PLCaliforniaeasy
A California Personal Lines-only Broker-Agent (no Life, Accident & Health, LTC, or annuity authority) is preparing for license renewal. Under Cal. Ins. Code § 1749.3, which of the following is true about her CE obligations?
ABecause she does not sell LTC or annuity products, she is fully exempt from the 3-hour ethics CE requirement for this particular renewal cycle and beyond
BEthics CE is required only in those renewals where she has previously been the subject of a CDI consumer complaint or a formal disciplinary inquiry
LTC training (§ 10234.93) and annuity training (§ 1749.8) do not apply to her PL-only license, but the 3-hour ethics CE in § 1749.3 still does
DShe may substitute 3 hours of approved homeowners product training in place of the otherwise-required ethics CE component for this renewal cycle
Why this is the answer
California layers product-specific CE on top of the general CE rules. Long-term care training under § 10234.93 (8 hours) and annuity training under § 1749.8 (8 hours initial, 4 hours renewal) attach only to licensees who actually sell those products. A Personal Lines-only Broker-Agent has no LTC or annuity authority, so those obligations don't apply. The general 24-hour CE per two-year cycle, including at least 3 hours of ethics under § 1749.3, remains mandatory.
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