Insurance License Hub

The California Credit Insurance Agent license

Credit Insurance Agent

Lets a business sell credit insurance and take commission without anybody there holding a life agent or property and casualty broker-agent license. It is the only California license that must be renewed annually rather than every two years, and its endorsees are registered and renewed annually too, at $45 each.

Course

None

This license has no pre-licensing course route.

Ways in

1

There is no state exam for this license.

Exam

n/a

Not required on any of the routes below.

Every way to qualify

  1. Route 1 Be appointed by an insurer and file your training materials

    No state exam for this license

    Insurer certification

    • A certification on form LIC CI 20, signed by an authorized insurer, stating that the insurer is satisfied the applicant is trustworthy and competent to act as its agent in soliciting and selling credit insurance

    and training materials, filed with the application

    • Training materials meeting the Outline for Required Training Elements in form LIC CI 30, filed with the license application on form LIC CI 10. Materials an insurer developed and the Department already approved may be adopted instead, on a letter signed by the insurer and the applicant

    The Department describes the point of the license in its own first sentence: it "permits a business to sell credit insurance, and receive a commission, without having to be licensed as a life agent and/or property and casualty broker-agent". The training is filed rather than taken, and it is the endorsee who certifies having had it: each employee registered as an endorsee completes an Employee Affidavit of Training and Knowledge on form LIC CI 50, certifying that they have completed the required training and are knowledgeable about the products, ethics and market practices. A business need only register the employees it pays commission to. $449 to apply and $410 to renew, annually, with $45 for each endorsee.

    Read at the Department on 2026-08-20

The training here is written by the licensee or adopted from an insurer's approved materials and filed with the application, and California gives no credit insurance examination. There is nothing for a school to sell against it.