California Insurance Code & EthicsQuestion 81 of 716
A 17-year-old applicant scores 95% on the agent exam and passes a background check. Can the Department issue a resident life agent license?
a.Yes, because passing the background check waives the statutory age minimum
b.Yes, because a passing exam score is the only licensing requirement
c.No, because California requires a producer to be at least 18 years old
d.Yes, if a parent or guardian co-signs the license application
Explanation
§1633 sets minimum qualifications including age 18+ to be licensed as a producer in California. Exam scores and background checks cannot waive the statutory minimum age.
Law Reference: Cal. Ins. Code §1631, §1633This 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)