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.

California Life and Health Pre-licensing

$205

California Life Pre-licensing

$205.00

California Health Pre-licensing

$205.00

California Property and Casualty Pre-licensing

$211.00

California Personal Lines Pre-licensing

$211.00

California Code and Ethics Pre-licensing

$205

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California State Insurance Licensing Requirements

HOW TO OBTAIN A CALIFORNIA INSURANCE PRODUCER LICENSE

Complete the prelicensing course.

    • Life Only – 20 hours
    • Accident & Health Only – 20 hours
    • Life, Accident & Health – 40 hours
    • Casualty Insurance – 20 hours
    • Property Insurance – 20 hours
    • Property and Casualty – 40 hours
    • Personal lines – 20 hours
    • Ethics – 12 hours (required in addition to the above prelicensing hour requirement)

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 a minimum of 20 hours per line of authority and plus 12 hours of ethics.
    • XCEL will be tracking the time spent studying in the course.
    • 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 the completing the chapter until the last page (review notes) of that chapter is accessed.

Certificate Information

  • 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 notifying you that you course completion certification 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.

Schedule the California State examination.

  • Registration must be completed online on PSI website: https://home.psiexams.com/#/home
  • PSI exam fees – $83
  • CDI exam fees – $50
  • Education Roster not required to schedule the exam however you must complete the prelicensing course to obtain the license.
  • Spanish Exams available

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.

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.

Pass your state exam

  • 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”.

Apply for license

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
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 195 105 105 195 105 105
Minimum Correct for Passing Score 60 60 60 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
2. Register for exam
3. Pass exam
4. Apply for license
5. 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

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.