California Insurance Continuing Education (CE) Requirements
Life Agents:
Effective January 1, 2025, resident and nonresident life agents licensed on or after January 1, 2024, must complete 4 CE hours of life insurance training before selling individual life insurance policies (excluding term life with no cash value). This requirement can be fulfilled by taking the course titled "2025 Life Insurance Policies 4-Hour."
Variable Life Agents:
Starting January 1, 2025, agents selling individual variable life insurance policies must complete 2 CE hours of training before each license renewal. This applies to licenses issued or renewed after January 1, 2025. The course titled "2025 Variable Life 2-Hour" satisfies this requirement.
Life Settlement Brokers:
Individuals not licensed as resident or nonresident California life agents or who have held their California life agent license for less than a year must complete 15 CE hours related to life settlements and transactions before acting as life settlement brokers. This requirement can be met through the course titled "Life Settlement Broker Training Course."
Property, Casualty, or Personal Lines Agents: Homeowners Insurance Valuation Training:
Agents must complete 3 CE hours of training before estimating the replacement value of structures or explaining coverage levels under a homeowners' insurance policy. This one-time training requirement can be completed through the course titled "Homeowners’ Insurance Valuation Course."
Agents and Brokers: Anti-Fraud Training:
One CE hour of anti-fraud training, included as part of ethics study, is required for license renewal. The California Department of Insurance provides this training for individuals who meet other CE requirements. The course titled "Anti-Fraud 1 Hour Course" fulfills this requirement.
Annuity Training Requirements:
- Ongoing Training: Complete 4 hours every two-year license term after the initial training.
- New Requirement (Effective January 1, 2025): Compliance with California annuity best interest training requirements is mandatory before selling, soliciting, or negotiating annuity products. This can be achieved through the course titled "8 Hour Annuity Training Course."
Long-Term Care (LTC) Training Requirements:
- Initial Training: Complete 8 hours of one-time training before selling LTC products.
- Ongoing Training:
- For producers licensed 4 years or less: Annually for the first 4 years.
- For producers licensed more than 4 years: Every two-year license term.
Agents must hold a current Life Accident and Health Insurance Agent license and complete the 8-hour training requirement. Life-only agents can sell LTC as a rider on full life policies but must also meet the 8-hour training requirement. The course titled "Long Term Care" satisfies these requirements.
Long-Term Care Partnership (LTCP) Training:
- Initial Training: Complete 16 hours (8 in a state-approved classroom and 8 via self-study) before selling LTCP products.
- Ongoing Training: Complete 8 hours every two-year license term in a state-approved classroom.
Both residents and non-residents must meet these requirements before selling, soliciting, or negotiating LTC or LTCP products.
Flood Training Requirements:
- Initial Training: Complete 8 hours of one-time training before selling annuity products.
- NFIP Flood Training: Complete 3 hours of one-time training before selling flood insurance products. Licensees must hold a property line of insurance to receive CE credit for flood courses. This requirement can be fulfilled through the course titled "NFIP Flood Training Course."
