CALIFORNIA Continuing Education (CE) Requirements
This information is intended to provide answers to commonly
asked questions by insurance agents. It is not intended to
replace detailed
information found in your state’s statutes and regulations.
Though we have made reasonable efforts to ensure that the information
given is reliable and current, we cannot guarantee that it is.
For more information please contact your state insurance department.
See contact information below.
Hours Required
• Life ONLY Agents and/or Accident & Health Agents 24 CE credits, of which 4 must be in Ethics. Agents may also need LTC or Annuities CE requirements as part of the 24 CE hours if the agent sells those products.
Fire and Casualty Agents If licensed less than four years: 25 hours annually for the first 4 years following original license issuance date, 4 hours of Ethics must be completed within each 2 year period. A one time 3 hours flood insurance requirement may also be needed. If licensed 4 years or more: 30 hours, 4 of which must be ethics, biennially is required. A one-time 3-hour flood requirement may also be needed.
Life, Health and Fire Casualty Agent Combined Licensees If licensed less than four years: 25 hours annually for the first four years following original license issuance date, 4 hours of ethics must be completed within each 2 year period. Agents may also need LTC or Annuities CE requirements if the agent sells those products. A one time 3 hours flood insurance requirement may also be needed. If licensed 4 years or more: 30 hours, 4 of which must be ethics, biennially. Agents may also need LTC or Annuities CE requirements if the agent sells those products. A one time 3 hours flood insurance requirement may also be needed.
Personal Lines Broker-Agent 10 hours including 2 hours of ethics, biennially. A one-time 3-hour flood requirement may also be needed.
Limited Lines Automobile Agent 20 hours including 2 hours of ethics, biennially
.
Compliance Date
• Last day of the license issuance month, biennially.
Personal line agents renew 12/31 biennially.
Approved Course Delivery Methods
• Independent self-study online or written courses Courses for Partnership LTC credit may not be taken through independent self-study.
Classroom
Interactive Online - Courses for Partnership LTC credit may not be taken through the interactive online method
Seminar
Exam Requirements
Self-study final exams do not required a monitor, except for courses approved specifically to meet the 24 hour Coverage requirement, which must be monitored by a disinterested third party (i.e., someone with no business or family relationship to the student). A passing grade of 70% is required on all final examinations.
Course Subject Requirements
• Courses must be approved for the line of insurance for which the agents license is held.
Ethics Requirement: Life, Fire and Casualty are required to complete 4 hours of approved Ethics, biennially. Personal lines agents are required to complete 2 hours of approved Ethics, biennially. The Ethics hours are to be included in the total number of hours required. Agents and brokers not completing the Ethics CE prior to their expiration date of their license will NOT be allowed to renew their license until this requirement as been met.
Annuity 8 Hour Requirement: All California agents who sell annuities must complete an 8 hours state-approved Annuity Training course prior to selling annuities.
Annuity 4 Hour Requirement: In addition to the one-time 8-hour Annuity Training course, agents continuing to sell annuities must complete a 4-hour state-approved Annuity CE course each subsequent compliance period.
Long Term Care: Individuals who sell long-term care products in California must complete 8-hours of California LTC annually for the first four years, then eight hours biennially thereafter.
California Partnership Long Term Care: Individuals who sell California Partnership for Long-Term Care products must obtain eights hours of specific partnership LTC and eight hours of California-approved LTC credits before soliciting. Thereafter, eight hours in each type of LTC CE courses must be completed biennially. However, a new licensee must complete eight hours of California-approved LTC annually for the first four years of licensure, and eight hours in partnership LTC biennially. These courses apply toward the completion of the basic CE requirement.
Flood Requirement: All California licensed Fire/Casualty Broker-Agents and Personal Lines Broker-Agents who sell federal flood insurance policies shall be required to complete a one-time 3-hour requirement on flood insurance.
Life agents who wish to sell the combined Group Health and Workers Compensation plan known as "24 Hour Coverage" must complete a specific, California-approved, four-hour course before solicitation. This course will only need to be taken once, and the credits can be used to meet the basic CE requirement
.
Carryover Credits
Life agents and Fire and Casualty broker-agents who have been licensed for at least four years may carry over a maximum of 30 hours, however these must have been earned in the second half of the reporting period.
Course Repetition
Courses (including California-specific LTC courses) may not be taken for credit more than once in a reporting period.
Exemptions
Agents who are 70 years or older and have held a California insurance license in good standing for 30 years or more. These agents must still meet the long-term care and CA Partnership long-term care requirement if they choose to solicit long-term care products.
Credit Reporting
Cape will report credits to the California Department of Insurance with in 30 days of course completion. A course completion certificate will be issued for each course successfully finished for the agents records.
Contact Information:
If you have any questions regarding renewal or credits, please
contact:
California Insurance Department
License Bureau
320 Capitol Mall
Sacramento, CA 95814-4309
(800) 967.9331
http://www.insurance.ca.gov/docs/index.html
Contact Cape:
Cape School, Inc.
P.O. Box 169
Buckingham, VA 23921
Phone: 800-729-7363
Fax: 888-303-1828
Or email us at the left
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