; AML and fraud-red-flag response; ethical documentation & 5-year+ record retention; complaint handling & corrective action; supervision/training/delegation ethics.

Hour 3 — Ethics Across Lines & the Client Lifecycle
Life & annuities (suitability/best-interest documentation); health/Medicare & disability (networks, formularies, total cost clarity); personal lines P&C (adequacy vs. price, endorsements/exclusions); small-business/commercial transparency; post-sale duties, renewals & life-event reviews; ethical use of technology/AI/comparative raters.

Why Choose 1st Choice CE?

✅ TDI-Approved (Provider #233452, Course #145607)
✅ $19.99 flat — no extra fees (includes the $3.90 TDI filing fee)
✅ 100% Online & Mobile Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ State Reporting Within 24 Hours
✅ Money-Back Guarantee
✅ Support by Call or Text — 1-800-698-2770

 

See Our Other Texas Insurance Online Courses

✅ 3-Hour Insurance Ethics — Texas ($19.99, no extra fees)
✅ 3-Hour Flood Insurance (NFIP) — Texas ($19.99, no extra fees)
✅ 4-Hour LTC Partnership — Ongoing Training — Texas ($19.99, no extra fees)
✅ 4-Hour Annuity Best-Interest/Suitability — Texas ($19.99, no extra fees)

FAQ — Texas Insurance CE (applies to Ethics, Flood (NFIP), LTC Partnership Ongoing, and Annuity Best-Interest)

✅ Does this course count toward my 24 total CE hours in Texas?
Yes. Each course awards the stated number of CE hours and counts toward your 24-hour, 2-year requirement. Ethics satisfies the Ethics portion; LTC Partnership Ongoing satisfies the ongoing 4-hour LTCP refresher; Annuity Best-Interest satisfies the one-time 4-hour annuity training; Flood (NFIP) counts as general CE.

✅ Do I also need product-specific training from carriers?
Sometimes. Annuities almost always require insurer product-specific training in addition to this NAIC best-interest course. Some carriers may also require product modules for LTC. Check your carrier/GA appointment requirements.

✅ Is the TDI filing fee included in the price?
Yes. Texas charges $1.30 per CE hour. Your $19.99 price already includes the filing fee ($3.90 for 3-hour courses; $5.20 for 4-hour courses). No added or extra fees.

✅ How fast do you report my credits to TDI?
Within 24 hours of completion. You’ll also receive an instant certificate for your records.

✅ Is the course 100% online and self-paced?
Yes. You can log in and out anytime from any device and your progress is saved.

✅ Are there quizzes or a final exam?
You’ll see brief knowledge checks to reinforce learning. If a final assessment is presented, you’ll have unlimited retakes and clear feedback.

✅ When should I complete CE relative to my renewal date?
Complete all required CE before your license expiration so TDI has your credits on file when you renew.

✅ Does Ethics have to be a separate course?
Texas requires at least 2 hours of Ethics within your 24 hours. Our 3-Hour Ethics course covers that requirement and counts toward your total hours.

✅ Is the Annuity Best-Interest training one-time or recurring?
One-time (4 hours) under the NAIC Best-Interest model—complete it before soliciting/selling annuities. Carrier product-specific training may recur per insurer rules.

✅ How often is LTC Partnership training required?
After the initial 8-hour course, Texas requires 4 hours of Ongoing LTC Partnership training every 24 months. Our LTC course fulfills that ongoing requirement.

✅ Do nonresidents licensed in Texas qualify?
Yes. Resident and nonresident Texas licensees can take these courses; credits are reported to TDI the same way.

✅ What if plans change—do you offer a guarantee?
Yes. We offer a money-back guarantee and friendly support by call or text at 1-800-698-2770.

Course Details

• Approved by Texas Department of Insurance
• Approved Provider #233452
• Approved Course #145607
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.