General Insurance PrinciplesQuestion 199 of 716
An insurer that has been issued a Certificate of Authority by the California Department of Insurance is classified as:
a.Captive
b.Non-admitted
c.Surplus lines
d.Admitted
Explanation
An admitted insurer holds a Certificate of Authority from the California Department of Insurance and may transact insurance in California. Non-admitted insurers do not hold the certificate; their policies may be placed only through surplus-lines rules and are not covered by the California Life and Health Insurance Guarantee Association.
Law Reference: Cal. Ins. Code §24This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)