California insurance prelicensing education
The 12-hour course on Ethics and the California Insurance Code
An online, self-paced prelicensing course offered by Quantum AI Financial & Insurance Agency, a California corporation.
Course title: 12 Hours of Study on Ethics and the California Insurance Code
- 12 hours of required active study
- 12 sections, including one hour on insurance fraud
- Online and self-paced, with 180 days of access
- Final exam: 36 questions, 90 minutes, 70% to pass
What the course covers
Twelve sections, each with one hour of required study and review questions with explanations.
Section 1
The California Insurance Regulatory System and the Role of the Producer
Section 2
Licensing, Prelicensing Education, Continuing Education and License Maintenance
Section 3
Agency Law and the Producer's Ethical Duties (agent vs. broker, fiduciary duty, duty of care, disclosure)
Section 4
Fiduciary Handling of Premiums, Trust Accounts and Commissions
Section 5
Unfair Practices I: Misrepresentation, False Advertising, Defamation and Boycott
Section 6
Unfair Practices II: Rebating, Inducements, Twisting and Replacement
Section 7
Fair Claims Practices, Unfair Discrimination and Consumer Protection
Section 8
Privacy, Confidentiality and Information Security
Section 9
Seniors, Annuities, Suitability and Best Interest
Section 10
Life, Disability and Health Insurance Provisions of the Code
Section 11
Property, Casualty and Personal Lines Provisions of the Code
Section 12
Insurance Fraud: Recognition, Reporting, Penalties and Prevention
Required hour on insurance fraud
Built for the way California regulates online courses
California's regulations for online prelicensing courses (California Code of Regulations, Title 10) set specific requirements for identity, study time and examinations. The course is designed around them.
Identity questions
Personal questions only you can answer, asked when you enter the course and at intervals during it.
Active study time only
Only time you actively spend in the course counts toward the 12 hours. You are signed out after 20 minutes of inactivity.
Review after every section
Each section ends with review questions. A wrong answer shows the correct answer with an explanation.
Timed final exam
36 questions, 90 minutes, 70% to pass, up to 3 attempts with different questions each time.
Signed affidavit
Before your certificate is issued, you sign an electronic affidavit under penalty of perjury that you completed the course yourself.
Completion reporting
Completions are reported to the California Department of Insurance within 10 business days.
A real instructor
Questions about course content are answered by the instructor within one business day.
Who needs this course
Since January 1, 2026, the 12-hour course in ethics and the California Insurance Code is the prelicensing education requirement for most California license types, including:
- Life-Only Agent
- Accident & Health (or Sickness) Agent
- Property Broker-Agent
- Casualty Broker-Agent
- Personal Lines Broker-Agent
- Limited Lines Automobile Agent
Public adjuster and bail license applicants have different requirements. Always confirm the requirement for your license type with the California Department of Insurance.
Who offers the course
The course is offered by Quantum AI Financial & Insurance Agency, a California corporation (California Secretary of State No. 4546464). The provider director and instructor is Alan Wen, a California-licensed insurance agent (license 0E21429).
Common questions
- Can I enroll now?
- Not yet. Provider certification and course approval are pending with the California Department of Insurance. Enrollment opens only after approval. You can join the launch list to be notified.
- Is this course approved by the California Department of Insurance?
- No, not yet. The provider certification application is pending, and the course must be approved before it can be offered for credit. Approval numbers will be shown on the Regulatory status page only after they are issued.
- Who offers the course?
- Quantum AI Financial & Insurance Agency, a California corporation. insurancelicensed.com is the school's website address.
- Which license types need the 12-hour course?
- Since January 1, 2026, most license types — including Life-Only, Accident & Health, Property, Casualty, Personal Lines and Limited Lines Automobile — require the 12-hour course in ethics and the California Insurance Code. Public adjuster and bail applicants have different requirements. Confirm your requirement at insurance.ca.gov.
Enrollment opens after approval
Join the launch list and we will email you when enrollment opens.