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CA Department of Insurance

Application Procedures-Individual Residents

License Information

Please follow the steps noted below to complete an application online and schedule your license examination:

Step 1 - Fingerprint impressions are required for unlicensed applicants and can be submitted at anytime prior to taking the license examination, even before submitting the license application. Please select the following link for instructions: California Resident Licensing Fingerprint Requirements

Note: Fingerprint impressions may be taken at the California Department of Insurance examination sites. Failure to submit fingerprints in a timely manner may cause a delay in the issuance of your license.

Step 2 - 1033 Application for Written Consent - Any person who has been convicted of felony crimes of dishonesty or breach of trust in a state or federal jurisdiction, or who has been convicted of any violation of Title 18 U.S.C. Section 1033 (the "Act"), must first obtain the written consent of the Commissioner prior to engaging or continuing to engage in the business of insurance in California.

Step 3 - Complete prelicensing requirements consisting of 20 hours of approved casualty prelicensing study and 12 hours of approved prelicensing study on ethics and the California Insurance Code. When an applicant seeks both the casualty broker-agent license and the life license, the applicant shall only be required to complete one 12-hour course on ethics and the California Insurance Code.

A new California resident applicant who is currently licensed in California as a non-resident for casualty insurance or an applicant holding either a Accredited Advisor in Insurance (AAI), Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC) or Associate in Risk Management (ARM) is exempt from the 20 hours of prelicensing education.

Step 4 - Pass the Casualty Broker-Agent license examination. Effective November 13, 2012 the California Department of Insurance (CDI) now requires California resident applicants to first pass the qualifying license examination prior to submitting their license application.

This change affects California residents applying for any license in which an examination is required (i.e., life, accident and health, property, casualty, personal lines, limited lines automobile, and life limited to funeral and burial expenses). CDI's online application service Fast Licensing Application Service is Here (FLASH) now requires applicants to enter a unique 12-digit identification number which is located on the upper left corner of the passed examination letter. FLASH only allows the application to be submitted if the applicant enters the correct identification number and has passed the examination, not just scheduled the examination. Consequently, for an application to be accepted, the applicant's identification number entered must be identical to the identification number that is stated on the passed examination letter.

The identification number consists of the applicant's last four digits of his or her social security number (e.g., 7777), followed by the two-digit birth month (e.g., 01), followed by the two-digit birth day (e.g., 02), and finally, the four-digit birth year (e.g., 1963). In this example, the 12-digit identification number would be 777701021963. The online application service will only allow the application to be submitted if the identification number is correct and you passed your license examination.

Step 5 - After passing the qualifying license examination, apply for a casualty broker-agent insurance license. Go to the Fast Licensing Application Service is Here (FLASH) for both resident and non-resident applicants to apply for an insurance license online. This link takes the applicant to the procedures of how to file an application online. If you already know how to use the online application service, you may select the following link to go directly to the FLASH online application.

Step 6 - Fees:

  • License filing fee: $140

Note: When an application is made to the California Department of Insurance, applicants may apply for what was known as a "fire and casualty broker-agent license" by selecting both the property broker-agent and casualty broker-agent license types on their application. Applicants checking both the property broker-agent and casualty broker-agent license types on the application will pay one filing fee. Individual applicants checking both the property broker-agent and the casualty broker-agent license types on their application will take one examination for both license types.

Additional Documents: The Insurance Commissioner may require such other documents as will aid in determining whether the applicant meets the qualifications for a license.

A casualty broker-agent is not required to have an appointment with an insurance company to have the license issued. Upon application approval the license can be downloaded or printed by using the CDI's Print or Download Your License. However, the licensee may not transact, solicit, or negotiate the sale of insurance until after one of the following documents is completed and submitted to the California Department of Insurance (CDI):

  • A $10,000 Bond of Insurance Broker, form LIC 417-5, executed in California by a California admitted surety, completed in the name of the applicant and signed by the applicant authorizes the person to act as an insurance broker.
  • The sponsoring insurance company admitted to California completes an Action Notice of Appointment. Pursuant to Section 2190.22 of Title 10 of the California Code of Regulations, the Action Notice of Appointment must be submitted electronically. To submit appointments electronically contact the National Insurance Producer Registry (NIPR) and its authorized business partners for a list of approved partners
  • The sponsoring business entity licensed in California completes a Business entity endorsement, which must be submitted through CDI's Business Entity Endorsement and Termination Online Service.
  • Action Notice of Solicitor, form LIC 417-31, with $24 filing fee, completed by the sponsoring Casualty agent employer licensed in California authorizes the person to act as an insurance solicitor.

All filing fees submitted are not refundable, whether or not the application is acted upon or an examination taken.

For specific questions regarding this license type, please e-mail the Producer Licensing Bureau at Producer Licensing Bureau E-mail or call the CDI's Producer Licensing Toll Free Hotline at (800) 967-9331. Please be sure to include your name, telephone number, license number and e-mail address in all correspondence with the CDI.

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