California Life Insurance Policies 4-Hour Training and Continuing Education

continuing education individual courses

California Life Insurance Policies 4-Hour Training

California insurance producers selling cash value life insurance policies (not term insurance) must complete 4 hours of training before soliciting individual consumers to buy life insurance other than term life. ExamFX is an approved provider under the "2025 Life Insurance Policies 4-Hour" category. The course will:

  • Fulfill the 4-hour training requirement for insurance producers who are selling cash value life insurance policies (not term insurance).
    • Applies to life producers licensed since January 1, 2024. Anyone licensed before January 1, 2024 is not subject to this requirement.
  • Earn 4 hours of continuing education toward license renewal.

 

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Course Overview

Who is required to take this course?  

  • Life producers licensed on or after January 1, 2024, who sell cash-value life insurance products other than term life to individual consumers, must complete this training by January 1, 2025. 
  • Starting January 1, 2025, all newly licensed Life and Life & Health producers will need this course immediately upon being licensed (before they can sell non-term cash-value life policies to individual consumers). 
  • Applies to resident and nonresident producers. 

 

* Life agents licensed before 2024 are NOT REQUIRED to complete this training. 

 

Changes to CA Regulation for selling non-term life insurance policies

Due to new regulation in California, a life agent licensed on or after January 1, 2024, must complete 4 hours of training before soliciting individual consumers to buy life insurance other than term life.    

Found in: California Insurance Code section 1749.81(a), in SB 263 (Dodd, Chapter 2, Statutes of 2024) Insurance: annuities and life insurance policies. This law takes effect on January 1, 2025. Read more

 

How does this affect the sale of life insurance? 

Producers are not allowed to sell, solicit, or negotiate individual cash value life insurance policies on or after January 1, 2025, until they have completed this training. (Note: any life agents licensed before 2024 do NOT need to complete this training.)    

 

This training includes topics related to:  

  • Non-term life policies 
  • California law, regulations, and requirements related to: 
  • Life insurance policies 
  • Prohibited sales practices 
  • Unfair trade practices 

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Continuing Education Individual Courses

Our individual CE courses are designed to service your CE needs. Perfect for self-motivated learners - Study 24/7 with our Interactive Learning Portal, access streamlined exam-specific content and reinforce your new knowledge through multiple quizzes and simulated exams. 

KEY INSURANCE CONTINUING EDUCATION FEATURES INCLUDE:

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View available CE courses and your state's requirements

Your first step for success is to understand your specific state's continuing education requirements for maintaining your insurance license. To see your state's specific available courses and requirements, please follow the link below. You will also find helpful information that you need to know.

VIEW YOUR STATE CE REQUIREMENTS

About ExamFX's Insurance Continuing Education Library

CONTINUING EDUCATION COURSE DESCRIPTIONS

ExamFX offers a library of online Continuing Education courses designed to meet your license renewal requirements while enhancing professional development and expanding your knowledge.

Anti-Money Laundering - Ethical Decision Making For Insurance Producers - 3 Hours

This anti-money laundering course aims to educate agents on their responsibilities as they relate to the USA PATRIOT Act. In their careers, agents must fulfill obligations and responsibilities under the laws designed to limit money laundering.

To that end, agents will study various anti-money laundering laws that have been enacted, steps in money laundering, and red flags that may crop up during business that may lead an agent to suspect money laundering.

Agents will also look at the reports a company may need to file (Suspicious Activity Reports) and statistics regarding the types of reported suspicious activities. They will also learn about Specially Designated Nationals, individuals or companies whose assets are blocked and with whom U.S. persons are generally prohibited from dealing.

Learning Objectives

The purpose of this course is to educate the agent on their responsibilities as they relate to the USA PATIORT Act. Upon completion of this course, an agent will be able to:

Annuity Suitability and Best Interest Standard Training - 4 Hours

This course was designed to satisfy the one-time, 4 credit-hour training course requirements imposed by the Model Act. It provides details about the new “Best Interest” standard and other provisions of the 2019 Model Act. It also includes a thorough review of annuity products: types of annuities, annuity regulation, advantages and disadvantages, taxation, and replacement. Studying and contrasting various types of annuities and reviewing customer situations will improve a producer’s ability to know which annuity products and features best serve a client's financial needs.

Learning Objectives

This course explores topics with an emphasis on how knowledge of these topics impacts the sales process, the determination of suitability, and compliance with the best interest standard. Upon completion of this course, an agent will be able to identify:

Businessowners Policy (BOP) - 4 Hours

This basic level course provides an overview of the Businessowners package policy (BOP) and guides producers in understanding how this policy is used to cover small and medium-sized business risks, including eligibility, features, coverages, exclusions, riders, etc..

Learning Objectives

Upon completion of this course, an agent will be able to:

Commercial Lines: Property/Auto/Liability - 4 Hours

This course reviews different types of commercial policies: their characteristics, coverages, and suitability.

Learning Objectives

Upon completion of this course, an agent will be able to:

Distribution Planning - 4 Hours

This advanced-level course describes the various distribution options available to retirement plan participants, how those distribution options affect income amount and duration, tax considerations, minimum distribution requirements, and all the factors which must be considered when choosing a distribution option.

Learning Objectives

Upon completion of this course, an agent will be able to:

Ethical Practices: Avoiding E&O Claims - 3 Hours

This course reviews agent practices that can lead to errors & omissions claims. Case studies from all lines of insurance, and from all aspects of the insurance transactions from sales approach to application, to claims handling illustrate critical ethical decision points for producers, and demonstrate best practices for avoiding E&O claims.

Learning Objectives

Upon completion of this course, an agent will be able to:

Ethics & Insurance: How to Sell Ethically and Comply with the Law - 3 Hours

This basic-level course is designed to fulfill the Ethics component of a producer’s continuing education requirement. It provides an overview of ethics in the insurance business, including agent responsibilities to the carrier and the consumer. Covered: field underwriting and policy delivery, fiduciary responsibilities, unfair trade practices, unfair claims practices, agent errors & omissions, consumer privacy, compliance vs. ethics. Includes relevant case studies and enforcement actions. Applicable to all lines of insurance.

Learning Objectives

Upon completion of this course, an agent will be able to:

Flood Insurance - 3 Hours

All property is located in a flood zone and vulnerable to flooding under certain situations. According to FEMA, more than 20 percent of flood insurance claims are submitted damaged property located in areas with low to moderate risks of flooding and more than one-third of property owners receiving federal disaster aid for flood damage own property located in flood zones with low to moderate risks of flooding. Because the majority of property insurance policies specifically exclude flood damage, and lenders offering federally backed mortgages are required by law to condition mortgages on the purchase of flood insurance, agents should be familiar with flood insurance.

Learning Objectives

Upon completion of this course, an agent will be able to:

Group Benefits and Worksite Insurance - 4 Hours

This course offers an overview of different types of group and workplace insurance plans, including requirements for eligibility, enrollment, evidence of coverage, plan documentation, and portability/conversion.

Learning Objectives

Upon completion of this course, an agent will be able to:

Health Insurance Policies: Protecting Clients from Health-Related Loss - 5 Hours

This basic-level course details the health insurance market –underwriting, policy features, required and optional provisions, advantages, disadvantages, available riders, for many types of health policies including individual and group policies, disability income, Medicare supplement, Long Term Care, and specialty policies. Social insurance and workers compensation are also discussed.

Learning Objectives

Upon completion of this course, an agent will be able to:

Indexed Product Training Course - 4 Hours

This course is designed to teach the agent all of the unique suitability considerations that fixed indexed products bring to the life and annuity market. Content includes the most recent product innovation in the indexed annuity and life market as well as the most recent (June 2015) interim guidance for illustration of indexed universal life products published by The NAIC working group. When appropriate mention is made as to how a particular contract provision, rider or benefit would affect a senior consumer.

Learning Objectives

Upon completion of this course, an agent will be able to:

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Life Insurance Policy Types & Suitability - 6 Hours

This basic-level course presents a comparison of the fundamental life insurance policies (term, whole life, flexible premium, group, variable) – their features and benefits, advantages and disadvantages. Each type of policy also includes a discussion of suitability and appropriate sales.

Learning Objectives

Upon completion of this course, an agent will be able to:

Long Term Care Certification Training - 8 Hours

This course is designed to satisfy the NAIC initial 8-hour training requirement for selling Long Term Care Insurance. Life insurance producers in states with long term care training requirement must complete 8 hours of initial training on long-term care coverage before being qualified to sell individual LTC and/or LTC Partnership policies.

Learning Objectives

Upon completion of this course, an agent will be able to:

LTC Certificate Refresher - 4 Hours

Upon completion of this “refresher” training course, LTC producers will be re-familiarized and updated with the required training on LTC insurance, LTC services, qualified partnerships, and the relationship between qualified partnerships and other public and private options for long-term care coverage.

Learning Objectives

Upon completion of this course, an agent will be able to:

Medicare Supplement Insurance: Closing the Gap - 4 Hours

This course offers a full review of the federal Medicare program, and how Medicare supplement insurance may be used to provide more complete healthcare coverage to Medicare recipients. This course discusses eligibility, enrollment, benefits, deductibles, co-payments, prescription drug plans, and the latest developments in Medicare and Medicare Supplement plans. Special producer requirements for suitability, sales practices, and policy replacement are emphasized. Case studies reinforce compliant and ethical sales practices.

Learning Objectives

Upon completion of this course, an agent will be able to:

Personal Lines: Protecting Your Client’s Home, Auto & Critical Risks - 7 Hours

This basic-level course explores the personal lines market to the entry level property/casualty producer: detailing the various types of property and casualty insurance that are sold to individual consumers - Dwelling vs. Homeowners, Personal Auto, Homeowners, Dwelling, Mobilehome and Farm coverages.

Learning Objectives

Upon completion of this course, an agent will be able to:

Principles of Life and Health Insurance - 12 Hours

This course was designed to offer licensed Life, Accident & Health, or Life and Accident & Health producers a comprehensive and detailed review of insurance concepts and products to help them better understand the features and benefits of each and to stay current on the different insurance products available on the market.

The course includes a thorough review of different types of life insurance policies, annuities, qualified plans, accident and health insurance policies, as well as health insurance options for senior citizens and special needs individuals. Studying and comparing and contrasting various types of policies will improve a producer’s ability to know which products and features best serve their clients’ needs.

Learning Objectives

This course explores topics with the purpose of providing an in-depth knowledge of insurance related concepts, as well as different types of life and health insurance policies and other products. Upon completion of this course, a producer will be able to identify the following:

Principles of Property and Casualty Insurance - 13 Hours

The course titled Principles of Property and Casualty Insurance is a comprehensive course which not only covers basic property insurance and casualty insurance concepts but offers detailed and advanced course work in order to refresh the knowledge of property/casualty agents. ExamFX has also designed this course to be helpful for those property/casualty agents that have specialized in just a single or limited line and would like to advance their education by familiarizing themselves with other lines that they are currently licensed for but have not concentrated on since licensure. These agents will have a chance to enhance and apply skills through case studies and examples that illustrate potentially different situational outcomes.

This course provides insight not just into standard property/casualty coverages, but also covers available endorsements to help producers customize and enhance coverages on policies including Homeowners, Commercial General Liability, and Commercial Auto Policies.

In addition, the course discusses in detail advanced or specialty coverages such as flood, inland marine, watercraft, specialty liability, surplus lines, and surety. Overall, this course was designed with the NAIC definition of “advanced” in mind: to provide practitioners with a strong foundation in the course material a detailed review of the important concepts that they may utilize throughout their career while affording those professionals an opportunity to increase their area of expertise beyond simple day-to-day or entry level career activities (particularly in regard to specialty or advanced policies such as flood or inland marine and policy customizations for Homeowners, Commercial General Liability, and Commercial Auto policies).

Learning Objectives

This course explores topics with the purpose of providing an in-depth knowledge of insurance related concepts, as well as different types of property and casualty insurance policies and other products. Upon completion of this course, a producer will be able to identify the following:

Retirement Planning – 4 Hours

This intermediate-level course takes the student beyond basic insurance services and provides a foundation for engaging in a strategic retirement planning process: helping the client set financial goals, consider multiple sources of income, establish a budget, and create an individual retirement plan.

Learning Objectives

Upon completion of this course, an agent will be able to:

Variable Life & Annuities: Understanding Investment Potential & Risk - 5 Hours

This intermediate-level course takes the producer beyond basic life and annuities concepts to variable products, including variable life, variable universal life, and variable annuities. Product features, advantages and disadvantages, and needs analysis/suitability are all discussed, as well as licensing and registration requirements.

Learning Objectives

Upon completion of this course, an agent will be able to: