California Insurance CE
Continuing Education That Is:
Yes. Our California state approval number is: 38124.
Most students will have their credits processed the same day on which they complete their final exam. If a course is completed outside of our normal business hours, these credits will be processed on the morning of the next business day. Once your credits have been successfully filed, you will receive a notification email that also contains your Certificate of Completion.
No. Self-study final exams do not require a monitor.
Self-study final exams are closed book. Licensees may not refer to the course material while the exam is in progress.
The final exam must be passed with a score of 70 percent or higher to receive credit. Students have unlimited attempts to pass the exam.
A roster fee of $0.65 per credit is required to process course credits in this state. This fee will be added to your order total during checkout and is then sent by us to the state upon completion.
No. You may spend as much time with the course material as you feel necessary, and you may come and go from that material as often as you like. There is no time limit on our exams, however all exams must be completed within one sitting. Once started, if an exam is abandoned for any reason you will need to begin that exam from the beginning when you next return.
Do take special note that every course has an expiration date, which is based on both the state approval and your website purchase date. In order to receive credit you must complete the course before that expiration date.
Producers - Life-Only, Accident & Health, Fire & Casualty
24 CE hours*, including 3 hours of ethics, are required every 2-year license term (see license term below).
*See Category Restrictions under Special Training/Education Requirements below.
Life Settlement Broker
Individuals not licensed as a resident or non-resident California life agent or who have not held a resident or non-resident California life agent license for more than a year are required to complete 15 hours of education related to life settlements and life settlements transactions, prior to operating as a life settlements broker. Individuals already holding a life agent or life settlement broker license as of July 2, 2010 see CE Exemptions below.
Personal Lines Broker-Agents
24 CE hours,including 3 hours of ethics are required every 2-year license term (see license term below).
*See Category Restrictions under Special Training/Education Requirements below.
Limited Lines Automobile Insurance Producers
20 CE hours, including 3 hours of ethics are required every 2-year license term (see license term below).
Independent or Public Adjusters
24 CE hours, including 3 hours of ethics every 2-year license term (see license term below).
Special Training/Education Requirements
Life-only agents, accident and health agents, property or casualty broker-agents, and personal lines broker-agents must complete three hours of ethics CE training every license term as a part of the requirements. For those licensees who hold one or more of the above named license types, the 24 hours of CE may be completed in courses applicable for any of the license types held.
Initial 8-hour training requirement: Before selling annuities in California, producers must complete an initial 8-hour, state-approved annuity training course.
Ongoing 4-hour training requirement: After completing the initial 8-hour training requirement, producers continuing to sell annuities must complete a 4-hour, state-approved annuity CE course in every 2-year license term following the initial 8-hour training completion. Note that effective January 1, 2014 the eight-hour annuity training course will not satisfy the four-hour annuity training requirement.
Long-Term Care (LTC)
Initial 8-hour LTC training requirement: Before selling LTC insurance products in California, producers must complete an initial 8-hour, state-approved LTC training course.
Important Notice: In order to solicit/sell long-term care insurance in California, agents need to hold a current license as: Life Accident and Health Insurance Agent, and you must comply with the LTC 8-hour training requirements. If holding a Life-Only Agent license, agents may sell LTC only as an LTC rider on a full life policy, and must also complete the 8-hour training requirements.
Ongoing 8-hour LTC training requirement: After completing the initial 8-hour training requirement, producers licensed 4 years or less must complete 8 hours of state-approved LTC training annually for the first 4 years of licensure. (Producers licensed more than 4 years must complete 8 hours of state-approved LTC training in every 2-year license term.)
Long-Term Care Partnership (LTCP) MUST BE COMPLETED IN A CLASSROOM
Initial LTC partnership training requirement: Before selling LTCP insurance products in California, producers must first complete 16 hours of state-approved LTC training. Of these 16 hours, 8 hours must be fulfilled in a state-approved classroom, and 8 hours must be fulfilled by taking a state-approved LTC self-study course.
Ongoing LTC partnership training requirement: After completing the initial 16-hour training requirement, LTCP insurance producers must complete 8 hours of state-approved LTCP training in every 2-year license term, which must be fulfilled in a state-approved classroom.
All California fire and casualty producers who sell federal flood insurance policies must complete a one-time 3 hour course relating to National Flood Insurance Program (NFIP) training.
Homeowners' Insurance Valuation
All California fire and casualty broker-agents and personal line broker-agents who negotiate or sell homeowners’ (HO) insurance will be required to complete a one-time 3-hour homeowners’ insurance valuation training course.
Nonresident producers selling annuities, LTC, LTC partnership, or flood products are required to complete the same special training/education requirements as resident producers (see “Special Training/Education Requirements” above).
Life and Health, Property and Casualty, Limited Lines
The license term is the last day of the license issuance month every 2 years. For example, if you were initially licensed on June 3, 2009 your renewal date would be June 30, 2011.
Licensed before Jan 1, 2009 - the license term is every ODD year on December 31st. If a personal lines broker-agent has an additional license(s) with a different renewal date, then all licenses will renew with the same license term as that of the original license issued.
Licensed after Jan 1, 2009 - the license term is the last day of the license issuance month every 2 years.
Independent and Public Adjuster:
Licensed before Jan 1, 2011-the license term is every EVEN year on May 31st.
Licensed after Jan 1, 2011-the license term is the last day of the license issuance month every 2 years.
Life Settlement Brokers
For individuals not currently licensed as a life settlement broker and who do not hold a life agent license or have held the life agent license for less than one year, the license must be renewed on an annual basis. If the individual holds a life agent license, on the one year anniversary of the life agent license the life settlement broker becomes eligible for the two year life settlement notification. For your step-by-step notification and application procedures click here.
For individuals not currently licensed as a life settlement broker, but who are licensed as a life agent for at least a year will need to pay the life producer notification fee of $128 to become a life settlement broker, which is good for a two year period. The license will need to be renewed on the same date as the life agent license expires. For your step-by-step notification and application procedures click here.
Individuals licensed prior to July 2, 2010 as a life settlement broker who have also been licensed as a life agent for at least one year will be initially issued a two-year life producer notification of Brokering Life Settlements that corresponds with their life agent license. The life producer notification will need to be renewed on the same date as the life agent license expires.
Individuals licensed prior to July 2, 2010 as a life settlement broker who do not hold a life agent license or who have held a life agent license less than one year will be initially issued a one-year life settlement broker license. After one year they will either apply to renew the one-year life settlement broker license or if qualified, renew for a two-year life producer notification.
A course may not be taken for credit more than once within a 2-year license term.
Exception: Within the first 4 years of selling LTC products, producers may repeat an LTC course every 24 months from the original course completion date.
Excess hours may be carried forward to the next year. Excess hours from an approved ethics, annuity or LTC course are carried over as general credit only.
Any person meeting the following requirements will be exempt from completing continuing education (CE) to renew his or her life-only and/or accident and health, property broker-agent and/or casualty broker-agent license, personal lines broker-agent license, or limited lines automobile license.
- 70 years of age or older; and,
- 30 continuous years as a licensee in good standing in the State of California.
Any licensee that maintains eligibility for 30 continuous years without any disciplinary action is considered to be in good standing. Eligibility is maintained by renewing a license within one year. Licensees with a break in their license caused by late renewals or transferring between employers may still qualify for the exemption.
The exemption from the continuing education requirement for licensees 70 years of age and in good standing for 30 continuous years does not apply to those individuals licensed for the first time on or after January 1, 2010. (Section 1749.3 (c)).
If you believe that you qualify for the CE exemption, please contact the CDI's Licensing Hotline at (800) 967-9331 or email them at Producer Licensing Bureau.
CAUTION: Any licensee that markets long-term care contracts or offers to sell annuity products is still required to meet the specific education requirements for marketing such contracts.
Note: Section 1749.3(c) of the California Insurance Code reads: A licensee shall not be required to comply with the requirements of this article if the licensee submits proof satisfactory to the commissioner that he or she has been a licensee in good standing for 30 continuous years in this state and is 70 years of age or older.
California Department of Insurance
Phone: (800) 967-9331
California Department of Insurance
Producer Licensing Bureau
320 Capitol Mall
Sacramento, CA 95814-4309
Disclaimer: InsuranceStudy provides this information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither InsuranceStudy nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice. We encourage you to contact the relevant licensing body and/or your carrier to find the most up-to-date and personally relevant requirements.