You must be 18 or older and have a Social Security number. A criminal record isn't an automatic disqualification, but it goes to review and can affect the outcome.

California insurance code and ethics: twelve hours, about three days if you sit down with it. $219.95 at list price, plus a $6 filing fee. For the team price, contact us.

Plenty of online guides still say 32 hours (20 + 12). That was the rule through the end of 2025. Under AB 943, from January 1, 2026 it is these twelve, one of them anti-fraud.

Offered in both Chinese and English. 75 scored questions in one hour 45 minutes; 45 correct (60%) to pass. A few unscored trial questions are mixed in. You can't tell which ones they are, and they use up exam time too, so answer every question as if it counts. PSI runs the exam, and the next seat is usually about a week out, so book it with PSI the moment you finish the course.

The chapter-by-chapter key points and the California figures to memorize are in this app.

Prints are taken and run against federal and California records. Do it the same day as the exam: one trip instead of two, and several days saved. Download the Live Scan form (BCIA 8016) first; the Department of Insurance codes are already printed on it, so just add your details and bring it.

You apply for your National Producer Number (NPN) at the same time. The California license is $188 for two years, approved in roughly ten business days. One exam, good across all 50 states, which is why the license is yours to carry wherever you go.

Apply online at Sircon. After you apply, check the license status on the Department of Insurance site; the license number shows up there once it's approved. Then download the e-license.

Professional liability insurance. Not optional: carriers won't contract you without it. NAPA has a plan for agents licensed less than two years (commission income under $100,000): $1 million per claim, $3 million a year in total. $355 a year for life and health only, or $434 a year including fixed and indexed annuities. Apply online in a few minutes and get proof of coverage right away.

Once the license and E&O are both approved, you can contract with carriers. To contract with several carriers, contact us directly.

The annuity course is about $50 (around 15 minutes). After that, every two-year renewal requires continuing education, about $70 (around 30 minutes). This one recurs. It's a cost of practicing, not a one-time fee. Once the CE is done, renew on Sircon as well.