California Insurance License Classes Online

Looking for an California insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality California insurance license courses, industry expertise and convenience. All of XCEL's California courses are approved by the California Department of Insurance.

Life and Health

C

Property and Casualty

C

Personal Lines

C

Best Value

Premier
Life and Health

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$305
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Life and Health

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$205
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

California Health Pre-licensing

$205

California Life Pre-licensing

$205

Life and Health

C

Property and Casualty

C

Personal Lines

C

Best Value

Premier
Property and Casualty

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$311
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Property and Casualty

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$211
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Life and Health

C

Property and Casualty

C

Personal Lines

C

Premier
Personal Lines

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$311
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Personal Lines

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$211
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Other Courses

California Code and Ethics Pre-licensing

$205

California State Insurance Licensing Requirements

HOW TO OBTAIN CALIFORNIA INSURANCE PRODUCER LICENSE

  1. Complete the Prelicensing Course (Required study hours)
  • Life Only – 32 hours (includes 12 hours of ethics with Anti-Fraud Training)
  • Accident & Health Only – 32 hours (includes 12 hours of ethics with Anti-Fraud Training)
  • Life, Accident & Health – 52 hours (includes 12 hours of ethics with Anti-Fraud Training)
  • Casualty Insurance – 20 hours
  • Property Insurance – 20 hours
  • Property and Casualty – 40 hours
  • Personal Lines – 20 hours
  • Code and Ethics – 12 hours – includes Anti-Fraud Training

Course Requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson before moving onto the next section/chapter.
  • We recommend scoring at least 70% on each chapter exam before moving to the next chapter.
    • Applicants are required to spend the applicable minimum study time outlined above.
    • XCEL will be tracking the time spent studying in the course.
      • Reviewing or studying printed materials offline will not count towards credit as we are unable to track your time studying those materials.
    • You will be asked to authenticate your identity on a periodic basis throughout the course.
    • Be sure to use the “SAVE & EXIT” button when exiting the course content, chapter exams, and comprehensive final exam to ensure your progress is properly tracked.
    • You will not receive credit for completing the chapter until the last page of that chapter is accessed.

Certificate Information:

To eligible for a Certificate of completion, you must follow several steps:

  • Completion of the course including final exam.
  • Satisfying the time requirement (20 hours per line of authority plus 12 hours of ethics) which will be verified by a member of our compliance team the following business day.
  • Submit an electronic affidavit acknowledging you were actively engaged in one hundred percent of the course and your participation during the periods of perceived inactivity.
  • Upon completion of your Pre-licensing Affidavit, and submission to our compliance department, you will receive an email notification that your course completion certificate is available to be printed directly from your student dashboard.
  • Certificates are valid for three (3) years.
  • Course completion rosters will be reported to the Department of Insurance within two (2) business days.
  • Roster Fee: $6.00 which is collected upon enrollment.
  1. Schedule the California State Examination
  • Registration must be completed online on PSI website: https://test-takers.psiexams.com/cadi
  • PSI exam fees: $98
  • CDI exam fees: $55
  • Education Roster is not required to schedule the exam however you must complete the prelicensing course to obtain the license.
  • Spanish Exams available

Online Proctored Exams:

  • You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com
  • If your computer is not compatible with the online software, you will need to schedule your examination at PSI or CDI test center.

Limitation on Repeat Examinations:

  • Any Insurance license examinee who failed an examination 10 times is barred from taking the license examination for a 12-month period from the date of the last failed attempt.
  1. Pass Your State Exam
  • Be sure to take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course up until test day.
  • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
  • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
  • On the day of testing, you must present a valid government issued photo id
  1. Apply for Your License
  1. Submit Your Fingerprints

PSI Exam Outlines

DESCRIPTION Question Count % of Exam Questions
  L&H Life Health L&H Life Health
Part 1 – General Insurance            
Basic Insurance Concepts 16 9 7 11% 12% 9%
Contract Law 10 6 4 7% 8% 5%
The Insurance Marketplace 14 7 7 9% 9% 9%
Part II – Life Insurance            
Life Insurance – Basics 8 8 0 5% 11% 0%
Types of Life Policies 10 10 0 7% 13% 0%
Annuities 8 8 0 5% 11% 0%
Life Insurance and Annuities – Policy Replacement / Cancellation 4 4 0 3% 5% 0%
The Individual Life Insurance Contract 10 10 0 7% 13% 0%
Taxation of Life Insurance and Annuities 3 3 0 2% 4% 0%
Group Life Insurance 2 2 0 1% 3% 0%
Social Security Disability Program 1 1 0 1% 1% 0%
Individual Underwriting, Pricing, and Claims 3 3 0 2% 4% 0%
Life Policy Riders 4 4 0 3%  3% 0%
Part III – Health Insurance            
General Concepts of Medical and Disability Insurance 4 0 4 3% 0% 5%
Individual Insurance 14 0 14 9% 0% 19%
Group Medical Expense Insurance 8 0 8 5% 0% 11%
Patient Protection and Affordable Care Act (PPACA) 8 0 8 5% 0% 11%
Senior Health Products 15 0 15 10% 0% 20%
Individual Disability Income Insurance, Underwriting, Pricing and Claims 4 0 4 3% 0% 5%
Long Term Care 4 0 4 3% 0% 5%
             
Total for all parts            
Total Scored Questions on Exam 150 75 75
Maximum Time allowed to complete exam in minutes 195 105 105
Minimum Correct for Passing Score 60 60 60
Description % of Exam Questions
  Casualty
Part I and II 31%
I. General Insurance  
Basic Insurance Concepts and Principles  
Contract Law  
The Insurance Marketplace  
II. Casualty Insurance  
Legal Concept – Tort Law  
Casualty  
III. Personal Lines Insurance 31%
Insurance on Residence  
Inland Marine  
Personal Auto  
Umbrella and Excess Liability Insurance  
Commercial Insurance Coverage 38%
Insurance Service Office, Inc. (ISO) Commercial Lines Insurance Programs  
Casualty Insurance  
Surety Bonds and General Bond Concepts  
Total for All Parts  
Total Scored Questions on Exam 75
Maximum Time allowed to complete exam in minutes 98
Minimum Correct for Passing Score 60
Description % of Exam Questions
  Property
Part I and II 31%
I. General Insurance  
Basic Insurance Concepts and Principles  
Contract Law  
The Insurance Marketplace  
II. Property Insurance  
Legal Concept – Tort Law  
Casualty  
III. Personal Lines Insurance 40%
Insurance on Residential Properties  
Homeowners’ Insurance Properties  
Liability Coverage  
Government/Pools/Catastrophe – Property Insurance  
Fire Mitigation and How it Affects Insurance Costs  
Inland Marine  
Commercial Insurance Coverage 29%
Commercial Package Policy (CPP) Program introduced by the Insurance Services Office, Inc. (ISO)  
Property Insurance  
Business Policy (BOP)  
Total for All Parts  
Total Scored Questions on Exam 75
Maximum Time allowed to complete exam in minutes 98
Minimum Correct for Passing Score 60
Description % of Exam Questions
  Personal Lines
Part I and II 35%
I. General Insurance  
Basic Insurance Concepts and Principles  
Contract Law  
The Insurance Marketplace  
II. Property Insurance  
Legal Concept – Tort Law  
Casualty  
III. Personal Lines Insurance 65%
Insurance on Residential Properties  
Homeowners’ Insurance Properties  
Inland Marine  
Government/Pools/Catastrophe – Property Insurance  
Personal Auto  
Umbrella and Excess Liability Insurance  
Total for All Parts  
Total Scored Questions on Exam 90
Maximum Time allowed to complete exam in minutes 135
Minimum Correct for Passing Score 60

Producer Licensing Checklist:

Task: Date Completed
  1. Complete Prelicensing Course and Time Requirement
  1. Register for Exam
  1. Pass Exam
  1. Apply for License
  1. Submit Fingerprints

Governing Agency

Name: California Department of Insurance

Phone: 800-967-9331

Fax: 916-327-6907

Website: http://www.insurance.ca.gov

Address: 300 Capitol Mall, 17th Floor

Sacramento, CA 95814

 

California Course Approval Information

Course Name: California Pre-licensing Education – Life, Accident and Health Insurance (ID: 383034). This course fulfills the 52-hour requirement for Life, Health, and Ethics and includes the $6 state reporting fee
Course Name: California Pre-licensing Education – Life Insurance (ID: 383032). This course fulfills the 32-hour requirement for Life and Ethics and includes the $6 state reporting fee.
Course Name: California Pre-licensing Education – Accident and Health Insurance (ID: 383033). This course fulfills the 32-hour requirement for Health and Ethics and includes the $6 state reporting fee.
Course Name: California Property and Casualty Pre-licensing (ID: 386690) & California Code and Ethics Pre-licensing (ID: 386934) includes $12 state reporting fee
Course Name: California Personal Lines Pre-licensing (ID: 386688) & California Code and Ethics Pre-licensing (ID: 386934) and Includes $12 state reporting fee.
Course Name: California Code and Ethics Pre-licensing (ID: 386934). This course fulfills the 12-hour ethics requirement and includes the $6 state reporting fee.

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.