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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Life and Disability Insurance Analyst

License Information

Applicable Forms

  • Application for Insurance License, form LIC 441-9.
  • Application for Business Entity License, form LIC 441-11.
  • Business Entity Endorsement, form LIC 411-8A.
  • Request For Live Scan Service, form LIC 442-39A.

Candidate Information Bulletin 

Authorizing Act: Section 1848 of the California Insurance Code (CIC) reads, in part:

A Life and Disability Insurance Analyst is a person who, for a fee or compensation of any kind, paid by or derived from any person or source other than an insurer, advises, purports to advise, or offers to advise any person insured under, named as beneficiary of, or having any interest in, a life or disability insurance contract, in any manner concerning that contract or his or her rights in respect thereto.


  • Minimum Age: 23 years.
  • Residency: California residency is required.
  • Prelicensing Experience/Education: Individuals must be licensed as both a life-only (LO) and accident and health (AH) licensee for five years prior to taking the qualifying examination.
  • Continuing Education: Not required.
  • Entity Types: Individual or Business Entity.

Filing Requirements-Individual:

  • Application: Application for Insurance License, form LIC 441-9.
  • Fingerprint Impressions: Fingerprint impressions are required for unlicensed applicants. If an examination is required, fingerprint impressions may be taken at the California examination sites.

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

Fees - Individual:

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The applicant must pass the written examination prepared and administered by the Department.

Study Material: The Life and Disability Analyst Examination Objectives were developed as a study guide to assist in the preparation for the examination. 

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Filing Requirements - Business Entity:

Business Entity Application:

  • Corporation, partnership, nonprofit corporation or unincorporated association applicants must submit the Application for Business Entity License, form LIC 441-11.

Natural Person Named On Business Entity:

  • Application for insurance license, form LIC 441-9, and Business Entity Endorsement, form LIC 411-8A, must be completed by each natural person who does not hold active California Life-Only and Accident and Health licenses (individual filing requirements must be met). Endorsees can be named on the Business Entity Application, during the initial business entity application filing.
  • Business Entity Endorsement, form LIC 411-8A,  must be completed for each natural person who holds active California Life-Only and Accident and Health licenses.

Fees - Business Entity

Fees are not required for the business entity license. Each natural person named on the business entity must pay individual fees.

  • License filing - two year term: $622
  • Renewal Fee - two year term: $622

Note: Natural persons filing form LIC 441-9, refer to individual filing fees.

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License Term:

Pursuant to Section 1630 of the California Insurance Code, licenses are issued for two year terms. Specifically, the term of the first license begins the date the license is issued and expires the last day of that same calendar month two years later. Any additional licenses issued at a later date will expire at the same time as the initial license.

Renewal of License:

Individual Life and Disability Insurance Analysts must submit their renewal filings to CDI electronically.

CDI emails licensees a renewal notification to their email address on record. The email notification includethe license number, license term, license type, and information regarding any continuing education requirements. You can update your e-mail address using the Online Address Change service.

Individuals and business entities who do not receive the email notification must still renew their license online by following the prompts on CDI's Online Renewal Service at the following website link: Online Renewal Service  

CDI's online renewal service is available to insurance agents, brokers, and adjusters who want to renew their licenses after the license expiration date has passed. Additionally, the online renewal service is available to insurance agents, brokers, and adjusters who previously used the online renewal service as an on-time renewal but were not able to renew their license because not all of the requirements to renew were met prior to the license expiration date. The online renewal service now allows these licensees, once their requirements have been met, to complete the renewal of their license by paying the 50 percent late penalty fee.

The online renewal service for late renewals is not available to bail agents, who by law must reapply as a new applicant if their license is not renewed prior to the expiration date.

Any licensees that renew their licenses late will be required to pay a 50 percent penalty fee and file new company appointments and/or solicitor appointment (if applicable). "Late" is defined as any renewal for which the requirements to renew (for CA residents this includes completing the ethics and continuing education hours) are not met until after the expiration date of the previous license term. Use this link Late Renewal to find out how to late renew your license.

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Additional Information:

Federal law (Title 18 United States Code Section 1033) prohibits anyone who has been convicted of a felony involving dishonesty or a breach of trust from conducting the business of insurance unless they have obtained the written consent of the Insurance Commissioner. It is a violation of this statute to conduct business of insurance without the Commissioners written consent. If you have been convicted of a felony involving dishonesty or a breach of trust then you must attach a copy of this consent. If you have not obtained this written consent you must do so by filing a 1033 Short Form Application for Written Consent prior to filing your application.

The following persons are exempt from the requirements of this license:

  • Active members of the State Bar of California.
  • Any person who has passed all of the qualifying examinations necessary to become an Associate of the Society of Actuaries.
  • An officer or employee of any bank or trust company who receives no compensation from sources other than the bank or trust company for activities connected with his employment which would otherwise subject him to licensing requirements.
  • Any person employed by an employer who on behalf of his or her employer or any employee of his or her employer transacts life or disability insurance with, but not on behalf of, an insurer; or advises his or her employer or any employee of his or her employer in any manner concerning life or disability insurance; if:
    • the employer receives no compensation by reason of such transactions or advice; and,
    • such person receives no compensation from any source other than his or her employer for such transactions or advice.
  • An investment advisor, as defined in Section 25009 of the Corporations Code, when acting in that capacity.

Note: An employee or officer of any insurer is not eligible for a license as a Life and Disability Insurance Analyst.

To obtain insurance licensing forms by mail, send an e-mail request to: Producer Licensing Bureau.

To obtain insurance licensing information, you may phone the Producer Licensing Bureau at (800) 967-9331.

All fees mailed to the Department must be addressed to:

Department of Insurance
P.O. Box 1139
Sacramento, CA 95812-1139

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

LICH 765A (Rev. 02/2014)
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