On this page, you will find all of the state-specific information for Insurance CE in the state of California. Show
California Department of Insurance Consumer Hotline: 1-800-927-4357 (HELP) 1-800-482-4833 (TTY) Licensing Hotline: 1-800-967-9331 California Low Cost Automobile Program: 1-866-602-8861 Send an email: https://cdiapps.insurance.ca.gov/contactus/default.aspx Website: http://www.insurance.ca.gov/ Headquarters Offices: Sacramento Office 300 Capitol Mall, Suite 1700 Sacramento, CA 95814 San Francisco Office 45 Fremont Street, 23rd Floor San Francisco, CA 94105 Los Angeles Office 300 South Spring Street, South Tower Licensees who solicit individuals for annuities sales must complete 8-hour California-specific annuities course. After completing this training, producers must complete 4 hours of training on California annuities every license renewal period thereafter. This requirement is part of and not in addition to the regular continuing education requirements. Accident and health agents who solicit individuals for the sale of Long-Term Care (LTC) Insurance must complete an eight-hour LTC course prior to selling LTC insurance. Additionally, newly licensed agents must complete eight (8) hours of LTC training every year for the first four years that they are licensed (without duplicating a course during the same license term). Beginning in the fifth year that they are licensed, licensees are required to complete eight hours of LTC training every two-year license term. Agents who will be involved in the sale or marketing of long-term care insurance policies certified by the California Partnership for Long-Term Care, are required to complete eight (8) hours of general long-term care continuing education (CE) and 8 hours of classroom only CE specifically on the California Partnership for Long-Term Care prior to the marketing of any Partnership certified policies/certificates. After the initial education requirement has been met, agents are required to repeat eight (8) hours of classroom training on the Partnership each two-year license approval period. Flood RequirementsThis state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum 3 hours of training requirements established by FEMA and the National Flood Insurance Program. All Other State RequirementsResident Requirements Life and/or Accident/Health agents must complete 24 hours biennially, including 3 hours of ethics Fire & Casualty broker-agents must complete a minimum of 24 hours during the two-year license period including 3 hours in ethics. All licensed agents and adjusters who have an ethics requirement are required to complete 3 hours of ethics. Personal lines licensees must complete a minimum of 24 hours during the two-year license period including 3 hours in ethics. Approved courses must be completed for the license of insurance held by the licensee. This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program. Variable Contracts is a sub-line or authority attached to the Life license line. Also requires FINRA registration. Homeowners Valuation Training: California Property/Casualty broker-agents who sell homeowners insurance must complete an approved course on Homeowners Valuation prior to transacting homeowners insurance. This training is a one-time requirement. Non-Resident Requirements Licensed non-resident producers who comply with the continuing education requirements of their resident state are exempt from the California continuing education requirement. However, non-residents are required to comply with the annuities and the LTC training requirements. Course Repetition Course repetition is not permitted within the compliance/renewal period. Course Requirements Bio data/security questions - This state requires the use of bio-data questions to confirm you are in fact the intended user and that it was you that completed the course. To successfully complete the course, these questions must be answered correctly when asked. Forced progression - This state requires the user to successfully complete each page of the online course before being allowed to proceed to the next. Exam Rules Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes. Period Requirements Renewal date is the last day of the license issuance month, biennially. Personal Lines renewal is 12/31 biennially. Carryover Criteria Requirements Carryover of CE hours is permitted. Excess credits in ethics may not be carried over. Reporting Requirements Sponsors have 30 days from course completion to report credits. Need license number to report. State Reporting Fees: The CA Department of Insurance requires a course reporting fee of $.65 per credit hour (online, self-study and classroom courses). This state reporting fee will be automatically charged to you (on the last credit card used in your account) each time you complete an online, self-study, or classroom course. Exemptions Experience Any person who is 70 years of age or older, and has been licensed in good standing for 30 continuous years is exempt from completing continuing education to renew his/her Life and/or Fire & Casualty license. However, the licensee must still satisfy the California LTC requirement to sell long-term care insurance, as well as the annuities training in order to sell annuity products. Professional Designation Credit earned in order to satisfy the following programs may be applied for insurance CE credit:
Acceptable Training Methods
Notice This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.
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If you’re interested in becoming a health insurance agent, one of the first things you need to do is take the licensing exam required by your state regulator. In California, that’s the California Department of Insurance (DOI). In Nevada, it’s the Nevada Division of Insurance (a part of the Department of Business and Industry). Below are six steps that put you well on way to your new career. You will need a license in every state where you do business. You can choose a business entity or individual license. In California, there are more than 30 types of license classifications issued by the Producer Licensing Bureau in the Department of Insurance. If you’ll be selling health insurance, you’ll need an Accident and Health Agent (A&H) license or a Full Life Agent license (which includes Life, Accident, and Health). With an A&H license, you are generally allowed authority in California to sell products offering coverage for sickness, bodily injury, or accidental death (that may include disability income benefits). The licensee may also transact 24-hour care coverage and Long Term Care insurance. Important Resource Links: Individuals applying for a license in many states must furnish a complete set of fingerprints, which may be shared with law enforcement authorities, including a state repository for criminal records and the Federal Bureau of Investigation. California and Nevada both require fingerprinting prior to taking the license examination – even before submitting your license application. Here are the California guidelines on fingerprinting:
• If you would like to have your fingerprint impressions taken before your license examination, you may schedule your fingerprint impressions using the California Department of Insurance (CDI) contracted fingerprint vendor by calling Accurate Biometrics at (866) 361-9944, to find a fingerprint location near you. When you go to have your fingerprint impressions made, please take with you a completed Live Scan Request, form LIC 442-39A.
• At the time you take the license examination at the designated site, you may also have your fingerprint impressions made.
• While it is subject to change, the current total processing fee for the fingerprint impressions taken at the exam site is $58.30, which includes the FBI processing fee of $17.00, Department of Justice (DOJ) processing fee of $32.00, and the CDI’s contractor’s rolling fee of $9.30. An applicant may pay by money order, cashier’s check, personal check, or credit card (VISA, MasterCard, American Express, or Discover Card). Cash is not accepted.
• At PSI test centers, the fingerprint vendor will also have an authorized technician available to complete the fingerprint impression requirement. At these facilities, the total processing fee for the fingerprint impressions taken is $68.95, which includes the FBI processing fee of $17.00, DOJ processing fee of $32.00, and a rolling fee of $19.95. The $68.95 fee is to be paid at the PSI test center. Payment may be made via VISA or MasterCard or money order, cashier’s check, or company check payable to PSI. Personal checks and cash are not accepted at PSI’s test centers.
• The DOJ maintains a listing of authorized Live Scan Fingerprinting Vendors available to California resident license applicants. Applicants using a vendor on this list will need to pay a fingerprint fee that covers the following services: FBI processing fee of $17.00, DOJ processing fee of $32.00, and an additional rolling fee charged by the DOJ-authorized vendor. The rolling fee will vary depending on the vendor and is noted on DOJ’s listing of authorized Live Scan Fingerprinting Vendors. License applicants are encouraged to contact the Live Scan provider in advance to verify current operating hours, location, fees, and the acceptable method of payment. More information on fingerprinting for California resident licensing can be found at the California Department of Insurance . In Nevada, all individuals applying for a resident license must furnish a complete set of fingerprints and attach a completed Fingerprint Background Waiver to the application. Applicants must pay a processing and agency fee for this service. Applicants may have their fingerprints taken by a law enforcement agency or authorized vendor. LiveScan Digital Fingerprints, also used in California, is the preferred resource for fingerprint processing. LiveScan Digital Fingerprinting services are also conveniently available through Pearson VUE, the Nevada resource for testing. (See below.) Applicants may register to have fingerprints taken at the same time they register for the Nevada state exam. Although subject to change, the current LiveScan fingerprinting fee is $36.25 plus the vendor’s processing fee. Applicants will be provided a receipt that indicates the date the prints were submitted to the Nevada Criminal History Records Repository. An applicant must provide the receipt to the Nevada Division of Insurance upon request. Applicants who utilize hard copy fingerprint cards may experience delays due to the time required to manually process a paper filing. They must also provide a money order or cashier’s check in the amount of $36.25 made payable to the Department of Public Safety (DPS). Hard copy prints must include the printed name, signature, address, Social Security Number, date of birth, place of birth, weight, height, sex, hair color, citizenship, and home and business addresses of the person being fingerprinted as well as the date fingerprinted and signature of official taking fingerprints. Nevada fingerprint reservations may be made by calling 1-866-761-8069. More information and a list of fingerprinting vendors for Nevada resident licensing can be found at the Nevada Division of Insurance STEP 3: PREPARE FOR YOUR INSURANCE LICENSING TESTCalifornia requires a minimum of 20 hours of approved pre-licensing study. A new resident applicant who had a current Accident and Health license in another state within the last 90 days and has a current non-resident license in California – or an applicant holding a Life Underwriter Training Council Fellowship (LUTCF), Chartered Life Underwriter (CLU), Certified Insurance Counselor (CIC), Certified Employee Benefit Specialist (CEBS), Fellow, Life Management Institute (FLMI), Health Insurance Associate (HIA), Registered Employee Benefits Consultant (REBC) or Registered Health Underwriter (RHU) designation – is exempt from the 20 hours of pre-licensing education. California also requires 12 hours of approved pre-licensing on code and ethics. Nevada has a similar requirement. Candidates must satisfactorily complete an approved course of education (of 20 hours) in each field of insurance for which they plan to be licensed. STEP 4: TAKE YOUR INSURANCE LICENSING TESTYou must be at least 18 years of age and you must pass your state’s resident or non-resident licensing exam to earn a license. The exam is multiple choice, closed book. In California, PSI Services, LLC, a California-based company providing state-based regulatory licensure services, handles the scheduling of examinations for individuals. Individuals may schedule their examinations with PSI either online or by telephone. PSI offers more than 20 sites statewide where individuals may take their qualifying license examination and provide the required fingerprints. Visit the California Department of Insurance for more information on PSI. Here are some frequently asked questions about the California application process that you may also have when getting started. In Nevada, Pearson VUE is the Insurance Division’s only authorized testing vendor. Appointments may be made up to one calendar day prior to the day you wish to test, subject to availability. You can review the Pearson VUE scheduling options for Nevada here. Testing times vary from about two hours to about three and one-half hours, depending on the license for which you’re applying. On the day of the exam, you’ll want to arrive 20 to 30 minutes early and bring two forms of identification (ID) that include a signature. Your name on the ID must exactly match the name on your registration. The primary identification must be government-issued and photo-bearing ID with a signature, and the secondary identification must also contain a valid signature. (Identification must be in English.) Generally, acceptable, non-expired primary IDs (with photograph and signature) include: • Government-issued Driver’s License • U.S. Dept. of State Driver’s License • U.S. Learner’s Permit (plastic card only with photo and signature) • National/State/Country ID card • Passport • Passport Card • Military ID • Military ID for spouses and dependents Acceptable, non-expired secondary IDs (with a signature) include: • U.S. Social Security card • Debit (ATM) or credit card • Any form of ID on the primary ID list above STEP 5: GET BONDED/E&O COVERAGEAfter you’ve earned your license, you will need to secure professional liability insurance, also known as Errors & Omissions (E&O) coverage. This insurance protects you in your role as an advisor to your customers – in the event a negligence claim is made in connection with your client service. CalSurance® offers affordable E&O to Word & Brown brokers, and it takes just minutes to apply. Ask us for details, or go here for more information. STEP 6: CONTINUING EDUCATIONAfter you’ve earned your license, you usually need to earn Continuing Education Credits to maintain it. In California, you’re required to satisfactorily complete approved courses or programs of instruction or attend seminars equivalent to 24 hours of instruction during each two-year license period, including at least three hours of ethics training, before your license can be renewed. Nevada requires 30 hours of Continuing Education Credits every three years, including three hours of ethics courses. Word & Brown, our carrier partners, and the state and regional health underwriter associations offer a variety of CE courses throughout the year to help you meet your mandated licensing renewal requirements. To get information on courses, recorded webinars, and events, visit the Word & Brown Newsroom. HELP IS AVAILABLEWord & Brown is committed to helping individuals who want to enter the exciting – and evolving – world of health insurance sales. To learn more about how you can get started, visit our Future Brokers webpage or contact any of our six regional offices in California and Nevada. If you are interested in using an online course to prepare for your license exam, Word & Brown offers a 20% discount through the Mike Russ Financial Training Centers; ask us for details.
For a sneak peek at what you can expect to earn as an insurance agent, get a copy of our “Insurance Broker Salary Guide.”
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