California Life and Health Insurance License Exam: PSI vs CDI

Exam Format Differences

California's life and health insurance licensing exam is administered by two providers: PSI and CDI. Both offer the same 150‑question multiple‑choice test, but PSI uses a computer‑adaptive format that adjusts question difficulty based on prior answers, while CDI delivers a fixed‑difficulty test. The adaptive PSI exam may end earlier for high‑performing candidates, potentially reducing overall test time.

Scheduling and Locations

PSI test centers are available in most major California cities, including Los Angeles, San Francisco, and San Diego. CDI centers are fewer, mainly concentrated in larger urban areas. Both providers allow online scheduling, but PSI offers more frequent appointment slots, which can be advantageous if you need a quick exam date.

Costs and Fees

PSI charges $115 for the exam fee, plus an additional $45 for the test‑center registration fee, totaling $160. CDI's fee is $125, with a $50 registration fee, totaling $175. PSI's lower total cost may be a deciding factor for budget‑conscious candidates.

Study Materials and Preparation

Both providers offer official study guides and practice tests. PSI's "Life and Health Insurance Exam Prep" includes 300 practice questions and a full mock test, while CDI offers 200 practice questions plus a downloadable PDF guide. PSI's larger question bank can provide more varied practice scenarios, whereas CDI's materials are more concise.

Exam Performance and Pass Rates

State data shows no significant difference in pass rates between PSI and CDI. Candidates often report that PSI's adaptive nature helps maintain focus, while CDI's fixed format allows for a more predictable test experience. Choosing based on personal learning style is recommended.

Registration Process

Both providers require the California Department of Insurance (CDI) to be completed before scheduling. After approval, you can book an exam slot through the chosen provider's website. Ensure you have a valid photo ID, the CDI completion confirmation, and the correct payment method.

Quick Comparison Table