State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
In California, a person who sells life or health insurance on behalf of insurers holds a license as a(n):
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
In California, life and health insurance is sold by licensed agents who represent insurers; there is no separate broker role in the life and health lines. A broker generally acts for the insured in other lines (property/casualty), but life and disability business is transacted by agents under the Insurance Code. The life agent definition at CIC Section 1626(a)(1) covers soliciting life insurance on behalf of an insurer.
Why the other options are wrong
- A) California issues agent licenses for life and health; brokers operate in other lines, not life and health.
- B) No life or health solicitor licenses exist; solicitors are limited to property/casualty lines.
- C) Surplus line brokers place risks with nonadmitted insurers and do not sell standard life policies.
Memory hook
Life and health = agents only. No life broker license, no life solicitor license in California.