California Insurance Prelicensing Requirements

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CALIFORNIA INSURANCE PRELICENSING INFORMATION

California requires potential agents take and complete a state approved prelicensing course before taking their licensing exam.

In combination with the required hours per line of authority, you must take and complete 12 hours of Code and Ethics. You must only complete this requirement once.

 

LINE OF AUTHORITYREQUIRED HOURS OF STUDY
 
Life*20 hours
Accident and Health or Sickness*20 hours
Casualty 20 hours
Property20 hours
Property/Casualty*40 hours
Personal Lines*20 hours
Limited Lines Automobile Agent*20 hours
Code and Ethics*12 hours
Life (includes Code and Ethics)*32 hours
Accident and Health or Sickness (includes Code and Ethics)*32 hours
Life, Accident and Health or Sickness (includes Code and Ethics)*52 hours
*ExamFX offers these courses. A state reporting fee of $6.00 per course will be charged when you place your order.

HOW DO I COMPLETE MY EXAMFX PRELICENSING EDUCATION COURSE?

To earn your certificate of completion, you must:

  • Spend the total amount of the required hours in the course study materials. Time spent within the courses will be tracked by a mass timer.
  • Complete all Study by Topic reading units and Study by Topic Quizzes.

DON'T FORGET YOUR GUARANTEE EXAM!

ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you don’t pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

HOW DO I GET MY LICENSE?

Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue a certificate of completion which you may download and print from your online ExamFX account.

Step 2: Schedule your exam with your state’s testing provider, PSI Exams. The fastest way to schedule your exam is to do so online at www.psiexams.com. You can also schedule your exam over the phone at (833) 518-7456. Your exam may be taken at a physical PSI examination center or via a remote online proctored exam.

Security measures are taken for all testing methods. Restrictions on what you may bring with you to the testing center, into the testing room, and what you may wear will be enforced. For more detailed information about the security measures that will be taken during your testing appointment, please read and review the candidate bulletin offered at PSI Exams

Be aware that the state of California requires fingerprinting and background checks with your insurance agent licensing application. Fingerprinting requirements may be met before the exam is taken or at the exam site at the time of your appointment. You have three fingerprinting options:

 

  1. PSI EXAMINATION SITES: Technicians are on site at PSI examination locations. Fees will be charged at the time of the testing appointment and covers the Federal Bureau of Investigation processing fee, Department of Justice processing fee, and the service fee charged by PSI Exams.
  2. CALIFORNIA DEPARTMENT OF INSURANCE EXAMINATION SITES: Accurate Biometrics, a fingerprint vendor, is available at CDI examination sites to fingerprint candidates. A fee will be charged and covers the Federal Bureau of Investigation processing fee, Department of Justice processing fee, and the service fee charged by Accurate Biometrics. The fee must be paid directly to Accurate Biometrics
  3. LOCAL LIVE SCAN VENDORS: A listing is available on the Department of Justice website which contains the approved live scan vendors, broken down by county and processing fees.

 

Fingerprinting is an important part of the licensing process. ExamFX highly recommends completing your fingerprinting requirement at or before the time of your exam as it will help ensure efficient processing of your licensing application.

Step 3: Take and pass your state licensing exam. On the day of your appointment you must bring with you one valid form of government issued identification (driver’s license, passport, military I.D., etc.) that must contain your name and photograph. If you cannot provide the required identification, call (833) 518-7456 at least 21 days prior to your scheduled appointment. You will not be able to take your exam if these requirements are not met.

Security measures are taken at the testing site. Restrictions on what you may bring with you to the testing center, into the testing room, and what you may wear will be enforced. For more detailed information about the security measures that will be taken during your testing appointment, please read and review the candidate bulletin offered at PSI Exams.

Once you have passed your examination you will receive an examination letter. Keep this, as it is important in the licensing process.

Step 4: Apply for your license online at Sircon or NIPR. Go to Sircon or NIPR to create an account and then submit your application. You may use the Check License Application Status Service (CLASS) to check the status of your license application.

Step 5: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.

WHAT WILL MY EXAM BE LIKE?

Your exam experience is dependent on the line of authority you are testing for. Carefully review the below examination breakdowns to learn important factors like:

 

  1. the number of questions on your exam
  2. the time limit
  3. the subjects that you will be tested on
  4. the score that you must achieve to pass the exam

 


California Life-Only Agent Examination

75 Questions - 90 Minutes
Passing score: 60%

CHAPTERNUMBER OF QUESTIONS ON THE EXAM
 
General Insurance22 (30%)
Basic Insurance Concepts and Principles9
Contract Law6
The Insurance Marketplace7
Life Insurance49 (65%)
Life Insurance - Basics8
Types of Life Policies10
Annuities8
Life Insurance and Annuities – Policy Replacement4
The Individual Life Insurance Contract10
Taxation of Life Insurance and Annuities3
Group Life Insurance Plans2
Social Security Disability Program1
Social Security Disability Program1
Individual Underwriting, Pricing, and Claims3
Life Policy Riders4 (5%)

Train for your test with our California Life exam prep course.


California Accident and Health Agent Examination

75 Questions - 90 Minutes

CHAPTERNUMBER OF QUESTIONS ON THE EXAM
 
General Insurance18 (25%)
Basic Insurance Concepts and Principles7
Contract Law4
The Insurance Marketplace7
General concepts of Medical and Disability Insurance4 (5%)
Medical Expense Insurance45 (60%)
Individual Insurance14
Group Medical Expense Insurance8
Patient Protection and Affordable Care Act (PPACA)8
Senior Health Products15
Disability Income Insurance4 (5%)
Long-Term Care Insurance4 (5%)

Train for your test with our California Health exam prep course.


California Property Broker-Agent Insurance Examination

75 Questions - 98 Minutes
Passing Score: 60%

CHAPTERPERCENTAGE OF EXAM
 
General Insurance (Including Property Insurance)31%
Personal Lines Insurance38%
Homeowners Insurance Valuations2%
Commercial Insurance Coverages29%

California Casualty Broker-Agent Insurance Examination

75 Questions - 98 Minutes
Passing Score: 60%

CHAPTERPERCENTAGE OF EXAM
 
General Insurance (Including Casualty Insurance)31%
Personal Lines Insurance31%
Commercial Insurance Coverages38%

Train for your test with our California Property and Casualty exam prep course.


California Limited Lines Auto Examination

60 Questions - 105 Minutes
Passing Score: 60%

CHAPTERPERCENTAGE OF EXAM
 
General Insurance15%
Property Insurance5%
Personal Auto Insurance80%

Train for your test with our California Limited Lines Automobile exam prep course.


California Personal Lines Broker-Agent Insurance Examination

90 Questions - 135 Minutes

CHAPTERPERCENTAGE OF EXAM
 
General Insurance (Including Property Insurance)35%
Personal Lines Insurance63%
Homeowners Insurance Valuations2%

Train for your test with our California Personal Lines exam prep course.


I FAILED MY EXAM. NOW WHAT?

We are sorry to hear that you have failed your first attempt at passing your state’s licensing exam. These licensing exams are difficult and some candidates must try again to reach their goal. We want to help you get there, so we recommend that you:

Step 1: Be aware of retake limitations and rules. In California, a candidate that fails any insurance licensing examination ten times within the previous 12 month period is barred from taking the same exam for a period of 12 months. For instance, an candidate taking the life-only examination eight times and a combination life and accident/health or sickness examination two times in the same 12-month period will have reached the ten examination limit for taking any life agent examinations will not be able to retake a life agent examination until the waiting period has been satisfied.

Step 2: Reschedule your exam. You must re-register by following the initial registrations and scheduling steps.

Step 3: ExamFX’s subject matter experts are available by email at [email protected] to help you pass your licensing exam on your next attempt. Many testing providers will supply you with a score report or performance summary after your testing appointment. Use this report to let the ExamFX subject matter experts know what areas of the exam that you are struggling the most with.

Step 4: Study your materials. ExamFX materials are created by analyzing the exact testing outline supplied by your testing provider or Department of Insurance. This means that all the information that you need to pass your exam is within your course. Be confident that with more studying, you can pass your licensing exam and achieve your goals!

For licensing questions:
California Division of Insurance
Tel. (800) 967-9331
E-mail: http://www.insurance.ca.gov/0200-industry/0200-prod-licensing/0400-other-info/0800-questions-answers/education/continuing-ed/email.cfm
Website: http://www.insurance.ca.gov/

For questions about the examination:
PSI Services LLC (PSI)
PSI
E-mail: [email protected]
Phone: (833) 518-7456

The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to make sure that the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their states requirements.


Register for your California insurance prelicensing exam prep here:

Register Now