California Insurance License Classes Online

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

• Submit license application electronically through SIRCON Online Services or through the National Insurance Producer Registry.
• Application fee: $188.00

1. Submit Your Fingerprints

• The state of California requires fingerprinting. Do not submit your fingerprint impressions until a licensing application is received at the California Department of Insurance.
• After submitting your license application, complete the “Applicant Information” portion of the Request for Live Scan Service. BCIA 8016
• http://www.insurance.ca.gov/0200-industry/0040-seek-producer-forms/0100-broker-agents/upload/Fingerprint-Instructions-and-Payment-form.pdf
• Fingerprint Fee: Varies by vendor

PSI Exam Outlines

Producer Licensing Checklist:

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, 17^th Floor

Sacramento, CA 95814