Skip to Main Content
Menu
Contact Us Search
CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Life Agent and Accident and Health or Sickness Agent Frequently Asked Questions

In addition to requirements information on obtaining a Life Agent license the CDI has also published below a list of frequently asked questions regarding the Life Agent license and Accident and Health or Sickness Agent license.

License Application and Fees

The license application is available at sircon.com for both resident and nonresident applicants to apply for an insurance license online. This link takes the applicant to the procedures of how to file an application online.  

What will the filing fee be if I want to apply for a Life Agent license?

The filing fee is $188 when an applicant applies for this license.

What will the filing fee be if I want to apply for an Accident and Health or Sickness Agent license?

The filing fee is $188 when an applicant applies for this license.
 

What will the filing fee be if I want to apply for a Life Agent and Accident and Health or Sickness Agent license at the same time?

The filing fee is $188 when an applicant applies for both licenses at the same time (the full life agent license).

Please note that the applicant must check both the Life and the Accident and Health or Sickness license types on the initial submission of the individual license application.

What will the filing fee be if I apply for the Life Agent license now and then later I apply for the Accident and Health or Sickness Agent license (a full life agent license)?

The filing fee is $188 for the Life application. Subsequently, there will be an additional fee of $188 for filing the Accident and Health or Sickness license application at a later date.

If I am licensed as both a Life Agent and an Accident and Health or Sickness Agent, will I need to pay a separate renewal fee for each license?

No, the fee is $188 to renew the Life Agent and/or Accident and Health or Sickness Agent license.

Back to Top

Types of Coverage

What type of coverage may I sell if I hold a Life Agent license?

The Life Agent is entitled to transact insurance for the following risks: human lives, benefits of endowment and annuities, death benefits or dismemberment by accident and benefits for disability income (life policies offer riders for death or dismemberment by accident and benefits for disability income; therefore, the Life Agent may sell these products).

What type of coverage may I sell if I hold an Accident and Health or Sickness Agent license?

The Accident and Heath or Sickness Agent may transact coverage for sickness, bodily injury, accidental death and benefits for disability income.

Educational Objectives

Is there study material available the Life Agent and the Accident and Health or Sickness Agent so that an applicant can study for the license examination?

The Educational Objectives are available on the CDI website at the following links:

Prelicensing Requirements for Life Agent and/or Accident and Health or Sickness Agent

What are the prelicensing education requirements for an applicant that applies for the Life license?

The prelicensing education requirement for a Life applicant consists of a 20-hour prelicensing course that is product specific and a 12-hour prelicensing course on code and ethics. Therefore, there is a 32-hour prelicensing requirement for this license (Sections 1749(c) and (e) of the California Insurance Code (Cal. Ins. Code)).

What are the prelicensing requirements for an applicant that applies for the Accident and Health or Sickness license?

The prelicensing education requirement for an Accident and Health or Sickness license applicant consists of a 20-hour prelicensing course that is product specific and a 12-hour prelicensing course on code and ethics. Therefore, there is a 32-hour prelicensing requirement for this license (Cal. Ins. Code sections 1749(d) and (e)).

What are the prelicensing requirements for an applicant that applies for both the Life and the Accident and Health or Sickness license (full life agent license)?

The prelicensing education requirement for a Life and Accident and Health or Sickness license applicant consists of the current 40-hour prelicensing course that is product specific and a 12-hour prelicensing course on code and ethics. Therefore, there is a 52-hour prelicensing requirement for these licenses.

Back to Top

Continuing Education for Life and/or Accident and Health or Sickness licensees

What are the continuing education requirements for a Life Agent and/or the Accident and Health or Sickness Agent?

The Life and/or Accident and Health or Sickness licensee is required to complete 24 hours of continuing education credit prior to the renewal of each license. 

  • Life - This licensee will be required to complete 24 hours of continuing education (CE) each license term (Cal. Ins. Code section 1749.33(a)).
  • Accident and Health or Sickness - This licensee will be required to complete 24 hours of CE each license term (Cal. Ins. Code section 1749.33(b)).
  • Life Agent and Accident and Health or Sickness Agent - This licensee will be required to complete 24 hours of CE credit each license term (Cal. Ins. Code section 1749.33(c)). 
  • Ethics Continuing Education - Please note the Life and/or the Accident and Health or Sickness licensee will need to complete 3 hours of ethics CE as a part of, and not in addition to, the required 24 hours of CE each license term before their license can be renewed.

Long-Term Care Training Requirements

Would the Life or the Accident and Health or Sickness licensee be authorized to sell long-term care insurance?

The licensee who holds both the Life and Accident and Health or Sickness licenses (Life and Accident and Health or Sickness Agent) or only the Accident and Health or Sickness license will be authorized to sell long-term care insurance. However, an agent that only holds a Life license is not authorized to sell long-term care insurance.

Note: The Life and Accident and Health or Sickness licensees (Life and Accident and Health or Sickness Agent) or only the Accident and Health or Sickness licensee must complete the long-term care training requirements stated in Cal. Ins. Code section 10234.93 (a)(4)(A). Specifically, any Life and Accident and Health or Sickness licensees (full life license) or the Accident and Health or Sickness licensee must complete eight hours of long-term care training in each of the first four 12-month periods beginning from the date the license was issued and, thereafter, complete eight hours of long-term care training each renewal period. For resident licensees, this requirement shall be a part of and not in addition to the continuing education requirements stated in Cal. ins. Code section 1749.33 (B) and (c).

In addition, the Life and Accident and Health or Sickness licensees (Life and Accident and Health or Sickness Agent) or only the Accident and Health or Sickness licensee marketing a Partnership Long-Term Care Insurance Policy or Certificate must complete eight (8) hours of education on long-term care in general that meet the requirements of Cal. Ins. Code section 10234.93 of the CIC and eight (8) hours of training eight (8) hours of training in a live classroom setting on California Partnership for Long-Term Care. Section 58056 of the California Code of Regulations establishes this requirement.

Annuity Training Requirement

Would the Life Agent or the Accident and Health or Sickness Agent be authorized to sell annuity products?

The agent who holds both the Life and Accident and Health or Sickness Agent licenses (Life and Accident and Health or Sickness Agent) or only the Life license will be authorized to solicit individual consumers in order to sell annuities. However, a licensee that only holds an Accident and Health or Sickness license is not authorized to negotiate, transact, or sell annuities.

Note: The Life and Accident and Health or Sickness licensee (Life and Accident and Health or Sickness Agent) or the Life licensee must complete the annuity training requirements stated in Cal. Ins. Code section 1749.8. Specifically, any Life and Accident and Health or Sickness licensee (Life and Accident and Health or Sickness Agent) or Life licensee must complete an initial eight-hour annuity training course prior to selling annuities. That licensee must complete four-hours of annuity training each license renewal period thereafter. For resident licensees, this requirement shall be a part of, and not in addition to, the CE requirements stated in Cal. Ins. Code section 1749.33 (a) and (c).

24-Hour Care Coverage

Would the Life Agent or the Accident and Health or Sickness Agent be authorized to sell 24-Hour Care Coverage?

The agent who holds the Life and Accident and Health or Sickness license (Life and Accident and Health or Sickness Agent) or the Accident and Health or Sickness license will be authorized to sell 24-Hour Care Coverage. However, a licensee that only holds a Life license is not authorized to negotiate, transact, or sell 24-Hour Care Coverage.

Note: The Life and Accident and Health or Sickness licensee (Life and Accident and Health or Sickness Agent) or the Accident and Health or Sickness licensee must complete the 24-Hour Care Coverage CE requirements stated in Cal. Ins. Code section 1749.33 of the California Insurance Code. Specifically, any Life and Accident and Health or Sickness licensee (Life and Accident and Health or Sickness Agent) or Accident and Health or Sickness licensee who wishes to sell 24-Hour Care Coverage, as defined in Cal. Ins. Code section 1749.02, shall complete a course, program of instruction, or seminar of an approved CE provider on workers' compensation and general principles of employer liability, which shall be completed by examination approved by the Commissioner as part of the CE course, program of instruction, or seminar prior to selling this coverage. The required number of instruction hours shall be equal to but no greater than that required by the curriculum board for the prelicensing requirements of a Casualty Broker-Agent on these subjects. For resident licensees, this requirement shall be a part of, and not in addition to, the CE requirements stated in Cal. Ins. Code section 1749.33(b) and (c).

Back to Top

Miscellaneous Questions

Will the "Variable Life and Variable Annuity" authority be displayed on the Life agent's license if the agent has this line of authority?

Yes, the Variable Life and Variable Annuity authority will be listed on the Life license when it is printed. In addition, the Variable Life and Variable Annuity authority will also be shown on the CDI's web page when viewing the agent's Check A License page.

Is it possible for someone to be an Accident and Health or Sickness Agent, Property Broker-Agent and Casualty Broker-Agent? If so, how many prelicensing education hours are required for new license applicants?

Residents only: If an individual would like to be licensed as an Accident and Health or Sickness Agent, Property Broker-Agent and Casualty Broker-Agent that individual can apply for these three license types. The applicant would need to complete the prelicensing requirements for the Accident and Health or Sickness Agent, Property Broker-Agent and Casualty Broker-Agent which includes 60 hours of product and 12 hours of code and ethics education. This applicant would need to complete the Accident and Health or Sickness Agent, Property Broker-Agent and Casualty Broker-Agent examinations to be licensed as an Accident and Health or Sickness Agent and a Property Broker-Agent and Casualty Broker Agent.

If an individual holds a Accident and Health or Sickness, Property Broker-Agent and Casualty Broker-Agent, what is the CE requirement?

Residents only: The required CE hours for the Accident and Health or Sickness Agent, Property Broker-Agent and Casualty Broker-Agent is 24 hours. Please note this individual must complete 3 hours of ethics CE as a part of, and not in addition to, the required 24 CE hours each license term before the license can be renewed.

If an individual holds a Personal Lines Broker-Agent license in addition to the Life and/or an Accident and Health or Sickness license, what is the CE requirement?

Residents only: The CE requirement for a Personal Lines Broker-Agent that also holds a Life and/or Accident and Health or Sickness Agent license is 24 hours of CE each license term. In addition, this individual must complete 3 hours of ethics as a part of, and not in addition to, the required 24 hours of CE each license term before the license can be renewed.

If an individual holds a Personal Lines Broker-Agent license and a Life and/or Accident and Health or Sickness license, what type of classes can I take?

A Personal Lines Broker-Agent, when combined with a Life Agent and/or Accident and Health or Sickness Agent license, may complete a Property Broker-Agent, Casualty Broker-Agent, Life Agent, Personal Lines Broker-Agent or Limited Lines Automobile Insurance Agent course for CE credit.

Back to Top

Google Translate