How to Get Your California Life Insurance License

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If you’re interested in becoming a licensed life insurance agent in California, there are several steps you’ll need to take. In this article, we’ll walk you through the process and provide answers to some frequently asked questions.

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Step 1: Meet the Qualifications

Before you can apply for a California life insurance license, you must meet certain qualifications. First, you must be at least 18 years old and a resident of California. You’ll also need to complete a pre-licensing course that covers California life insurance laws and regulations. This course must be approved by the California Department of Insurance (CDI).

Once you’ve completed the pre-licensing course, you’ll need to pass a state-administered exam. The exam covers topics such as life insurance policies, annuities, and California insurance laws. You’ll need to score at least 60% to pass the exam.

After passing the exam, you’ll need to undergo a criminal background check. If you have any felony convictions or certain misdemeanor convictions, you may be ineligible for a California life insurance license.

Finally, you’ll need to submit an application and pay the required fees. The application can be submitted online through the CDI’s website.

Step 2: Complete Continuing Education Requirements

Once you’ve obtained your California life insurance license, you’ll need to complete continuing education courses to maintain your license. You’ll need to complete 24 hours of approved courses every two years. At least three of these hours must cover ethics and California insurance laws.

You can complete these courses through approved providers, which can be found on the CDI’s website. You’ll need to keep records of the courses you’ve completed and submit them to the CDI when renewing your license.

FAQ

Question
Answer
How do I find an approved pre-licensing course?
You can search for approved providers on the CDI’s website.
Can I take the state exam online?
No, the exam must be taken in person at an approved testing center.
How long does it take to get a California life insurance license?
It can take several weeks to complete the pre-licensing course, pass the exam, and undergo the criminal background check. After submitting your application, it may take several more weeks to receive your license.
Do I need to be sponsored by an insurance company to get a license?
No, you can obtain a California life insurance license without being sponsored by a company. However, many companies do require their agents to be licensed.

Conclusion

Obtaining a California life insurance license can be a lengthy process, but it’s a necessary step if you want to work as a life insurance agent in the state. By completing the required pre-licensing course, passing the state exam, and meeting other qualifications, you can become a licensed agent and start helping Californians protect their future.

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