California

Yes

Yes

Within 14 days of first business submission (L/H)Within 15 days of appointment effective date (P/C)

Life/Health/Annuity lines permit JIT appointments; appoinments must be submitted within 14 days of the date the first piece of business is submitted to the carrier. Property/Casualty lines DO NOT permit JIT appointments; Property/Casualty appointments must be submitted prior to the solicitation of business. The appointment must be submitted to the DOI within 15 days of the appointment effective date, which is determined by the carrier and listed on the appointment form

Yes

$32

$32

Yes

Yes

No

Yes

Required and is the date supplied on transaction, must not be in the past.

No, perpetual

No fees

No

Yes

Yes

Voluntary termination; inadequate production; cancelled by general agent; death; company defunct or liquidation; company indebtedness; poor policyholder service; agent moved

Yes

Required and is the date supplied on transaction. Must not be in the future

There is no grace period on license expiration. If license expires, appointments must be renewed with appropriate forms and fees

$32

No

Email notices are permitted

Resident New License Insurance Producer: $188 (all LOAs other than those specified) Resident New License Insurance Producer: $188 (Life-Only Agent and/or Accident and Health Agent) Resident New License Insurance Producer: $188 (Property Broker Agent and/or Casualty Broker Agent) Resident New License Insurance Producer: $188 (Personal Lines Broker Agent) Resident New License Insurance Producer: $646 (Surplus Lines Broker, Special Lines SL Broker) Resident New License Personal Lines Broker: $188 Nonresident New License Insurance Producer: $188 (all LOAs other than those specified) Nonresident New License Insurance Producer: $188 ( Life-Only Agent and/or Accident and Health Agent) Nonresident New License Insurance Producer: $188 (Property Broker Agent and/or Casualty Broker Agent) Nonresident New License Personal Lines Broker: $188

Resident Renewal Insurance Producer: $188 Resident Renewal Insurance Producer: $188 Resident Renewal Insurance Producer: $188 Resident Renewal Insurance Producer: $188 Resident Renewal Personal Lines Broker: $188 Nonresident Renewal Insurance Producer: $188 Nonresident Renewal Insurance Producer: $188 Nonresident Renewal Insurance Producer: $188 Nonresident Renewal Personal Lines Broker: $188

90 days before expiration

Last day of license anniversary month every 2 years based on year of first state license issue

90 days before expiration

Last day of license anniversary month every 2 years based on year of first state license issue

Late renewal allowed up to one year after expiration

No

No

Residence, Business, and Mailing

Resident Vehicle Service Contract Provider-Agency, Nonresident Vehicle Service Contract Provider-Agency, Life/Disability, Independent Adjuster, Property & Casualty, Public Adjuster, Resident Title Marketing Representative, Reinsurance Intermediary Broker, Reinsurance Intermediary Manager, Adjuster, Crop Adjuster, Resident Insurance Producer, Resident Per Lines Broker-Agent, Nonresident Per Lines Broker-Agent, Resident Credit Insurance Agent, Nonresident Credit Insurance Agent, Resident Life Settlement Broker, Bail, Apprentice Public Adjuster, Nonresident Life Settlement Broker, Nonresident Insurance Producer

No

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Following the California update to the uniform Producer Licensing Model Act on 5/27/2022, California will include broker licensing under LC 3 Insurance Producer for both residents and nonresidents

Yes

Classroom / monitored self study

Must be submitted upon request

Pre-licensing certificates of completion expire 3 years from the course completion date whether or not license is issued.

Applicants holding one or more of the following designations are exempt from general insurance course requirements: a. Life Underwriting Training Council Fellow (LUTCF); b. Chartered Life Underwriter (CLU); c. Accredited Advisor in Insurance (AAI); d. Chartered Property Casualty Underwriter (CPCU); e. Certified Insurance Counselor (CIC); f. Certified Employee Benefit Specialists (CEBS); g. Chartered Financial Consultant (ChFC); h. Certified Financial Planner (CFP); i. Fellow, Life Management Institute (FLMI); j. Health Insurance Associate (HIA); k. Registered Employee Benefits Consultant (REBC); l. Registered Health Underwriter (RHU); or m. Associate in Risk Management (ARM). Applicants completing the following course requirements are exempt from general insurance course requirements: a. an approved insurance-related course taught by an accredited college or university totaling 15 credit hours; b. an approved course or instruction program created or sponsored by an authorized insurer, recognized agents' association or insurance trade association, or any independent instruction program may qualify for the number of classroom hours assigned by the curriculum board or the Commissioner; or c. an approved correspondence course may qualify for the number of classroom hours assigned by the Commissioner. Life agents are exempt if they are appointed to sell only life insurance or annuities: a. with a face amount of $20,000 or less; and b. designated for the payment of funeral or burial expenses.

All new applicants for the following licenses must complete 20 hours of prelicensing education and 12 hours of ethics and insurance code education: a. property broker-agent; b. casualty broker-agent; c. personal lines broker-agent; d. life agent; e. limited lines automobile agent; and f. accident and health or sickness agent. An applicant is only required to complete one 12-hour course on ethics and the insurance code when seeking a license for more than one of the following license types: a. property broker-agent; b. casualty broker-agent; c. personal lines broker-agent; d. life; or e. accident and health or sickness. An applicant for a property broker-agent or casualty broker-agent license or both who is licensed as a personal lines agent must complete 20 hours of prelicensing study. The applicant will not be required to repeat any personal lines prelicensing requirements

Yes – FBI

Yes, for both Residents and Nonresidents

Accurate Biometrics

PSI Exams

One Year

NIPR Gateway

None

Yes

Yes

A licensee must immediately notify the Commissioner electronically of any change in his/her email, residence, principal business, or mailing address. Contact Change Request supported via NIPR Gateway.

- Individual
- [Business Entity](https://www.insurance.ca.gov/0200-industry/0020-apply-license/0300-business-license/business-entity-faq.cfm#Making)

Individuals may not hold a travel lines license. Business entities must have a limited lines travel license in order to act as a travel insurance agent for one or more insurance carriers.

No

Yes

Yes

The DRLP for Limited Line Automobile Insurance Agent must hold an active Property Broker-Agent AND Casualty Broker-Agent OR Personal Lines OR a single Limited Lines Automobile Insurance Agent license. At least one DRLP for Travel Insurance Agent must ALL actively hold a NONRESIDENT Property Broker-Agent AND Casualty Broker-Agent OR Life-Only Agent AND Accident and Health Agent on PDB.

90 days prior to expiration date until the license expiration date. Late renewal ends one year past expiration date.

Yes

Yes

License not required but branch must be registered

Every licensee is required to immediately notify the Department of Insurance, in writing, of any change in address. The Address Change form available on the state's website must be completed and signed by the LICENSEE or an officer of the business, general partner, or partnership.

Yes

No

AK, AR, AZ, CT, DE, GA, ID, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, SC, UT, VT, WA

AL, FL, HI, IN, NY, OK, OR, PR, RI, TX, WV, WY

No LOA required

Licensing Fee (Two year term): $311 per qualified manager.  Examination Fee: $79

Yes

Fingerprints required

Biennially, on the last day of that same calendar month the license was issued.

No LOA required

$264

No Exam Required

1 Year

Those that complete the apprentice license term of 12 months will meet the experience requirement of 2 years for the California Adjuster license.

Biennially on the last day of that same calendar month the license was issued.

The entity types for a Public Adjuster are: Individual, corporation, partnership, nonprofit corporation, unincorporated association, limited liability company.

No LOA required

Licensing Fee (Two year term): $311 per qualified manager.  Examination Fee: $79

Yes

After an emergency is declared, the qualified licensed adjusters are required to read and understand the CDI’s most recent Notice and guide within 15 calendar days of when that individual began adjusting claims.

Crop Insurance Adjuster

Licensing Fee (Two year term): $311 per qualified manager.  Examination Fee: $79

Yes

Biennially, on the last day of that same calendar month the license was issued.

N/A

Yes

24

2 years

Last day of license anniversary month

Year of first license issuance

Prior to license expiration.

90 days prior to expiration date

90 days prior to expiration date

Any person who is 70 years of age or older, and has been licensed in good standing for 30 continuous years is exempt from completing continuing education to renew Life and/or Fire & Casualty licenses. However, the licensee must still satisfy the California LTC requirement to sell long-term care insurance, as well as the annuities training in order to sell annuity products. [This exemption will no longer be available after the California full adoption of the NAIC Producer Licensing Model Act goes into effect in May 2022].

Licensee has one year to apply for reinstatement under your original license (as well as paying a 50% late fee). Until reinstatement, one can’t transact any insurance business. This doesn't apply to bail agents, who have to reapply as a new applicant if their license is not renewed prior to expiration.

Yes

Yes

Non-ethics credits only

3

Yes

3 hours of NFIP course

8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter; must be specific to California laws, no state equivalents accepted

8-hour initial certification, with 4 hours of annuity-specific training each renewal cycle thereafter; must be specific to California laws, no other state-equivalents accepted, 2-hour course applies to all California life agents, both resident and nonresident, before each license renewal, focusing on individual variable life insurance policies.

P&C insurance licensees selling homeowners insurance must take a one-time state-approved course covering home valuations before transacting business Limited lines auto insurance agents must complete only 20 hours of CE

https://agentsync.io/blog/individual-producers/insurance-continuing-education-california?preview_id=4723&preview_nonce=b6ce041cba&preview=true