California Life And Health Insurance Licensing

Earn Your California Life and Health Insurance License With Our California L&H Pre-Licensing Courses And Exam Prep Materials!

California Life and Health Licensing Examination Requirements

• The application process for an agent license does not require sponsorship by an insurer
  
• Candidates for an insurance license must be 18 years of age or older
  
• California residency is not required
  
• Submit fingerprints and undergo basic background check
  
• Candidates must complete an approved California pre-licensing course; This requirement may be met in either a Classroom or Online format; 12 hours of Ethics is required for all licenses
  
• Candidates must pass the required examination for licensure within 3 years of the completion of the prelicensing course

• Unlicensed candidates must complete an approved 52-hour prelicensing Classroom, or Online course
  
• Candidates who hold another insurance license or have previously completed the Ethics 12-hour requirement may complete the California 40-hour Life and Health Classroom, or Online prelicensing course
  
• Prelicensing Course Exemption - Applicants who hold the Chartered Life Underwriter (CLU) or LUTCF designations are exempt

California Life and Health Licensing Examination Requirements

• General Insurance
• Basic Insurance Concepts and Principles
• Contract Law
• The Insurance Marketplace
• Life Insurance
• Life Insurance - Basics
• Types of Life Policies
• Annuities
• Life Insurance and Annuities - Policy Replacement
• The Individual Life Insurance Contract
• Taxation of Life Insurance and Annuities
• Group Life Insurance Plans
• Social Security Disability Program
• Social Security Disability Program
• Individual Underwriting, Pricing, and Claims
• Life Policy Riders

• General Insurance
• Basic Insurance Concepts and Principles
• Contract Law
• The Insurance Marketplace
• General Concepts of Medical and Disability Insurance
• Medical Expense Insurance
• Individual Insurance
• Group Medical Expense Insurance
• Patient Protection and Affordable Care Act (PPACA)
• Senior Health Products
• Disability Income Insurance
• Long-Term Care Insurance

Recommended CA Life And Health Insurance Courses And Exam Prep Materials

Top FAQs

How Do I Become An Insurance Agent In California?

You must take your state-required pre-licensing course, then pass your state's licensing exam. After passing your exam, you typically must meet any basic state requirements such as a minimum age, passing a background check, etc.

What Is An Independent Agent?

If you work for a firm like AllState, you sell their produsts only. As an Independent Agent, you can sell products from several companies.

How Is An Independent Agent Compensated?

Independent Insurance Agents typically earn commissions for selling various insurance products.

How Long Does It Take To Complete My California Insurance Licensing Course?

In California, it takes 40 hours to complete your state's required pre-licening course for life, accident, health and sickness.

What Is On The CaliforniaInsurance Licensing Exam?

The exam will cover both a general section with basic insurance product knowledge and a state section with specific insurance laws, rules, regulations, and practices that are unique to California. 

How many questions are on the California Insurance Agent licensing exam?

Life, Accident & Health or Sickness exam is 3 hours with 150 questions

What Is The Pass Rate On Your California Insurance Agent licensing exam?

The passing rate will vary depending on the test you take and the state you are in. The National Association of Insurance Commissioners publishes data on pass rates by exam and by state showing a 60-70% pass rate for all exam takers, but with our courses over 90%!

How Much Does It Cost To Get An Insurance License In California?

The fee for each attempt of the exams is $88, plus a $33 convenience fee ($121 total) for each “combined producer exam”

Contact Information - California Insurance Licensing

To help with your examination scheduling, we have provided below information on California licensing requirements, its insurance department, and examination scheduling facilities.

California Department of Insurance
Address: P.O. Box 1139 | Sacramento, CA 95812-1139
Phone: 800.967.9331
Fax: 916.327.6907
Email: license.bureau@insurance.ca.gov
Website: http://www.insurance.ca.gov

For Examination Scheduling
Provider: PSI Exams
Phone: 1.800.733.9267
Website: https://candidate.psiexams.com/catalog/displayagencylicenses.jsp?catalogID=337

Education Requirements For A CA Life And Health License

In the state of California, you must complete 52 hours of pre-licensing education prior to sitting for the state exam. This includes 40 hours for Life and Health, and 12 hours of Ethics.

To earn the license, you simply need to choose your preferred pre-licensing course from the list below. Once you have successfully completed the course, you will receive a certificate of completion. That certificate is what you need to be able to schedule and sit for your state exam. To schedule your state exam, you will contact PSI Exam testing centers (1-800-967-9331) to find a location near you. Please note that it is suggested that you register at least two weeks in advance.

If you prefer, after you have completed your pre-licensing life and health insurance courses in California, you can contact PSI Exams online to schedule your test.

Before you take your exam, you must submit to fingerprinting and a background check. A technician on-site will do this for a $68.95 fee. If you are taking your exam at a CDI rather than a PSI site, you will have your background check performed by Accurate Biometrics for a $59 fee.

Make sure you bring a valid form of government-issued picture ID along with your certificate of California life and health pre-licensing course completion or you will not be permitted to sit for the exam.

After your pass the exam, you will receive a 12-digit ID number that you will use to apply for the license using the Fast Licensing Application Service, or FLASH, online. Good luck passing your California Life & Health insurance licensing exam!

Other Insurance Licensing Courses For California:

• Life And Health Insurance Licensing
• Property & Casualty Insurance Licensing
• Adjuster Licensing
• How To Earn An Insurance License And Become An Insurance Agent

Disclaimer

This information is based on state laws and regulations, and is subject to change. ABTrainingCenter makes every effort to make sure this information is current and accurate, however, ABTrainingCenter is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.