How to Start Your Career as a Life Insurance Agent in Texas

May 28

The insurance industry is one of the most rewarding and profitable career paths available today. Not only do you earn a living, but you also make a lasting impact on families by helping them protect what matters most.

If you’re in Texas and considering a career as a life insurance agent, here’s a simple step-by-step guide to getting started.

1. Understand the Role of a Life Insurance Agent

A life insurance agent’s job is more than selling policies. You’ll be:

Educating families about their financial options.
Helping them protect their income, homes, and legacies.
Building long-term client relationships.
Growing your own book of business.

It’s a career that combines sales, financial education, and community service.

2. Meet the Licensing Requirements in Texas

To legally sell life insurance in Texas, you must first be licensed. Here’s how:

Complete Pre-Licensing Education: Texas requires pre-licensing courses (online or in-person) covering insurance basics.
Pass the State Exam: The Texas Department of Insurance requires you to pass a multiple-choice exam.
Fingerprinting & Background Check: You’ll need to complete a fingerprint scan for licensing approval.
Apply for Your License: Submit your application through the Texas Department of Insurance.

3. Choose the Right Agency or IMO

This step can make or break your success. Many new agents struggle because they don’t have the right mentorship or carrier access. Look for an agency that offers:

Training & Support (scripts, marketing, lead systems).
Multiple Carrier Contracts (so you can offer clients the best options).
Mentorship from experienced agents.

At Covenant Coverage Group, we focus on equipping new agents with everything they need to succeed, from day one.

4. Learn the Products

To truly serve clients, you need to understand the difference between:

Term Life – affordable coverage for a set period.
Whole Life – permanent coverage with guaranteed premiums.
IULs (Indexed Universal Life) – flexible policies with cash value growth potential.
Final Expense – simple, affordable coverage for seniors.

The better you know these products, the more confident you’ll be when meeting with clients.

5. Build Your Marketing & Lead System

Even the best agents struggle without a system for finding clients. Successful agents:

Leverage social media to share educational content.
Network with community organizations and local businesses.
Use referrals and word of mouth.
Partner with agencies (like ours) that provide lead support and proven systems.

Final Thoughts

Starting your career as a life insurance agent in Texas can open the door to financial independence and personal fulfillment. But you don’t have to do it alone.

📞 For New Agents: If you’re ready to start your insurance career with mentorship, training, and a supportive team, contact Covenant Coverage Group today. We’ll guide you every step of the way. Text the word “AGENT” to 903-222-1937.

Chris Patrick