How to Obtain a California Life and Health Insurance License

Eligibility and Pre‑Licensing Education

Applicants must be at least 18 years old, legally authorized to work in the United States, and have a clean criminal record. California requires 20 hours of approved pre‑licensing coursework for each license type—life and health—plus a 10‑hour ethics module. Courses can be completed online or in‑person through state‑approved providers, and a certificate of completion is needed before scheduling the exams.

Examination Process

The California Department of Insurance (CDI) administers separate exams for life and health insurance. Each exam consists of 150 multiple‑choice questions, with a passing score of 70%. Candidates register through the CDI's testing vendor, pay the exam fee (approximately $125 per exam), and receive a scheduling window of 30 days. Test‑taking tips include reviewing the CDI's candidate handbook, focusing on policy provisions, underwriting guidelines, and state regulations.

Application and Fingerprinting

After passing the exams, applicants file the Life/Health Insurance License Application (Form L‑100) via the CDI's online portal. Required documents include the exam score report, proof of education, a recent passport‑style photo, and a completed fingerprint card. The fingerprint fee is $49, and background checks are processed through the California Department of Justice. Processing times average 10‑14 business days, though delays can occur if the background check raises concerns.

License Activation and Continuing Education

Once approved, the license becomes active immediately. Agents must display the license number on all marketing materials and policy documents. California mandates 24 hours of continuing education (CE) every two years—2 hours of ethics and 22 hours of industry‑specific topics. CE courses must be completed through CDI‑approved providers and reported through the online portal before the renewal deadline.

Renewal and Compliance

Renewal notices are sent 60 days before expiration. Renewal fees are $150 per license type, and agents must submit proof of CE completion. Failure to renew on time results in a 30‑day grace period with a late fee; beyond that, the license is suspended until reinstated. Agents should also stay current with California Insurance Code updates, as regulatory changes can affect policy wording and commission structures.

Comparison of Key Requirements