A resident California life-only or accident & health licensee (renewing after the first license cycle) must complete how many hours of continuing education during each two-year license period?

Explanation

California Insurance Code §1749.3 and the CDI regulations require resident producers to complete 24 hours of continuing education during each 2-year license renewal cycle, INCLUDING at least 3 hours specifically devoted to ethics. NEW licensees in life-only or A&H lines must take additional first-year courses (e.g., 20 hours of basic insurance courses in the first license period, plus annuity training (8 hours) before selling annuities, and LTC training (8 hours initially, then 4 hours every 2 years) before selling LTC). The renewal-cycle requirement of 24 hours every 2 years is the steady-state rule. The 12-hour figure is too low. The 40-hours-including-8-hours-of-ethics figure overstates the requirement. And the statement that no continuing education is required after initial licensing is wrong — CE is required for license renewal under §1749, and failure to complete it results in non-renewal.