加州人寿与意外健康代理人执照注册指南
如何获得加州人寿与意外健康代理人执照——销售人寿保险、年金、健康/伤残/长期护理产品所需。
获得加州人寿与意外健康代理人执照：完成 12 小时职业道德与加州保险法课程（截至 2026 年，AB 943 已取消各险种的预许可学时要求），在 insurance.ca.gov 向 CDI 申请（$229），完成 Live Scan 指纹采集，通过 PSI 在 psiexams.com 预约约 150 道题、约 3 小时的考试（$54，60% 通过），通过后由认可保险公司任命方可销售。AB 451 要求提供英语、西班牙语、越南语、中文（普通话）和韩语版本。
考试事实
分步流程
完成预许可教育
仅需完成 12 小时职业道德与加州保险法课程（AB 943 已自 2026 年起取消各险种预许可学时）。CDI 认可的在线或现场课程。
向 CDI 提交申请
在 insurance.ca.gov 在线申请，支付 $229 费用，完成 Live Scan 指纹采集（约 $58）用于背景调查。
通过 PSI 预约考试
在 psiexams.com 预约。每次尝试 $54。约 150 道选择题（联合执照），约 3 小时。计算机考试。
通过考试
60% 通过分数（部分有分段要求）。考试结束后立即显示成绩。失败后等待规定时间可重考。
获得保险公司任命
执照在 CDI 颁发后处于无效状态，直至已认可保险公司向 CDI 提交任命方可销售。
联系方式与资源
Frequently Asked Questions
Who needs a California Life & Accident-Health Agent license?+
Anyone in California who sells life insurance, annuities, health insurance, disability insurance, or long-term care insurance must hold a Life & A&H Agent license issued by the California Department of Insurance (CDI).
How much does the California Life & A&H license cost?+
Roughly $400-500 total before commissions: $229 CDI application fee + ~$54 PSI exam fee + ~$58 Live Scan fingerprinting + $40-100 pre-licensing course.
How long does it take to get licensed?+
Typical timeline: 1-2 weeks for pre-licensing, schedule the exam within 30 days, results immediate, license issued within 2-4 weeks of passing — total 4-8 weeks.
How many hours of pre-licensing education are required?+
As of January 1, 2026, California removed the 20-hours-per-line prelicensing requirement (AB 943). Only the 12-hour Ethics and California Insurance Code course is still required — from a CDI-approved provider, before the license is issued.
What is the passing score?+
60% — sectional cuts apply. You must pass each section of the combined exam, not just the overall score.
Is the California insurance exam available in Spanish, Chinese, or Vietnamese?+
Yes. AB 451 (2018) legally requires CDI to offer producer license exams in English, Spanish, Vietnamese, Chinese (Mandarin), and Korean.
How often must I renew my license?+
Every 2 years. You must complete 24 hours of continuing education per renewal cycle, 3 of which must be ethics.
Last updated: August 2026
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