California Insurance License Requirements – Life, Property & Casualty

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If you’re interested in pursuing an insurance career in California, it’s crucial to understand the licensing requirements. In this article, we’ll provide you with all the information you need to know about obtaining your California insurance license, including pre-licensing courses, the licensing exam, fingerprinting, and the application process. Let’s dive in!

1. Complete an Insurance Pre-Licensing Course

To qualify for the California insurance license, you must first complete the mandatory pre-licensing course. Kaplan offers comprehensive pre-licensing courses that have a high pass rate, ensuring you’re equipped with the knowledge needed to succeed.

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Pre-Licensing Education Hour Requirements

The number of hours required for pre-licensing education varies depending on the line of authority you’re pursuing. Here’s a breakdown of the minimum requirements:

  • California Code of Ethics and Insurance: 12 hours
  • Life: 20 hours
  • Accident and Health: 20 hours
  • Life/Accident & Health: 40 hours
  • Property: 20 hours
  • Low: 20 hours
  • Property and Casualty: 40 hours
  • Personal Lines: 20 hours

It’s important to note that the 12-hour California Insurance Code and Ethics course is only required once, even if you’re applying for multiple licenses.

Online Course Requirements

When taking the pre-licensing course online, California mandates certain requirements:

  1. Time Tracking: You must track your study time online. Your progress will be displayed on the top right corner of your page.
  2. Forced Progression: You’ll need to complete each page of the online course before advancing to the next.

Pre-Licensing Education Exemptions

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If you hold any of the following designations or certifications, you’re exempt from the pre-licensing education requirements:

  • Only Life, Accidents, and Health: CLU®, LUTCF
  • Fire and Casualty, and Personal Lines: CPCU®, CIC, AAI

It’s essential to note that even if exempt from the pre-licensing education requirements, you must still complete the 12-hour California Insurance and Ethics Code course.

2. Pass Your California Licensing Exam

Once you’ve completed the pre-licensing course, it’s time to take the California licensing exam. Kaplan’s pre-licensing content is specifically designed to align with the state licensing exams, ensuring your success on the first attempt.

Certificate of Completion Requirements

After passing the pre-licensing course, you’ll receive a certificate of completion. Keep a duplicate copy for your records and submit the original certificate with your license application. These certificates are valid for three years from the date of course completion.

Test Provider: PSI

For licensing exams, PSI offers the option of taking a remote online proctored exam. This provides flexibility, especially in light of COVID-19 restrictions. To schedule your exam or learn more about PSI licensing exams, visit their website at www.psiexams.com or call (833) 518-7456.

Frequently Asked Questions about the California License Exam

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If you have any questions about how to prepare for the licensing exam, exam record, test day, security procedures, or scoring, refer to the frequently asked questions section provided by the California Department of Insurance.

3. Obtain Fingerprints

To expedite the issuance of your license after passing the exam, it’s recommended to get fingerprinted early. You can schedule your fingerprints through Accurate Biometrics, the contracted fingerprint vendor for the California Department of Insurance. Call (866) 361-9944 to find a fingerprint location near you. Make sure to bring the completed Live Scan Application (Lic Form 442-39A) with you.

4. Apply for a California Insurance License

Once you’ve successfully passed the state licensing exam, you’re ready to apply for your California insurance license. To complete the online license application, follow the instructions provided. During this process, you’ll be assigned a National Producer Number (NPN), which is a unique identifier used to track individuals and business entities nationwide.

5. Plan for Required Insurance Continuing Education (CE) Credits

To maintain your insurance license in California, you’ll need to fulfill the continuing education requirements. Stay ahead of the competition by enrolling in a Kaplan CE Library, which offers unlimited access to courses for 365 days.

Please note that the information provided is based on state laws and regulations, which are subject to change. While Kaplan Financial Education strives to ensure the accuracy of this information, it’s crucial to seek professional advice for any legal matters.

Now that you’re equipped with all the necessary information, you can confidently embark on your journey to obtain your California insurance license. Good luck!

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