加州财产与意外险执照注册指南

如何获得加州财产与意外险经纪代理人执照——销售汽车、房屋、商业财产、责任险和工伤赔偿保险所需。

快速答案

获得加州财产与意外险经纪代理人执照：完成 52 小时预许可教育（20 小时财产 + 20 小时意外 + 12 小时职业道德），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

FormatMultiple choice, computer-based at PSI testing centers
Questions~150 (combined Property + Casualty)
Time~3 hours
Passing score60% (sectional cuts apply)
License validity2 years (24 hours CE per renewal, 3 ethics)
Application fee$229 to CDI
Exam fee$54 to PSI per attempt
Languages (AB 451)English, Spanish, Vietnamese, Chinese (Mandarin), Korean

分步流程

1

完成预许可教育

20 小时财产 + 20 小时意外 + 12 小时职业道德（共 52 小时，针对财产与意外联合执照）。CDI 认可的在线或现场课程。

52 hours total (20 Property + 20 Casualty + 12 ethics)
2

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。

insurance.ca.gov · $229 · Live Scan required
3

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。

psiexams.com · ~$54 · 150 questions · 3 hours
4

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。

60% to pass · immediate results
5

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。

License inactive until insurer appointment

联系方式与资源

CDI Producer Licensinginsurance.ca.gov · (800) 967-9331
PSI Exam schedulingpsiexams.com · (855) 579-4632
CDI License Lookupcdi.ca.gov/licensing
AB 451 Multilingual Resourcesinsurance.ca.gov
IIABCal (CA agents association)iiabcal.org
PIA of California (Professional Insurance Agents)piaca.org

Frequently Asked Questions

Who needs a California Property & Casualty Broker-Agent license?+

Anyone in California who sells auto, homeowners, dwelling/rental, commercial property, liability, or workers' compensation insurance must hold a P&C Broker-Agent license issued by the California Department of Insurance (CDI).

How much does the California P&C 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?+

20 hours Property + 20 hours Casualty + 12 hours ethics = 52 hours total for the combined P&C license. Property-only or Casualty-only licenses each need 20 hours + 12 hours ethics.

What is the passing score?+

60% — sectional cuts apply. You must pass each section, not just the overall.

Is the California P&C 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.

Can I hold both a Life & A&H license and a P&C license?+

Yes. Many California agents hold both. Each requires separate pre-licensing hours and exam, but you can apply to CDI for both simultaneously.

Last updated: May 2026