Get Licensed with California Life & Health Insurance Courses

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Get your California Life & Health license, 100% online
Pick your path: Life-Only or full Life & Health
Sell life, health, disability, and annuities

Course Packages

Watch Overview

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Life Only

California-specific Life insurance concepts with exam-focused prep.

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Pass the test or your money back!

Most Popular

Life & Health

Our streamlined, self-paced California licensing course is designed for future life and health insurance agents.

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Pass the test or your money back!

Life Only

Life & Health

Pre-License Education

Ace MODE™ Smart Practice

Know your strengths and where to focus as you move through the course, not on exam day, and get personalized practice where you need it

Available on App

Study anytime with our iOS and Android apps

Premium Exam Prep Resources

Interactive questions, video instruction, and more

Flashcards

Quick review tools

Video Instruction

On-demand video content

Mobile-First Learning

Study on desktop, tablet, or phone

Includes Health

Cover all bases with Life & Health

Pass Guarantee

Pass the test or get a free retake

12-Hour Ethics

Coming Soon!

Life Only

Pass the test or your money back!

Life & Health

Pass the test or your money back!

How to Get Your Life & Health License

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1. Enroll in Your Course

You must complete approved coursework, depending on the line of authority. A prep course helps you master the material and get ready to pass on your first try.

California's required one-time 12-Hour Ethics & Insurance Code course is coming soon to Aceable.

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2. Schedule and Pass the State Exam

Register for the California licensing exam through PSI Services. Bring proper identification and earn a 60% passing score to move forward.

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3. Complete Your Background Check

California requires fingerprinting. Your fingerprints are submitted to the California Department of Insurance as part of your background check.

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4. Apply for Your License

Submit your application through NIPR. Pay the required fees and make sure your fingerprints and exam results have been successfully transmitted to the state.

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5. Start Your Insurance Career

Once approved, you'll receive your license from the California Department of Insurance, and you're officially authorized to begin selling in California.

Ready to Earn Your License in Life and Health?

Enroll NowCheckout?productId=IaOEdAxUF6dkdkBd&courseId=MXlKwqrEHiwHTDdi&state=CA Checkout Insurance.aceable.com

Life & Health License on Your Mind?

Stay informed, stay confident. When you're ready, we’ll provide you with insider advice, special offers, and resources to help you succeed.

Why Choose Aceable Insurance?

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Track Your Mastery

We track your progress and flag what to review, so you’re confident and ready on exam day.

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Designed to Keep You Engaged

Science-backed techniques like spaced repetition and real-world scenarios help you actually retain what you learn.

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Boost Retention with Video

Recap videos reinforce key concepts. Need more? Tap into our full video library anytime.

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Learn Anywhere, Anytime

Coffee shop, couch, or between errands, your course goes where you go. Mobile and fully on-demand.

Student Success Stories

Star Ratings

It's Amazing For People Who Live a Busy Lifestyle!
One thing I really liked is that it's great for people with a busy schedule! You get the material beforehand and then you knock it out in 2 days online. I work 2 part time jobs so this program was awesome for me!

Kyle C.

Star Ratings

Highly recommend
Did the online course and had a great instructor. Kept all of us online people engaged for both property and casualty classes. It was easy to follow the class outline, ask questions, and take notes.

Antony G.

Star Ratings

Informative & Entertaining

The staff, especially the instructor, was knowledgeable, informative, entertaining and made every student in class as well as those online feel comfortable and welcomed.

Albert T.

Frequently Asked Questions

Ace Mode

What's Ace Mode, and how does it help me pass the California insurance exam?

Ace Mode is our adaptive practice system built into the course. Instead of guessing where you're weak, it tracks your performance across every topic and builds personalized practice sessions that target what you actually need to work on. Here's what that means for you:

No wasted time reviewing topics you already know
Automatic focus on weak spots before they sink your exam score
A built-in readiness indicator that tells you when you're actually ready to book

Basically, it removes the guesswork from study prep. You stop studying everything "just in case" and start studying exactly what the exam is going to test you on.

What is the 12-hour ethics course for a Life and Health license?

It is the one pre-licensing course you need for a Life and Health license, set by California's education requirementsPre License What Are The Pre Licensing Education Requirements For A California Insurance License Resources under AB 943 on January 1, 2026:

12 hours covering ethics and the California Insurance Code
Includes 1 hour of antifraud training
The same course counts no matter which lines you add later

Finish it, then sit your Life and Health exam. Aceable Insurance is launching this course soon, so check back to enroll.

Do I need separate licenses for life and health insurance in California?

Life and health are separate lines of authority, so comparing licensesPre License Property And Casualty Vs Life And Health Vs All Lines Resources helps here:

Life-Only covers life insurance and annuities
Accident and Health covers medical, disability, and related coverage
The Life, Accident and Health combination covers all of it

Most agents take the combination so a single client never has to be sent elsewhere.

What can I sell with a California Life and Health license?

This license opens a wide product mix and the life health careersPre License What Can You Do With A Life And Health Insurance License Resources that come with it:

Life insurance, annuities, and final expense
Disability income and long term care
Health plans, including Medicare and Covered California

Selling variable life or variable annuities also requires a securities registration on top of the license.

Can I complete the California Life and Health course and exam online?

Yes. The whole process of getting licensedPre License How To Get Your Insurance License In California Resources is almost entirely online in California:

The 12 hour course is self paced and works on any device
The PSI exam can be taken remotely or at a test center
Fingerprinting is the one in person step

You can study around work and only leave home for Live Scan.

What are the requirements for a California Life and Health license?

How do I look up a California life insurance license?

How much can Life and Health agents earn in California?

Most work on commission, so earning potentialPre License What Could Your Insurance License Be Worth Resources builds over time:

Life products often pay the highest first-year commissions
Health and Medicare build steady recurring income
California's population keeps demand high year-round

First-year pay starts modest, then grows as your renewal book compounds.

Learn More About Becoming an Insurance Agent in California

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How to Get Your Insurance License in California

California's updated licensing requirements and massive market make this an ideal time to pursue an insurance career in the Golden State.

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How Long Does It Take to Get Licensed in California

Ready to begin your journey toward becoming a licensed insurance producer in California?