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Insurance Producer — Life & Health in California

California Department of Insurance (CDI)

California administers the Life & Health insurance producer exam through PSI as one combined 150-question test — 75 Life items and 75 Accident & Health items — with a 60% (90/150) pass mark and a 195-minute limit. California is one of the few states to offer the written insurance exam in English, Spanish, Chinese, Vietnamese and Korean, so a candidate can take the real test in their native language. Before scheduling you must complete California prelicensing education (20 hours per line plus a 12-hour state ethics & code course under AB 943). Our practice questions cover the national Life & Health core plus California insurance law, in all five of those languages, to help you prepare for the real exam.

📋 Exam facts

Real California exam administration — from the official source

Practice questions (this site)
497
Testing agency
PSI
Real written-test languages
English · Spanish · Chinese · Vietnamese · Korean
To pass
One combined 150-question exam (75 Life + 75 Accident & Health); 60% (90 correct) to pass
Fee
To confirm
Exam structure
One combined 150-question exam (75 Life + 75 Accident & Health), 195-minute limit
Prelicensing education
20 hours per line + a 12-hour state ethics & code course (AB 943)
License term
2 years; 24 CE hours (incl. 3 ethics) per renewal
Schedule / register ↗Official source ↗

✍️ Reviewed by the PassPrep editorial team · How we verify →

🎯 Practice for the California exam

Your California real-estate exam covers national real-estate principles plus California state law. Practice each layer below — the exam is administered in English; Chinese & Spanish here are study aids.

National portion

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California state law

📚 Study📝 Mock exam

Jobs and next steps

Related path

Customer Service Representative / Call Center Agent

BLS says customer service representatives who provide finance or insurance information may need a state license. When a role crosses into selling, soliciting, or negotiating Life & Health insurance, producer licensing applies; a general customer-service job may not require it. This is a state-variable insurance specialization path, not a universal customer-service entry requirement.

Requirements vary by state and locality. Check the authority for where you plan to work.

View Customer Service Representative / Call Center Agent job guide
Why this is linked: Customer Service Representative / Call Center Agent

BLS says customer service representatives who provide finance or insurance information may need a state license. When a role crosses into selling, soliciting, or negotiating Life & Health insurance, producer licensing applies; a general customer-service job may not require it. This is a state-variable insurance specialization path, not a universal customer-service entry requirement.

state finance/insurance customer-service licensing; duties and lines of authority vary

Official or authoritative source:

Reviewed 2026-08-22

PassPrep is an independent study resource. It is not a government agency, state board, NHA, CTEC, IRS, employer, or testing provider.

Required to enter

Insurance Sales Agent (Life & Health)

Insurance sales agents must hold the appropriate state producer license for the lines they sell. The Life & Health study vertical prepares users for the governed exam path but does not itself grant a license; prelicensing, exam, application, and appointment requirements vary by state.

Requirements vary by state and locality. Check the authority for where you plan to work.

View Insurance Sales Agent (Life & Health) job guidePractice English for this job — Insurance Sales Agent (Life & Health)
Why this is linked: Insurance Sales Agent (Life & Health)

Insurance sales agents must hold the appropriate state producer license for the lines they sell. The Life & Health study vertical prepares users for the governed exam path but does not itself grant a license; prelicensing, exam, application, and appointment requirements vary by state.

state producer licensing; requirements vary by state and line of authority

Official or authoritative source:

Reviewed 2026-08-22

PassPrep is an independent study resource. It is not a government agency, state board, NHA, CTEC, IRS, employer, or testing provider.

Fees vary and change often (shown as “to confirm” where not yet verified from an official source). Real written-test languages are the languages a state's official candidate bulletin confirms — study aids in other languages do not change the official exam languages. Confirm current fees, prelicensing hours, scheduling and rules with your state's department of insurance or its testing vendor before you register.