California Life & Health Insurance License Practice Exam
150 practice questions covering national life & health concepts and California-specific regulations.
About the California Life & Health Insurance Exam
To get your California Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $33–$77 per exam. California is regulated by the California Department of Insurance (CDI) under California Insurance Code. Visit insurance.ca.gov for official licensing information. Live Scan fingerprinting required (at most post offices, UPS stores, Walgreens); largest insurance market in the US; Commissioner ELECTED; separate Life and A&H exams; California Insurance Code is extensive; CDI directly approves pre-licensing providers.
Pre-licensing education in California: 20 hours Life + 20 hours A&H = 40 hours total. Continuing education: 24 hours biennial. License renewal fee: $188–$271 biennial. CE must be completed before submitting your California renewal application. How to get licensed in California: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for California producer license.
How to get a California Life & Health insurance license in 2026: The California Department of Insurance (CDI) (insurance.ca.gov) administers all producer licensing in California. Exam: PSI Services LLC, $33–$77 per exam, 70%. Pre-licensing: 20 hours Life + 20 hours A&H = 40 hours total. Once licensed, maintain your California Life & Health license by completing 24 hours biennial and paying the $188–$271 biennial renewal. For questions contact the California Department of Insurance (CDI).
California CDI (insurance.ca.gov). Commissioner ELECTED (unique — most states have appointed). Live Scan fingerprinting at CDI-approved locations. California Insurance Code governs all. Pre-licensing: 20 hrs Life + 20 hrs A&H. CDI directly runs licensing (not always through PSI for some functions). Large diverse market.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — California L&H Insurance Exam
How do I get a California Life & Health insurance license?
To become a licensed Life & Health producer in California: (1) Complete any required pre-licensing education (20 hours Life + 20 hours A&H = 40 hours total); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($33–$77 per exam, 70%); (4) Apply for your California producer license. The California Department of Insurance (CDI) (insurance.ca.gov) oversees all insurance producer licensing in California.
What exam does California use for Life & Health insurance licensing?
California uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $33–$77 per exam. Passing score: 70%. Live Scan fingerprinting required (at most post offices, UPS stores, Walgreens); largest insurance market in the US; Commissioner ELECTED; separate Life and A&H exams; California Insurance Code is extensive; CDI directly approves pre-licensing providers.
Does California require pre-licensing for Life & Health insurance?
20 hours Life + 20 hours A&H = 40 hours total. For official pre-licensing provider information, visit insurance.ca.gov.
What are California's CE requirements for Life & Health producers?
California requires: 24 hours biennial. Renewal fee: $188–$271 biennial. CE must be completed before submitting the renewal application. Contact the California Department of Insurance (CDI) at insurance.ca.gov for CE provider information.
What makes California unique for Life & Health insurance licensing?
Live Scan fingerprinting required (at most post offices, UPS stores, Walgreens); largest insurance market in the US; Commissioner ELECTED; separate Life and A&H exams; California Insurance Code is extensive; CDI directly approves pre-licensing providers.