Nobody wants to find out they missed a TDI deadline after the fact. Whether you're an agent tracking your CE credits, an adjuster keeping your license current, or a carrier managing annual filings, here's everything on the 2026 Texas insurance compliance calendar — in one place.
Bookmark this. We'll update it if TDI changes anything.
Agent & Adjuster License Renewals
Texas insurance licenses renew on a biennial (2-year) cycle, tied to your birth month. Your renewal window opens 90 days before expiration.
Key facts:
Renewal period: 90 days before your expiration date through the last day of your birth month
Late renewal: You have up to 90 days after expiration to renew late — but you cannot transact insurance during this period. Expect a $50/hour fine for each deficient CE hour (capped at $500/license).
After 90 days late: Your license goes inactive. You'll need to reapply and may need to re-test.
Renewal portal: TDI Online Licensing (via Sircon)
Continuing Education Requirements
Before you can renew, you must complete your CE:
License Type | Hours Required (per 2-year cycle) | Ethics or Consumer Protection Hours Required |
|---|---|---|
General Lines (P&C) | 24 hours | 3 hours |
Life, Accident & Health | 24 hours | 3 hours |
Personal Lines P&C | 24 hours | 3 hours |
Adjuster — All Lines | 24 hours | 3 hours |
Public Insurance Adjuster | 24 hours | 3 hours |
Surplus Lines | 24 hours | 3 hours |
County Mutual / Limited Lines / Life Under $25K | 10 hours | 3 hours |
Classroom rule: At least half of required hours must be classroom or classroom-equivalent.
Pro tip: DWC's CompCourses are now available on-demand and free. That knocks out several hours at zero cost.
CE reporting deadline: Complete CE before your expiration date. TDI recommends finishing at least 30 days early to allow provider reporting time. Retain certificates for 4 years — TDI audits cover 2 renewal periods.
20-year exemption: If you've held a TX license continuously for 20+ years (no breaks >90 days) and met CE every term, you can request an exemption via Sircon. Exception: even exempt licensees must complete CE for annuities, long-term care partnership products, and Medicare-related products.
New Applicants: Fingerprinting
All new license applicants must complete an FBI/DPS fingerprint background check via IdentoGO (expect fees in the low $40 range). Submit your initial application on TDI's portal, receive a service code via email, then schedule your IdentoGO appointment. Budget 2+ weeks for processing. Instructions
Carrier & Company Filing Deadlines
These are the big ones for insurance companies, MGAs, and surplus lines licensees doing business in Texas.
Annual Statement & Actuarial Filings
Deadline | What | Who |
|---|---|---|
March 1 | Annual Statement (NAIC format, prior year financials) | All TDI-licensed insurers |
March 1 | TX HMO Supplement / Overhead Assessment Exemption / Analysis of Surplus | Applicable insurers |
March 1 | Captive insurer actuarial opinion | Captive insurers |
March 15 | Actuarial Opinion Summary (AOS) | All insurers filing annual statements |
April 1 | RAAIS (Regulatory Asset Adequacy Issues Summary) | Life, P&C, title insurers |
April 1 | A&H Policy Experience Exhibit / Cybersecurity Supplement | Applicable insurers |
May 1 | RAAIS — Stipulated Premium Companies | Stipulated premium companies |
May 1 | Actuarial Memorandum availability deadline | Appointed actuaries |
May 1 | NAIC Combined Statement filing fee | All insurers |
Filed with: TDI Financial Filing Submission Portal AND NAIC (electronic filing). TDI Filing Smart
*Dates accurate under current NAIC/TDI filing instructions. Always confirm against the current year’s Filing Smart and 28 TAC 7.68 - TDI occasionally tweaks forms or dates.
Quarterly Statements
Deadline | Quarter |
|---|---|
May 15 | Q1 (Jan–Mar) |
August 15 | Q2 (Apr–Jun) |
November 15 | Q3 (Jul–Sep) |
Q4 is covered by the annual statement. Filed with TDI and NAIC.
Premium tax and maintenance tax are filed with the Texas Comptroller — not TDI. This trips people up.
Deadline | What |
|---|---|
March 1 | Annual premium tax return + payment (prior year) |
March 1 | Insurance maintenance tax report (Form 25-102) |
March 1 | Semiannual premium tax prepayment #1 (if prior year liability >$1,000) |
August 1 | Semiannual premium tax prepayment #2 |
Tax rate: 1.6% of taxable premium receipts for most P&C lines. Workers' comp is assessed separately. Surplus lines pay 4.85% (collected by the surplus lines stamping office). Maintenance tax rates published annually in Comptroller Publication 94-130. Comptroller insurance tax info
Surplus Lines
Deadline | What | Who |
|---|---|---|
March 1 | Annual surplus lines premium tax return | Surplus lines agents (filed with Comptroller) |
Within 60 days of placement | File surplus lines affidavit with SLTX | Surplus lines agents |
Monthly | SLTX stamping fee (0.04%*) — due end of month following invoice | Surplus lines brokers |
Ongoing | Report all surplus lines placements to SLTX | Surplus lines agents |
*Current as of publication - check SLTX for exact percentage.
Holding Company Filings
Deadline | What | Who |
|---|---|---|
~April 30 | Form B annual amendment (120 days after fiscal year end) | Holding company registrants |
~April 30 | Form C (material changes) + Form F (enterprise risk report) | Filed with Form B |
Every 5 years | Full restatement of Form B (years ending in 0 or 5) | Holding company registrants |
Workers' Compensation Deadlines
Texas has an opt-in workers' comp system (employers aren't required to carry it — but most do). DWC oversees the system.
Deadline | What | Who |
|---|---|---|
Feb 1 – Apr 30 | DWC Form-005: Employer Notice of No Coverage | Employers without WC |
Ongoing | Report all workplace injuries within 8 days | Employers |
Within 7 days of notice | Carriers must acknowledge WC claims | WC carriers |
Within 15 days | Carriers must begin paying or deny WC claims | WC carriers |
June 1 | Workers' comp rate filing deadline (for July 1 effective date) | WC carriers |
July 1 | NCCI loss cost filing effective date — 3.8% proposed decrease (Bulletin B-0001-26) | WC carriers using NCCI advisory rates |
Rate Filing & Market Conduct
Deadline | What | Notes |
|---|---|---|
Ongoing | P&C rate/form filings via SERFF | Prior approval, file-and-use, or use-and-file depending on line |
30 days before use | Personal auto and residential property rate changes | Prior approval required |
August 15 | TWIA annual rate filing deadline | TDI must respond by October 15 |
Ongoing | Market conduct annual statements | Required for carriers above premium thresholds |
2026 note: TWIA Board directed a 0% rate change filing for 2026 policies. Source
Data Calls & Special Filings
Deadline | What | Who |
|---|---|---|
February 6 | Annual P&C Data Call (2025 reporting period, Bulletin B-0016-25) | P&C carriers (farm mutuals and surplus lines exempt) |
May 15 | Independently procured insurance tax | Applicable policyholders (filed with Comptroller) |
Key Regulatory Changes Effective in 2026
These are already in effect or taking effect this year — make sure you're compliant:
HB 2067 — Written Denial Explanations (Effective 2026)
Carriers must now provide written explanations when they decline, cancel, or non-renew auto or home policies. They also must file quarterly reports with TDI summarizing declination reasons. Workers' comp is excluded. If your carrier isn't doing this, they have a compliance problem. Source
Proposed Ban on Tying Arrangements
TDI is moving to prohibit carriers from requiring clients to bundle home and auto as a condition of coverage. Not final yet — but review your carrier agreements now. Source
New Commissioner: Amanda Crawford
Amanda Crawford replaced Cassie Brown as Texas Insurance Commissioner in February 2026. New leadership often signals new enforcement priorities. Watch for directives from her office. Source
Active Rulemaking
Fire Sprinkler Rules — informal draft stage
TWIA Rules Reorganization — informal draft stage Check TDI Rules page for comment periods.
Monthly Quick-Reference Calendar
Month | Key Deadlines |
|---|---|
January | Finalize prior-year premium calculations; begin annual statement prep |
February | Annual P&C Data Call (Feb 6); Non-subscriber filing window opens (Feb 1); Complete annual statement review |
March | BIG MONTH: Annual statement (Mar 1); Premium tax (Mar 1); Maintenance tax (Mar 1); Surplus lines tax (Mar 1); Semiannual prepayment #1 (Mar 1); AOS (Mar 15) |
April | RAAIS (Apr 1); Supplemental filings (Apr 1); Holding company Form B (~Apr 30); Non-subscriber window closes (Apr 30) |
May | Q1 quarterly statement (May 15); Independently procured tax (May 15); Actuarial memo deadline (May 1); NAIC combined fee (May 1); CE push for May birthdays |
June | WC rate filing deadline (Jun 1); Storm season active |
July | NCCI loss cost effective (Jul 1); Mid-year compliance review |
August | Q2 quarterly statement (Aug 15); Semiannual prepayment #2 (Aug 1); TWIA rate filing (Aug 15) |
September | Year-end planning begins |
October | TDI response to TWIA rate filing (Oct 15); Review rate filing status |
November | Q3 quarterly statement (Nov 15); Begin annual statement planning |
December | CE deadline for Dec birthdays |
Free TDI Resources
TDI Agent Licensing Portal — renewals, CE status, license verification
CE Requirements — hours, ethics, exemptions, extensions
CompCourses (Free CE) — on-demand workers' comp training at no cost
TDI Bulletin Archive — all regulatory bulletins
TDI Financial Filing Portal — annual statements, quarterly filings
Workers' Comp Benefits Estimator — DWC calculator
File a TDI Complaint — consumer complaint process
Insurance Claim Deadlines — statutory response timelines
Key Contacts
Division | Contact |
|---|---|
Agent Licensing | |
Continuing Education | |
Financial Analysis | |
P&C Rate/Form Filings | |
Chief Clerk (Rules) | |
DWC Workers' Comp | 800-252-7031 |
SLTX (Surplus Lines) | 512-346-3274 / sltx.org |
TX Comptroller Insurance Tax |
This calendar is maintained by TX Insurance Regulatory Watch and updated as TDI publishes new deadlines. For informational purposes only — not legal advice. Always verify requirements directly with TDI or qualified counsel.
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