California Life Prelicensing
California Life Insurance Prelicensing Course
12-hour state-approved course. Study online at your own pace, then pass the California licensing exam. Pass guarantee included. Only $199.
Course Overview
12
Credit Hours
$199
Course Price
Online, Self-Paced
Course Format
30 Days
Access Duration
What's Included
- Video lessons
- Interactive e-book
- Practice exams
- Flashcard review sets
- Progress tracking
- Expert support
- Certificate of completion
- Pass guarantee
What You'll Learn
This course covers everything tested on the California Life Insurance licensing exam.
- Types of life insurance policies — term, whole life, universal life, and variable products
- Life insurance policy provisions, riders, and exclusions
- Annuity products — fixed, variable, and indexed annuities
- Beneficiary designations and settlement options
- Underwriting concepts and insurable interest
- State regulations governing life insurance producers
- Agent ethics and the Unfair Trade Practices Act
- Replacing and surrendering life insurance policies
Everything You Need to Pass
Your course includes all the tools proven to help students pass their state exam on the first try.
Video Lessons
Engaging, expert-led video lessons that break down complex insurance concepts into easy-to-understand segments. Study on any device.
Practice Exams
Full-length practice exams that mirror the format and difficulty of your real state licensing exam. Know what to expect before test day.
Interactive E-Book
A comprehensive digital textbook with highlighting, notes, and instant search. Reference any topic as you study or prepare for your exam.
Flashcards
Digital flashcard sets for every key term, definition, and concept. Perfect for on-the-go review between study sessions.
Progress Tracking
See exactly how far you've come and what's left to complete. Pick up right where you left off on any device at any time.
Expert Support
Have a question about the material or the licensing process? Our team of licensed insurance educators is here to help you succeed.
California Licensing Exam Info
Know what to expect on your California insurance licensing exam before you walk in.
Exam Format
- Passing Score70%
- Exam Fee$98
- Results TimingWithin 24 hours (most candidates receive results within minutes of completing the exam)
- Exam FormatMultiple Choice
Exam Provider
PSI Services LLC
The California insurance licensing exam is administered by PSI Services LLC. You can take the exam at a testing center near you or online with remote proctoring (where available).
Pass Guarantee
JustInsurance students who complete the full course pass at significantly higher rates. Meet the recommended study hours, score 80%+ on the practice exam three times in a row, and test within 30 days of your first enrollment. If you don't pass, we'll refund your course fee.
Our Pass Guarantee
We're so confident in our courses that we back them with a pass guarantee. Put in the study time, master the practice exam, and test within your window. If you still don't pass your state exam, we'll refund your course fee. No runaround. No excuses.
Meet the Study Hours
Complete the recommended study hours for your state — 20 hours for a single line, or 40 hours for a dual line in states that don't require prelicensing.
Master the Practice Exam
Score 80% or higher on the practice exam three times in a row before sitting for the state exam.
Test Within 30 Days
Take your first-time state exam attempt within 30 days of your first enrollment in the course.
Guarantee applies to first-time state exam attempts within 30 days of your first course enrollment, and requires the recommended study hours plus three consecutive 80%+ practice exam scores. Contact support@justinsuranceco.com for details.
Life Practice Exam
Ready for the California Life exam?
Take our full-length California Life practice exam. Score 80%+ three times in a row and walk into the real exam confident. $59 — instant access.
What Our Students Say
5-star rated by 20,000+ students licensed nationwide
“need to pass my CA Life and Health Exam !”
MetrixalixYouTube
via YouTube comment · California
“I m in California I want to pass life insurance exam”
MausupatelYouTube
via YouTube comment · California
“Which of your videos will help me pass the California exam? The wording on the California exam is like psychological warfare”
CoreyalexanderYouTube
via YouTube comment · California
California Life Insurance Prelicensing FAQs
How long is the California Life Insurance prelicensing course?
The California Life Insurance prelicensing course requires 12 hours of state-approved education before you can sit for the licensing exam. JustInsurance's course is certified by the California Department of Insurance to fulfill this exact requirement. All 12 hours are delivered through structured video lessons, reading materials, and chapter quizzes that you complete at your own pace. You have 30 days of access from the day you enroll, and most students finish well within the first two weeks.
What is the pass rate for JustInsurance students on the California Life Insurance exam?
JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The California Life Insurance exam is administered by PSI Services LLC and requires a score of at least 70% to pass. JustInsurance's course includes a full-length practice exam modeled on the actual PSI Services LLC content outline, so you can benchmark your readiness. Full pass rate methodology at /pass-rates.
What happens if I fail the California Life Insurance exam?
If you do not pass the California Life Insurance exam on your first attempt, you can retake it after scheduling your next available test date with no mandatory waiting period. After 10 failures on the same exam type within a 12-month period, you are barred from enrolling in that exam for 12 months from the date of your 10th failure. Combined exam failures count together with related single-line exams. Each retake requires paying the $98 exam fee again to PSI Services LLC. JustInsurance recommends reviewing your score report after a failed attempt to identify weak areas, then spending additional time on those topics before rescheduling. Your JustInsurance course access remains active throughout your 30-day enrollment window, so you can review material at no extra cost.
Is the JustInsurance California Life Insurance course state-approved?
Yes. The JustInsurance California Life Insurance prelicensing course is approved by the California Department of Insurance and meets all state education requirements for the Life Insurance line of authority. Upon completing the course, you receive an official certificate of completion that PSI Services LLC accepts for exam registration. JustInsurance maintains active approval status with the California Department of Insurance and updates course content whenever California insurance law or exam content outlines change.
What's included in the California Life Insurance prelicensing course?
The JustInsurance California Life Insurance prelicensing course at $199 includes everything you need in a single purchase: 12 hours of state-approved course content organized by exam topic, chapter-by-chapter review quizzes to reinforce key concepts, a full-length practice exam that mirrors the format and difficulty of the actual PSI Services LLC exam, 30 days of unlimited access across all your devices, and your official state-recognized certificate of completion issued immediately when you finish. There are no hidden fees, no required textbooks, and no add-on costs.
Explore More California Resources
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Overview
California Insurance License Hub
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Requirements
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Last updated: March 2026
Ready to Start Your California Life Prelicensing?
Enroll in our 12-hour state-approved course today. Pass guarantee included. Only $199.
Enroll Now — $199