Life insurance agent (California) exam: 75 questions, 1 hour 45 minutes, free practice
The Life insurance agent (California) exam, owned by the California Department of Insurance, has 75 scored questions and a 105-minute limit. Passing standard: 60% of scored questions right. We have not recorded the exam fee. Figures checked 2026-10-07 against the published pages of the California Department of Insurance.
Exam at a glance
| Item | Detail | Checked |
|---|---|---|
| Owner | California Department of Insurance (insurance.ca.gov) | 2026-10-07 |
| Delivered by | Pearson VUE | 2026-10-07 |
| Questions | 75 scored | 2026-10-07 |
| Time allowed | 105 minutes | 2026-10-07 |
| Passing standard | 60% of scored questions right | 2026-10-07 |
| Exam fee | Not recorded here (California Department of Insurance exam page) | 2026-10-07 |
| Retake rule | See the owner's handbook (California Department of Insurance) | 2026-10-07 |
| Languages offered | English, Spanish | 2026-10-07 |
| Outline version | California Department of Insurance, Prelicensing educational objectives and examination content outlines (2026) (Outline) | 2026-10-07 |
| Last verified | 2026-10-07 | 2026-10-07 |
Last verified 2026-10-07. No question in this bank has a scheduled re-check date.
Free practice
Practice and timed mocks are free, with right or wrong on every answer and your total score. The full analysis is $39, once.
Do you need it to work?
All states: Florida law makes it unlawful to sell or solicit insurance without a license from the Department of Financial Services, and each state licenses insurance producers under its own law. Florida Statutes, Section 626.112 (License required), retrieved 2026-10-07.
What is on the exam
| Domain | Weight |
|---|---|
| General Insurance: Basic Insurance Concepts and Principles | 12% |
| General Insurance: Contract Law | 8% |
| General Insurance: The Insurance Marketplace | 9% |
| Life Insurance: Basics | 11% |
| Life Insurance: Types of Life Policies | 13% |
| Life Insurance: Annuities | 11% |
| Life Insurance and Annuities: Policy Replacement and Cancellation | 5% |
| Life Insurance: The Individual Life Insurance Contract | 13% |
| Life Insurance: Taxation of Life Insurance and Annuities | 4% |
| Life Insurance: Group Life Insurance Plans | 3% |
| Life Insurance: Social Security Disability Program | 1% |
| Life Insurance: Individual Underwriting, Pricing, and Claims | 4% |
| Life Policy Riders | 5% |
Official outline: www.insurance.ca.gov/0200-industry/0030-seek-pre-lic/prelicensing-educational-objectives.cfm, checked 2026-10-07.
How hard is it: pass rate
This page does not show a pass rate yet. We add a figure only after we read it on California Department of Insurance's own page and record the year it covers, so a number here always has a year and a source.
What it costs and how long it takes
| Item | Detail | Checked |
|---|---|---|
| Exam, application and first-license fees | $317 (courses and tuition not included) | 2026-10-12 |
How these were worked out
Fees: CDI schedule effective March 3, 2019 lists $188 filing fee and $55 examination fee for Life and Accident and Health agents; Capital Live Scan fingerprinting is $74 (PSI Candidate Information Bulletin, Feb 2025) = $317. A PSI test site adds a $43 convenience fee (same bulletin) and may charge a different exam price, so treat 317 as the low end. Courses are not included. Age, months and record policy not verified for California.
Compare states
The same credential costs a different amount of time and money in each state we have read. Rows are sourced to each board and dated.
Life and health insurance agent license
| State | Typical time | Exam, application and first-license fees | Minimum age | Checked |
|---|---|---|---|---|
| California | Not found | $317 | Not found | 2026-10-12 |
| Florida | 2 months | Not found | 18 | 2026-10-15 |
| New York | 2 months | Not found | Not found | 2026-10-15 |
| Texas | Not found | $99 | 18 | 2026-10-15 |
How these were worked out, and where they come from
CA: Fees: CDI schedule effective March 3, 2019 lists $188 filing fee and $55 examination fee for Life and Accident and Health agents; Capital Live Scan fingerprinting is $74 (PSI Candidate Information Bulletin, Feb 2025) = $317. A PSI test site adds a $43 convenience fee (same bulletin) and may charge a different exam price, so treat 317 as the low end. Courses are not included. Age, months and record policy not verified for California.
FL: Age: Florida 2-15 requirements sheet, step 1, natural person at least 18 and a Florida resident. Fingerprints are required and priced by the vendor. Months: Florida 2-15 prerequisite is a 60-hour approved course (or a 30-hour life and variable contracts course plus the health route); 60 / 15 study hours a week = 4 weeks = 0.9 months, plus 1 month for fingerprints, application and the state exam = 1.9, rounded to 2. Pace assumption: 15 study hours a week.
NY: Months: DFS requires a Department-approved course of not less than 40 hours for the life, accident and health authority; 40 / 15 = 2.7 weeks, about 0.6 months, plus 1 month for the PSI exam and application = about 2. License fee is $80 for a New York resident (DFS page); the PSI exam fee was not found, so no total is given.
TX: Fees: $49 General Lines Life, Accident and Health exam (Texas Insurance Licensing Candidate Handbook, Oct 2024, exam fee table) plus $50 application fee (TDI general lines life, accident, health and HMO page) = $99. Fingerprints through IdentoGO are extra and the price was not verified; courses are not included. Age: the same handbook says candidates must be at least 18 before the exam. Months and record policy not verified for Texas.
- Florida Department of Financial Services, agent license fees, retrieved 2026-10-11.
- Florida Department of Financial Services, insurance license qualifications, retrieved 2026-10-11.
- Texas Department of Insurance, general lines life, accident and health application, retrieved 2026-10-11.
- California Department of Insurance, life agent requirements, retrieved 2026-10-11.
- O*NET 31.0 Database: interests, abilities, work styles, job zones, work context, retrieved 2026-10-11.
- O*NET 30.2 Database: work values (dropped from 31.0), retrieved 2026-10-11.
- BLS Employment Projections Table 1.2, 2025-2035, retrieved 2026-10-11.
- BLS OEWS May 2025 national estimates, retrieved 2026-10-11.
- New York DFS, life, accident and health agent licensing, retrieved 2026-10-15.
How these questions are made
The questions are drafted with AI (Anthropic's Claude) from the official outline and primary sources. They are not copied from real exams. The DecipherU item team checks each one against the source it cites, and a blind independent AI review answers each without the key. A licensed professional has not reviewed them unless this page says so. Details are on the AI disclosure page.
Who stands behind this page
- Accountable editor
- Julian Calvo, Ed.D., founder. Ed.D. in Learning Sciences (University of Miami), MBA (Lynn University), Master's in Organizational Learning and Leadership (Barry University). His credentials are in learning sciences and assessment design, not in the field this exam covers.
- Licensed professional review
- None on record. No licensed professional has reviewed this question bank. It is drafted with AI and checked against its cited sources by the DecipherU item team.
- How the questions are made
- Drafted with AI (Anthropic's Claude) from the official outline and primary sources, then checked against the source each question cites by the DecipherU item team. Julian Calvo designed this method. No real exam content is used. Read the AI disclosure and the methodology.
- What this bank shows
- 45 live questions; 45 cite at least one primary source. None carries a scheduled re-check date.
- Facts last checked
- . Found a mistake? Report it in the corrections log.
Frequently asked questions
How many questions are on the Life insurance agent (California) exam?
The exam has 75 scored questions. Source: California Department of Insurance, checked 2026-10-07.
How long is the Life insurance agent (California) exam?
You have 105 minutes in total. Source: California Department of Insurance, checked 2026-10-07.
What score do you need to pass the Life insurance agent (California) exam?
Passing standard: 60% of scored questions right. Source: California Department of Insurance, checked 2026-10-07.
How much does the Life insurance agent (California) exam cost?
We have not recorded the exam fee yet. California Department of Insurance sets it, so check its exam page before you register.
What is the Life insurance agent (California) pass rate?
This page does not show a pass rate yet. We add one only after reading it on California Department of Insurance's own page, with the year it covers.
Are the Life insurance agent (California) practice questions real exam questions?
No. They are original questions drafted with AI from the official outline and primary sources. No real exam content was used.
Sources
- California Department of Insurance, Prelicensing educational objectives and examination content outlines (2026), California Department of Insurance, retrieved 2026-10-07.
- PSI, California Insurance Candidate Information Bulletin: 75 scored questions, 60 percent to pass, California Department of Insurance, retrieved 2026-10-07.
Last verified 2026-10-07. Questions are AI-drafted and source-checked. DecipherU is not affiliated with the Florida Department of Financial Services or Pearson VUE. Every practice question is original and written from Florida law, federal law and the official outline. Found a mistake? Read the corrections log or report it there.