Insurance Pre-Licensing

Requirements

New Licenses

Prior to taking your licensing exam or getting licensed issued, you must complete a minimum of 20, 32 , 52 or 92 hours of classroom or on-line pre-licensing certification (Hours required are based on license being applied for)

Requirements for:

• Life Only Agent
  20 hours of pre-licensing instruction in Life, Annuities plus 12 Hours of Code & Ethics, theses required hours may be satisfied by completing an on-line or classroom California Department of Insurance approved pre-licensing course
• Accident & Health Agent
  20 hours of pre-licensing instruction in Health, Medical, Disability income, Long Term Care, Medicare Supplements, accidental death & dismemberment plans, plus 12 Hours of Code & Ethics, these hours may be satisfied by completing an on-line or classroom California Department of Insurance approved pre-licensing course
• Life & Accident & Health Agent
  40 hours of pre-licensing instruction in insurance for the following risks: human lives, benefits of endowment and annuities, Death Benefits, Dismemberment & Death by accident, Health & Medical benefits for Sickness, Bodily Injury, Disability Income, Long Term Care policies & Medicare Supplements Plus 12 Hours of Code & Ethics, these hours may be satisfied by completing an on-line or classroom California Department of Insurance approved pre-licensing course
• Limited Lines Automobile Insurance Agent
  20 hours of pre-licensing instruction in personal lines automobile insurance such as California financial responsibility, non-collision, collision coverage and motorcycle coverage; Plus 12 Hours of Code & Ethics, these hours may be satisfied by completing an on-line or classroom California Department of Insurance approved pre-licensing course
• Personal Lines Broker-Agent
  20 hours of pre-licensing instruction covering information about automobile insurance, residential property insurance, including earthquake, flood insurance, personal watercraft insurance and umbrella or excess liability insurance; Plus 12 Hours of Code & Ethics, these hours may be satisfied by completing an on-line or classroom California Department of Insurance approved pre-licensing course
• Broker - Agent Fire & Casualty
  40 hours of pre-licensing instruction covering information on 24-hour Coverage, Worker’s Compensation, Automobile Insurance, Commercial General Liability, Commercial Property coverage, Contractual Liability Insurance, Crop Insurance – Disability, Dwelling Property, Earthquake Insurance, Flood, Health, Home Warranty Insurance, Homeowners, Indemnity, Inland Marine, Plus 12 Hours of Code & Ethics, these hours may be satisfied by completing an on-line or classroom California Department of Insurance approved pre-licensing course

For individuals who are applying for both license Types; Life Agent & Broker-Agent, the requirement is 92 hours (40 hrs. of life & Health, 40 hrs of Property & Casualty Product knowledge and 12 hrs of Code & Ethics)

Please note: Broker-Agents who wish to obtain a life Only Agent Authority may file for Life only reducing Pre-licensing from 40 hrs to 20 hours total of 72 hrs. of Pre-licensing or an Individual wishing to only Sell Automobile Insurance may file for Limited Automobile Agent’s License or Personal Lines both License filing require 20 hours Product knowledge Plus 12 hrs of Code & Ethics

Current License Holder

• If individual was licensed before 1992, and they are now acquiring and additional license e.g. Broker-Agent is now filing for Life Agent’s license they must complete 12 hrs. of insurance Code & Ethics pre-licensing and the 40 hours of product knowledge
• If Licensed after 1992 and they are Holding an insurance license in good standing; they will only be required to complete 20 or 40 hours of pre-licensing product knowledge. The Final State exam will, contain questions on their knowledge of Code & Ethics

Please Note: Pre-Licensing, Certification SUBJECT TO EXPIRATION. Certification is NOW only Valid for 3 years of Course Completion; failure to obtain an insurance license or if insurance license expires will require re-certification of pre-licensing.