California Insurance Code & EthicsQuestion 56 of 158
As of January 1, 2026, what pre-licensing education must a California personal lines broker-agent applicant complete before the license is issued?
a.Only the 12-hour Ethics and California Insurance Code course (the per-line hours were repealed by AB 943)
b.No pre-licensing education of any kind
c.20 hours of personal lines pre-licensing plus 12 hours of ethics
d.52 hours total, the same as the full Property & Casualty license
Explanation
Effective January 1, 2026, AB 943 repealed California's per-line pre-licensing hour requirements for personal lines (and Life, Accident & Health, Property, and Casualty). The only pre-licensing education still required before the license is issued is the 12-hour Ethics and California Insurance Code course from a CDI-approved provider. Continuing education (24 hours per 2-year renewal, including 3 ethics hours) is separate and still applies.
Law Reference: AB 943 (eff. 1/1/2026); Cal. Ins. Code §1749Practice all 158 questions free — no signup required.
Related questions on this topic
- Which of the following best describes the California Insurance Commissioner?
- A producer is asked which California regulator oversees Health Maintenance Organization (HMO) plans, as opposed to traditional indemnity insurers. The correct answer is:
- Which of the following is a violation of the Unfair Claims Settlement Practices statute (§790.03(h)) in a personal lines context?
- Under the claims file documentation rule in Title 10 CCR §2695.3, an insurer must maintain claim file documents in a form that:
- An auto insurer waits four months without responding to repeated written inquiries from an insured about coverage on a covered collision claim. Under §790.03(h)(5), this constitutes:
- After accepting a homeowners claim, an insurer denies coverage based on a policy provision that, on the facts, clearly does not apply. Under §790.03(h)(13), this conduct is best characterized as:
Last reviewed: · editorial process
Sen Lin, PrepPass Founder · Verified against California Personal Lines Insurance License Exam · How we review