California Life, Accident and Health or Sickness Agent Insurance Prelicensing Course
Master key Life & Health concepts—annuities, disability, Medicare, health policies, and more to pass your state exam with confidence.
Fast-track your insurance career today!
Pass the Life & Health Exam with Confidence
This course covers all required topics for the California Life & Health licensing exam, including life, health, disability, long-term care, and Medicare. Courses include:
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Complete Study Guide—Covers all Life & Health topics required by the state exam.
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Practice Exams—Simulated tests to help you pass the first time.
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Expert Insights—Learn real-world applications of Life & Health insurance.
Choose the Right Course for You:
Life, Accident, and Health or Sickness ($79)—Includes both Life + Accident & Health prelicensing courses.
Add Ethics (+$10)—if you have not already completed the 12-hour Ethics & California Insurance Code course.
Life Only ($69)—Includes the full Life prelicensing course.
Add Ethics (+$10)—if you have not already completed the 12-hour Ethics & California Insurance Code course.
Accident, Health, or Sickness Only ($69)—Includes the full Accident & Health prelicensing course.
Add Ethics (+$10)—if you have not already completed the 12-hour Ethics & California Insurance Code course.
Most first-time applicants should add Ethics. If you’re unsure, call/text 818-455-3879 and we’ll tell you what to choose.
Want More Than Just the Course?
Our Smart Prep Platform takes your licensing prep to the next level.
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Complete Course Access—Complete coverage of California DOI Life & Health prelicensing exam objectives.
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AI-Powered Testing Hub—Build custom practice exams, see where you’re weak, and get instant study advice.
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Pass Readiness Score—Know exactly when you’re ready for the state exam.
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One-Stop Solution—Both the course and testing system together in one package.
The Smart Prep course is $299 and includes both the full course and unlimited access to the testing platform.
Most students who use Smart Prep finish faster, retain more, and feel confident on test day.
Many schools charge $150+ for the same California DOI exam-objective coverage. Don’t overpay for your license.
2026 Update
2026 California Licensing Update
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No more required hours. Starting January 1, 2026, California removed the requirement to complete a specific number of prelicensing hours for Life & Health. That means the old “40-hour” and “52-hour” hour counts are not a state requirement anymore.
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The exam is the same. The California licensing exam is not changing, so the topics and state objectives still matter.
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Ethics is still required. You still must complete 12 hours of Ethics and California Insurance Code before the California Department of Insurance can issue your license.
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Need help figuring out what you need? Call or text 818-455-3879 or email support@gtaexamprep.com and we’ll tell you exactly what applies to your situation.
Our Life & Health course is built to the California CDI License Examination Objectives, so you know exactly what to study for the state test
Life, Accident, and Health or Sickness Agent Course + Ethics Bundle
Includes the full Life & Health course plus the required 12-hour Ethics course.
Topics Covered on the Life, Accident and Health or Sickness Agent Exam
Below is a breakdown of the key topics covered in the California Life, Accident and Health or Sickness Agent licensing exam:
General Insurance & Ethics
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Basic insurance principles and contract law
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California Insurance Code and agent conduct
Life Insurance
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Life policy types, annuities, and replacement rules
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Policy taxation, contract structure, and group plans
Medical Expense Insurance
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Individual & group medical expense policies
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ACA, PPACA, Medicare, Medi-Cal, and senior health
Disability Income Insurance
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Short- and long-term disability plans
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Social programs and benefit coordination
Long-Term Care Insurance
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LTC plan structure and benefit triggers
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Medicare limits and HICAP counseling
Start Your Insurance Career Today!
Get access to the full Life, Accident, and Health or Sickness + the 12-Hour Ethics course for only $89.
Life, Accident, and Health or Sickness Agent Course (No Ethics)
Already have a P & C insurance license? This course covers only Life & Health topics, so you can skip the 12-hour Ethics training and focus on what you need to pass.
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Comprehensive P&C Training – Covers all state-required topics.
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Exam Prep & Practice Tests – Real-world questions to help you succeed.
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100% Online & Self-Paced – Study when and where it’s convenient for you.
Already Licensed in Property & Casualty?
Complete Your Licensing –
Start Life & Health License Training Today!
Get access to the Life, Accident, and Health or Sickness Agent Exam Prep Course (No Ethics) for only $79.
Life Only Course
Includes the full Life prelicensing course.
Subjects Covered (Life Only):
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General Insurance fundamentals (intro, regulation, market conduct, contracts, licensing)
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Life insurance policy types and features
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Group Life insurance
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Annuities and annuitization
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Replacements, cancellations, and consumer protections (illustrations)
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Taxation of life insurance and annuities
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Social Security basics
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Underwriting, applications, and common riders
Add Ethics (+$10) if you have not already completed the 12-hour Ethics course.
Accident, and Health or Sickness Agent Only Course
Includes the full Health prelicensing course.
Subjects Covered (Health Only):
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General Insurance fundamentals (intro, regulation, market conduct, contracts, licensing)
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Disability insurance (including individual DI)
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Individual medical insurance
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Group health plans and underwriting (employer rules and compliance)
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ACA essentials, exchanges, and coverage rules
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Medicare basics, Advantage, Supplements, and Part D
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Medicare exclusions and state rules
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Long-Term Care insurance
Add Ethics (+$10) if you have not already completed the 12-hour Ethics course.
