Passing yourCaliforniainsurance license examis a pivotal part of becoming a licensed insurance agent in the state of California.
In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for yourCaliforniainsurance licensing exam,and on what to do after you pass.
Recommended: Over 81% of our readers use ExamFX’s online courses — which come with a money-back guarantee — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:
California Insurance Exam Basics
General Information
The state of California uses PSI Services to administer itsinsurance agent licensing. This means that you can register and book all of your licensing examinations through thePSI website. Your test can be carried out online or in person.
Each major insurance line examination includes both general and state-specific material.
The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the California insurance regulations and laws that you will need to know in order to operate as an insurance agent.
Score Explanation
As soon as you finish your insurance exam, you will see a “pass” or “fail” score; a score report will also be emailed to you.
If you failed your exam, your score report will include a diagnostic report that will show you how many questions you answered correctly. This can help you identify your strengths and weaknesses for any future re-examination attempts.
You can request a duplicate score report by emailing PSI atscorereport@psionline.com. Keep in mind that you will need to include your name, examinee ID number, and confirmation number.
Note:You will need to obtain a score of 60% or higher in order to pass your insurance license exam(s) in California.
Cost
YourCaliforniainsurance license exam costwill depend on the number of examinations that you take. Keep in mind that there is a $33 convenience fee for in-person examinations:
| Examination | Cost | TimeAllowed |
| Life, Accident & Health or Sickness | $55 | 195 Minutes |
| Property & Casualty | $55 | 195 Minutes |
| Life | $55 | 105 Minutes |
| Personal Lines | $55 | 135 Minutes |
Note: You should focus onone exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.
Recommended Course
Over 81% of our readers use ExamFX’s online courses — which come with a money-back guarantee — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:
California Life and Health Insurance Exam
Below you can find the content outline offered by PSI.
We recommend using it as achecklistwhen working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.
Life Agent Examination Objectives
75 questions
I. General Insurance
A. Basic Insurance Concepts and Principles
B. Contract Law
C. The Insurance Marketplace
II. Life Insurance
A. Life Insurance — Basics
B. Types of Life Policies
C. Annuities
D. Life Insurance and Annuities — Policy Replacement and Cancellation
E. The Individual Life Insurance Contract
F. Taxation of Life Insurance and Annuities
G. Group life Insurance Plans
H. Social Security Disability Program
I. Individual Underwriting, Pricing, and Claims
III. Life Policy Riders
California Accident and Health or Sickness Examination
75 questions
I. General Insurance
A. Basic Insurance Concepts and Principles
B. Contract Law
C. The Insurance Marketplace
II. General Concepts of Medical and Disability Insurance
A. General Concepts
III. Medical Expense Insurance
A. Individual Insurance
B. Group Medical Expense Insurance
C. Patient Protection and Affordable Care Act (PPACA)
D. Senior Health Products
IV. Disability Income Insurance
Individual Disability Income Insurance Underwriting, Pricing, Claims
V. Long-Term Care Insurance
A. Long-Term Care
We recommend reading our in-depthHow to Pass the Life Insurance Examguide for a better overview.
California Property and Casualty License Exam
Below you can find the content outline offered by PSI.
You should use this outline as achecklistwhen working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.
California Property Examination
75 questions
I. General Insurance
A. Basic Insurance Concepts and Principles
B. Contract Law
C. The Insurance Marketplace
D. Legal Concept: Tort Law
II. Property Insurance
A. Property Basics
B. Policies
C. Classes of Insurance
III. Personal Lines Insurance
A. Insurance on Residential Properties
B. Homeowners’ Insurance Valuation
C. Liability Coverage
D. Government Risk Pools for Catastrophic Events
E. Fire Mitigation and How It Affects Insurance Costs
F. Inland Marine Risks
IV. Commercial Insurance
A. Businessowners Policy (BOP)
B. Property Insurance
C. Commercial Package Policy (CPP) Program
V. Pet Insurance
A. Definitions
B. Pet Insurance Basics
C. Disclosures
D. Administrative Proceedings
California Casualty Examination
75 Questions
I. General Insurance
A. Basic Insurance Concepts and Principles
B. Contract Law
C. The Insurance Marketplace
D. Legal Concept: Tort Law
II. Casualty Insurance
A. Casualty
B. Policies
C. Classes of Insurance
III. Personal Lines Insurance
A. Insurance on a Residence
B. Marine
C. Personal Auto
D. Umbrella and Excess Liability Insurance
IV. Commercial Insurance Coverages
A. ISO Commercial Lines Insurance Programs
B. Casualty Insurance
C. Surety Bonds and General Bond Concepts
We recommend reading ourProperty and Casualty Insuranceexam article for a more in-depth overview.
How to Pass the California Insurance Exam
Passing your California insurance exam ultimately comes down to your mindset and degree of preparation.
We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.
Get a Pre-License Course
Getting a pre-license course can go a long way in helping you get accustomed to the prolific amount of content that you will have to memorize. It is also a legal requirement in the state of California.
We recommend ExamFX’s course because it offers a variety of helpful features, including:
- Online exam simulations
- Live online training
- Printable study guides
- End of chapter reviews
For more information, we recommend reading ourExamFX Insurance Course Review.
Make Enough Time to Study
Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.
Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.
We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the materialat least twice.
Control Test Anxiety
Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:
- Establish a consistent pretest routine— Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
- Get plenty of sleep— Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
- Study effectively— This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
- Arrive early— If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.
For a more in-depth overview of how you can prepare for your California insurance exam, we recommend reading ourHow to Pass the Insurance Examarticle.
Getting Your California Insurance License
Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.
You can apply for your license up to 12 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the CDI, you are totally free to do that.
After you have passed your insurance licensing exam, you will need to:
- Complete a fingerprint and background check
- File your licensing application
- Wait for your application to be reviewed
Have a look at ourHow to Become an Insurance Agent in Californiareview for more information on all the steps that you will need to take after passing your insurance exam.
California Department of Insurance Contact Information
Mailing Address:
Producer Licensing Bureau
320 Capitol Mall
Sacramento, CA 95814
Phone:(800) 967-9331
Email:Contact Form
Website:https://www.insurance.ca.gov/
License Search:California Insurance License Status Inquiry
California Insurance Exams FAQ
How often do I have to renew my license?
You will need to renew your license every two years in order to continue operating as an insurance agent in California. For more information, see our guide onHow to Renew Your Insurance License in California.
How long is the California insurance exam?
It depends on the exam you are taking. The California insurance exams can be anywhere between 98 and 210 minutes long.
How many times can you take the California insurance exam?
In California, a candidate that fails any insurance licensing examinationten timeswithin a 12 month period is barred from taking the same exam for 12 months.
How many questions are on the California insurance exam?
This will depend on the exam in question. The number of questions in a California insurance exam can range anywhere between 60 and 150 questions.
