The first step in getting your insurance license is determining what type of insurance agent you want to be, or what types of policies you need to sell. That will help you figure out what type, or types, of insurance licenses you need to get. Then, it’s time to begin studying. After completing all of your pre-license coursework or self-study you’ll need to take your insurance exam. You’ll take one exam for each line of insurance you wish to carry, although Life, Accident & Health and Property & Casualty (P&C) lines are combined as one test each, so you wouldn’t take four tests, you would only take two altogether. You must pass your exams within one year of completing your pre-license education course.
California requires that all insurance license applicants provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts.
Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.