A Texas general lines agent must complete 24 hours of continuing education during each 2-year license term. Under TIC 4004.051-.054 and 28 TAC 19.1001-.1030, how many of those hours must be in ethics?

Why B is correct

Under the continuing education requirements at TIC 4004.051-.054, implemented by 28 TAC 19.1001-.1030, a general lines agent completes 24 hours of continuing education each 2-year license term, and at least 3 of those hours must be in ethics. The ethics hours sit inside the 24 rather than being added to them. An agent who finishes 24 hours of technical coursework with no ethics carries a deficiency even though the total hour count looks correct, so ethics should be scheduled first.

Why the other options are wrong

• A) The ethics minimum is 3 hours and not 2; the 2 in this rule is the length of the license term in years rather than an hours figure.
• C) 10 hours is the reduced total requirement that applies to limited lines, county mutual and life licenses for policies not exceeding the stated amount; it is not the ethics minimum.
• D) 24 hours is the total requirement for the term; ethics is a component of that total rather than the whole requirement.

Memory hook

24 hours a term, and 3 of them are ethics counted inside the 24.

Why C is correct

Under TIC 4004.051-.054 and 28 TAC 19.1001-.1030, continuing education is not just an hour count: at least 3 of the hours completed each term must be in ethics, and the classroom minimum is a separate requirement that does not substitute for ethics content. An ethics-deficient term leaves the renewal incomplete, so the agent must make up the credit and may face the deficiency fine under 28 TAC 19.1016.

Why the other options are wrong

• A) Meeting the classroom minimum satisfies that separate rule only; it does not supply the required ethics hours.
• B) Ethics hours are required for every continuing education term, not exclusively for the first renewal.
• D) The code imposes a content requirement as well as an hours requirement, so the total alone does not satisfy it.

Memory hook

24 hours total, half in class, and 3 of them must be ethics — three separate hurdles.