California Insurance Code & EthicsQuestion 66 of 716
Under California Insurance Code definitions, an insurance broker represents whom in a transaction?
a.The Commissioner as a state agent
b.The insurer issuing the policy
c.Both parties equally as a neutral
d.The insured (the consumer)
Explanation
Cal. Ins. Code §33 defines a broker as a person who transacts insurance on behalf of an insured. By contrast, an agent (§31) is authorized to act on behalf of an insurer.
Law Reference: Cal. Ins. Code §31, §33This 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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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)