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How to Renew a California Insurance License

California Department of Insurance

Helpful Links

ph: (916) 322-3555 / (800) 967-9331

fax: (916) 445-5280

email: producerlicensing@insurance.ca.gov

website: http://www.insurance.ca.gov

Find your license number

Print your license

View your CE transcript

File a renewal application

1. Review the State Requirements

In order to renew your insurance license, you must complete the required continuing education hours for the lines of insurance that you are licensed in. All of the hours must be completed and reported prior to your license renewal date to avoid a lapse in your license.

GENERAL REQUIREMENTS:

Total Hours

24 hours biennially for Producers and Adjusters (except 20 hours for Limited Lines Automobile Producers)

Compliance Renewal Date

Renewal date is the last day of the license issuance month biennially. When adding a new line of authority, the renewal date is based off of the date of the issuance of the original license.  The renewal date for Personal Lines Agents licensed prior to 1/1/2009 is 12/31 biennially. Independent and Public Adjusters renew on 5/31 of even numbered years.

You may also need to take specific courses or earn specific credit types to renew your license. These course completions will count toward the total hour requirement.

LINE-SPECIFIC REQUIREMENTS:

Hours must be taken in license type held. If multi-licensed, any course is allowed.

For All Licenses:

Ethics
3 hrs - Producers & Adjusters must complete 3 hrs of Ethics as part of the total requirement

For Life & Health Producers:

Annuity Suitability
8 hrs / 4 hrs - Producers must complete an 8-hour Annuity Suitability Certification Training prior to selling, soliciting, or negotiating annuity products in California. After completing the initial requirement, producers must complete a 4-hr ongoing annuity certification training every renewal thereafter.

Long-Term Care
8 hrs - Before selling, soliciting or negotiating Long-Term Care (LTC) products, producers licensed in Accident & Health or Sickness must complete 8 hours of initial Long-Term Care (LTC) Certification Training. Producers licensed less than 4 years must complete an additional 8 hours of training each year without duplicating courses within the same two-year license term. Once licensed for more than 4 years, only one LTC course must be completed each licensing term.

Long-Term Care Partnership
8 hrs - Producers must complete 8 hours of Long-Term Care Partnership (LTCP) Certification Training prior to selling, soliciting, or negotiating LTCP products/policies and 8 hours biennially thereafter. Classroom Only.

For Property & Casualty Producers:

Flood
3 hrs - Property/Casualty producers must complete a one-time 3-hour course on NFIP Flood Insurance Certification Training prior to selling flood insurance policies.

Homeowners Insurance Valuation
3 hrs - Property/Casualty and Personal Lines producers who sell or negotiate homeowners insurance are required to complete a one-time homeowners valuation training course.

There are also additional rules about how the course hours can be applied.

CARRYOVER HOURS:

Excess hours can be carried forward to next renewal period. Excess hours completed after expiration date do not carry forward to next renew period.

COURSE REPETITION:

Courses may not be taken more than once in each renewal period

If you meet any of criteria below, you may be exempt from the continuing education requirements.

EXEMPTIONS:

  • Agents who are 70 years or older and have had a California insurance license for 30 or more continuous years (does not exempt from product-specific training for Annuities or LTC)
  • Life Agents claiming funeral exemption (selling less than $15,000 of insurance)
  • Individuals who have held a Life Agent license for at least one your or who obtained a Life Settlement Broker license prior to 7/2/2010 are exempt from the 15 hour Life Settlement Broker Training requirement (does not exempt from Life Agent CE requirements)
  • Non-residents licensees are exempt from California CE requirements except for those selling annuities or Long Term Care products

2. Register for and Complete Courses

Once you have determined the renewal requirements for your license, you can register for courses. Each course has an associated credit type; when registering for courses, select courses with credit types that will help to fulfill the renewal requirements for your license.

PreLicenseTraining.com offers classroom, webinar, online, and self study courses for California. You can register for courses at CE Courses.

You must fulfill the course requirements for each of the courses to have them reported.

  • Classroom and webinar course completions are based off of attendance and participation and do not require a completion exam. You must be present for the full duration of the course and be active and attentive throughout to receive credit.
  • Online and Self Study courses are self-paced. You must review the course material and pass the Certification Exam at the end to receive credit.

MONITOR REQUIREMENTS:

Online and self study exams do not require a monitor.

REPORTING METHOD:

Once a course has been completed, the completion must be reported to the state. PreLicenseTraining.com will report the course completions to CDI.


3. File a Renewal Application

Once you have satisfied the renewal requirements for your license, you can file a renewal application at www.sircon.com.


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