A Texas agent lets his license expire and, 90 days later, still has not completed continuing education, paid the deficiency fines, or renewed. Under TIC 4003.006-.007, what is the status of the license?

Why C is correct

Under the license expiration and renewal provisions of Texas Insurance Code Chapter 4003, a license that has been expired for 90 days without the required continuing education, deficiency fines and renewal is cancelled, and at that point the agent cannot renew but must file a new application and meet the current licensing requirements. The 90-day window is what separates a late renewal from a cancelled license, so an agent who is short on hours should renew and pay the deficiency fine rather than wait and lose the license.

Why the other options are wrong

• A) The consequence is cancellation, not a suspension that ends when the term would have ended.
• B) Completing the hours late does not reinstate a cancelled license; the agent must reapply.
• D) Renewal is not available indefinitely; once 90 days pass without compliance the license is cancelled.

Memory hook

90 days late without CE, fines and renewal means cancelled, start over.