California State Requirements


Required Continuing Education Hours

Life-Only and/or Accident and Health Producers

24 CE hours, including 3 hours of ethics, are required every 2 year license term. California also has category restrictions. Producers planning to sell the following products have special training or education requirements:

Annuities

  • Initial 8-hour training requirement: Before selling annuities in California, producers must complete an initial 8-hour, state-approved annuity training course.

  • Ongoing 4-hour training requirement: After completing the initial 8-hour training requirement, producers continuing to sell annuities must complete a 4-hour, state-approved annuity CE course in every 2-year license term following the initial 8-hour training completion.

Long-Term Care (LTC)

  • Initial 8-hour LTC training requirement: Before selling LTC insurance products in California, producers must complete an initial 8-hour, state-approved LTC training course.

  • Important Notice: In order to solicit/sell long-term care insurance in California, agents need to hold a current license as a Life Accident and Health Insurance Agent, and they must comply with the LTC 8-hour training requirements. If holding a Life-Only Agent license, agents may sell LTC only as an LTC rider on a full life policy, and must also complete the 8-hour training requirements.

  • Ongoing 8-hour LTC training requirement: After completing the initial 8-hour training requirement, producers licensed 4 years or less must complete 8 hours of state-approved LTC training annually for the first 4 years of licensure. (See Course Repetition Rules below for important information.) Producers licensed more than 4 years must complete 8 hours of state-approved LTC training in every 2-year license term.

Long-Term Care Partnership (LTCP)—Must be completed in a classroom

  • Initial LTC partnership training requirement: Before selling LTCP insurance products in California, producers must first complete 16 hours of state-approved LTC training. Of these 16 hours, 8 hours must be fulfilled in a state-approved classroom, and 8 hours must be fulfilled by taking a state-approved LTC self-study course.

  • Ongoing LTC partnership training requirement: After completing the initial 16-hour training requirement, LTCP insurance producers must complete 8 hours of state-approved LTCP training in every 2-year license term, which must be fulfilled in a state-approved classroom.

Life Settlement Broker

Individuals not licensed as a life agent or who have not held a life agent license for more than a year are required to complete 15 hours of education related to life settlements and life settlements transactions, prior to operating as a life settlements broker. Individuals already holding a life agent or life settlement broker license as of July 2, 2010 see CE exemptions below.

Property and/or Casualty Producers

24 CE hours, including 3 hours of ethics, are required every 2 year license term regardless of years licensed. California has category restrictions.

Producers planning to sell the following products have special training or education requirements:

Flood Training Requirement

All California fire and casualty producers who sell federal flood insurance policies must complete a one-time 3 hour course relating to National Flood Insurance Program (NFIP) training.

Homeowners Valuation Insurance

All California fire and casualty broker-agents and personal line broker-agents who negotiate or sell homeowners’ (HO) insurance will be required to complete a one-time 3-hour homeowners’ insurance valuation training course.

Dual Licenses:

Life-Only and/or Fire and Casualty Producers

24 CE hours, including 4 hours of ethics, are required every 2 year license term regardless of years licensed. California has category restrictions. Producers planning to sell the following products have special training or education requirements:

Annuities

  • Initial 8-hour training requirement: Before selling annuities in California, producers must complete an initial 8-hour, state-approved annuity training course in every 2-year license term following the initial 8-hour training completion.

  • Ongoing 4-hour training requirement: After completing the initial 8-hour training requirement, producers continuing to sell annuities must complete in every 2-year license term a 4-hour, state-approved annuity CE course.

Long-Term Care (LTC)

  • Initial 8-hour LTC training requirement: Before selling LTC insurance products in California, producers must complete an initial 8-hour, state-approved LTC training course.

  • Ongoing 8-hour LTC training requirement: After completing the initial 8-hour training requirement, producers licensed 4 years or less must complete 8 hours of state-approved LTC training annually for the first 4 years of licensure. (See Course Repetition Rules below for important information.) Producers licensed more than 4 years must complete 8 hours of state-approved LTC training in every 2-year license term.

Long-Term Care Partnership (LTCP)—Must be completed in a classroom

  • Initial LTC partnership training requirement: Before selling LTCP insurance products in California, producers must first complete 16 hours of state-approved LTC training. Of these 16 hours, 8 hours must be fulfilled in a state-approved classroom, and 8 hours must be fulfilled by taking a state-approved LTC self-study course.

  • Ongoing LTC partnership training requirement: After completing the initial 16-hour training requirement, LTCP insurance producers must complete 8 hours of state-approved LTCP CE annually for the first 4 years. Thereafter, producers must complete8 hours of state-approved LTCP training in every 2-year license term, which must be fulfilled in a state-approved classroom.

Flood Training Requirement

All California producers who sell federal flood insurance policies must complete a one-time 3 hour course relating to National Flood Insurance Program (NFIP) training.

Homeowners Valuation Insurance

All California fire and casualty broker-agents and personal line broker-agents who negotiate or sell homeowners’ (HO) insurance will be required to complete a one-time 3-hour homeowners’ insurance valuation training course.

Personal Lines Broker-Agents

24 CE hours, including 3 hours of ethics are required every 2 year license term. Producers planning to sell the following products have special training or education requirements:

Flood Training Requirement

All California personal lines broker-agents who also sell federal flood insurance policies must complete a one-time 3-hour course approved for National Flood Insurance Program (NFIP) flood training.

Homeowners Valuation Insurance

All California fire and casualty broker-agents and personal line broker-agents who negotiate or sell homeowners’ (HO) insurance will be required to complete a one-time 3-hour homeowners’ insurance valuation training course.

Limited Lines Automobile Insurance Producers

20 CE hours, including 3 hours of ethics are required every 2 year license term.

Independent or Public Adjusters

24 CE hours, including 3 hours of ethics every 2 year license term.

Nonresident CE Requirements

Nonresident producers selling annuities, LTC, LTC partnership, or flood products are required to complete the same special training/education requirements as resident producers.

License Term

  • Life and Health, Property and Casualty, Limited Lines: the license term is the last day of the license issuance month every 2 years. For example, if you were initially licensed on June 3, 2009 your renewal date would be June 30, 2011.

  • Personal Lines:

    • Licensed before Jan 1, 2009 - the license term is every ODD year on December 31st. If a personal lines broker-agent has an additional license(s) with a different renewal date, then all licenses will renew with the same license term as that of the original license issued.

    • Licensed after Jan 1, 2009 - the license term is the last day of the license issuance month every 2 years.

  • Independent and Public Adjuster:

    • Licensed before Jan 1, 2011-the license term is every EVEN year on May 31st.

    • Licensed after Jan 1, 2011-the license term is the last day of the license issuance month every 2 years.

  • Life Settlement Brokers:

    • For individuals not currently licensed as a life settlement broker and who do not hold a life agent license or have held the life agent license for less than one year, the license must be renewed on an annual basis. If the individual holds a life agent license, on the one year anniversary of the life agent license the life settlement broker becomes eligible for the two year life settlement notification. For step-by-step notification and application procedures click here.

    • For individuals not currently licensed as a life settlement broker, but who are licensed as a life agent for at least a year will need to pay the life producer notification fee of $128 to become a life settlement broker, which is good for a two year period. The license will need to be renewed on the same date as the life agent license expires. For step-by-step notification and application procedures click here.

    • Individuals licensed prior to July 2, 2010 as a life settlement broker who have also been licensed as a life agent for at least one year will be initially issued a two-year life producer notification of Brokering Life Settlements that corresponds with their life agent license. The life producer notification will need to be renewed on the same date as the life agent license expires.

    • Individuals licensed prior to July 2, 2010 as a life settlement broker who do not hold a life agent license or who have held a life agent license less than one year will be initially issued a one-year life settlement broker license. After one year they will either apply to renew the one-year life settlement broker license or if qualified, renew for a two-year life producer notification.

CE Subject Requirements

  • Category restrictions: A licensee must take courses approved for a line of insurance he or she is licensed to sell. Courses approved as life only can only be taken by producers with a life only or life, accident, and health license.

  • Any special requirement courses completed before a license has been issued will not be reported to the state until American Online Insurance School has received the correct license number from the student.

  • Course Presentation: Self-study online and paper, Classroom

  • Study requirements: Student should read the course material prior to taking the final exam.

Final Exam Requirements

  • Exam proctor requirements: Self-study final exams are open book. Students may refer to the course material as often as needed.

  • Exam rules: The final exam must be passed with a 70 percent or higher to receive credit. Students have unlimited retakes.

CE Carryover Allowance

Excess hours may be carried forward to the next year. Excess hours from an approved ethics, annuity or LTC course are carried over as general credit only.

Course Repetition Rules

A course may not be taken for credit more than once within a 2-year license term. Within the first 4 years of selling LTC products, producers may only repeat an LTC course every 24 months from the original course completion date.

Certificate of Completion

American Online Insurance School provides online, printable certificates of completion in California. Certificates of completion will be available to print online immediately after a final exam is passed. The licensee must keep a copy of each certificate of completion in his or her file for 5 years.

License Renewal Process

Agents can renew their license online HERE.

Agents can renew their license by paper using the paper Renewal Form.

Renewals are $136 and can be done before all required CE has been completed, but the renewal will not be fully processed until all required CE has been completed and reported to the Department of Insurance.

CE Exemptions

Licensees are exempt from continuing education if one of the following is true:

  • Individuals who have held a life agent license for at least one year or who obtained a life settlement broker license prior to July 2, 2010 are exempt from the 15 hour life settlement broker training course requirement. This does not include an exemption from the life agent CE requirement of 24 CE hours, including 3 hours of ethics.

  • The producer holds a nonresident license and does NOT sell annuities, LTC, LTC partnership, or flood products.

  • Nonresident adjusters

  • The producer holds only a cargo shippers license.

  • The producer is 70 years or older and has held a California insurance license in good standing for 30 years or more. This does not include an exemption from product specific training for LTC and Annuities.

  • The producer holds a life license and claims a funeral exemption (sells less than $15,000 of insurance).

Helpful Links

Check your license status

View your CE transcript

Renew your license online

California DOI

State Contact Information

California Department of Insurance
Phone: (800) 967-9331

Mailing Address:
California Insurance Department
License Bureau
320 Capitol Mall
Sacramento, CA 95814-4309

American Online Insurance School provides this information as a courtesy to individuals who are subject to continuing education (CE) as insurance agents and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither American Online Insurance School nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.


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