California Insurance License Types

Accident & Health or Sickness Agent Only  ||  Life Agent (Life Agent AND Accident & Health or Sickness Agent)  ||  Life Agent Only

Property & Casualty Broker-Agent (previously known as Fire & Casualty-Broker/Agent)   ||  Personal Lines

 License TypeLicense Description
Prelicensing Requirement
Accident & Health Agent Only
Authorized to transact insurance products providing coverage for sickness, bodily injury, or accidental death other products includes:  health insurance, disability, credit disability, and long term care for individuals and groups.
20 hrs Accident & Health
12 hrs CA Ethics & Code
 Life Agent
(Life Agent AND Accident & Health Agent)
Authorized to transact the products listed for the Accident & Health agent (above) and Life agent products (below).40 hrs Life Agent
12 hrs CA Ethics & Code
 Life Agent OnlyAuthorized to transact insurance products providing coverage on human lives including benefits annuities, and may include benefits in the event of death or dismemberment by accident and benefits for disability income.20 hrs Life Agent
12 hrs Ethics & Code
Property Broker-Agent and Casualty Broker-Agent
(formerly known as Fire & Casualty – Broker/Agent)
Authorized to transact insurance products including auto, commercial general liability, commercial property, crop, dwelling property, earthquake, flood, homeowners, indemnity, inland marine, liability coverage, and personal lines.  EXCEPT may not transact life and accident & health insurance.    40 hrs Property & Casualty Broker-Agent
12 hrs Ethics & Code
Personal LinesAuthorized to transact auto, residential property insurance, including earthquake and flood insurance, personal watercraft insurance and umbrella or excess liability insurance.20 hrs Personal Lines
12 hrs CA Ethics & Code

Most common types of licenses obtained:  Life, Accident & Health or Sickness Agent and Property & Casualty Broker/Agent. First time licensees are required to complete 12 hours of Code & Ethics along with product knowledge.

For more details on producer license types from the California Department of Insurance.

CA Licensing Exam Information

 License Type Number of Questions Time Allowed
 Accident & Health Agent Only  75 90 minutes
 Life Agent (Life Agent & Accident & Health Agent)  150 3 hours
 Life Agent ONLY  75 90 minutes
 Property & Casualty Broker-Agent (formerly known as Fire & Casualty Broker/Agent  150 3 hours
 Personal Lines  75  90 minutes

State Licensing Exam Proctor – PSI

Schedule your licensing exam with PSI.  Here is the link for dedicated page for California Department of Insurance Licensing Exams.

Here is the link to our video instructions.

On Site Testing vs.  Remote Testing

The California Insurance licensing exam is available on site at a PSI location or may be taken remotely at your office or home.  Watch our video to help you choose what is best for you.
 

Filing your Application – Tips from Quick Learning School

Upon completion of the required prelicensing courses, passing the licensing exam through PSI, fingerprints through LiveScan, and finally it’s time to file your application through Sircon.

Sircon Link to File CA Insurance License Application

When filing your application through Sircon, here are a few places where students get stuck:

Five years employment history requested on application – makes sure you account for all five years.  If you were unemployed, a student, caregiver, etc., make sure to record that in the employment history.  Any gaps in time on the application will prevent you from moving on to the next section.

Are you intending to act as a Variable Agent? Are you registered with the SECO or NASD (FINRA)? – Unless you have a securities license, you may check no.  When you get a securities license, then you will file to add the authority to transact “variable contracts”.

Do you intend to limit your activity to the sale of funeral and burial expense policies in accordance with section 1749.01 of the California Insurance Code?  If you intend to transact only specific life insurance policies or annuities having an initial face amount of fifteen thousand dollars ($15,000) or less that are designated by the purchaser for the payment of funeral and burial expenses, then the answer is yes; otherwise, NO.

BACKGROUND Questions – Yes, be sure to disclose everything defined on the application regardless of how long.


Updated 9/26/2023