How do I become an insurance agent in california?

im interested in become an insurance agent but i have no idea how!! i live in california and im pretty sure you have to be licensed. However, i dont know how i can get a license and i dont know where! how much is it? if anything..do i need previous work experience in sales?? HELP!!!!!

thanks friends.

Here is the website for the California department of Insurance which will explain the licensing requirements: http://www.insurance.ca.gov/

You do not need previous sales experience although it is helpful. The best way to start off is to find a job with a current agent working in the line of insurance that you'd like. Agents are often hiring new producers and many will help you get your license.

You might want to contact the district offices of Met Life, Nationwide, State Farm, Prudential, Allstate, American National, and others, (not in any particular order) and interview with each. Each company has a new agent training program. Sales expereince is helpful, but not necessary.

Insurance companies like to hire people who are self-starters, and who like sports. You may wonder why sports. This is because sports are competitive, and the most successful agents are competitive-type people.

Insurance companies have contests going on all the time, like Leaders Conference. If you produce so much business, you can qualify for exotic trips and other prizes.

The companies will either train you for the state exam, or send you to a class to prepare you for the state exam.

These companies also start new agents on a guaranteed salary while in training. They also offer group life and health insurance, 401K, and a company paid retirement. (With Nationwide, after a period of time, you become an independent agent, and your retirement would be the company's repurchase of your agency from you.)

I suggest that you interview with several companies, and compare programs and benefits.

After being with a company for three to five years, you may want to become an independent agent (self-employed). Then, again, you might want to just stay and make a career with the company you are with.

Whichever way you go, try to be multi-line. There are more opportunities to write business than with just life and health, or just property and casualty.

Best wishes, and God bless.

L street in Sacramento.. the Department of Insurance. get the info, pas the test, find a broker or direct writer (allstate, farmers, statefarm) to hire you... and you're off!!!!

You need to know about sales, and about insurance!!! the test used to be $75 , but I'm old

You have to pass a test. Go to your state insurance department website, for details. Or go talk to a local agent, see if they'd hire you on, after you pass the test, on a commission split basis.

Here is a link that answers your question http://www.insurance.ca.gov/0200-industry/0020-apply-license/0100-indiv-resident/

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Spam Filtered (ID:3479677)

Looking for a good insurance company to represent in California?

I'm a licensed insurance agent in California. I've been through 3 firms in 3 years and did not make much money at all. Now I'm working retail waiting to get back in the game while my license is just wasting away. Please, no AFLAC or World Financial Group referrals. Training is non-existent at AFLAC and the WFG people were absent of integrity. Could anyone recommend a good company to work for that is structured and has a good training program. Thank you.

First of all insurance is very complex. I have been in the industry 10 years and still learn things every day. Since most agencies in California are independent training is hard to come by. Quality training is almost impossible to find. Experience is the best teacher in this industry. I would reccommend you subproducing for an agency that represents many insurance companies and you will soon learn the industry. Where are you from? Our company has training every Tues and Thursday night.

I'm in the central valley of California. What company do you represent? http://answers.yahoo.com/question/accuse_write?qid=20080605005316AAFXfAh&kid=G8ROPDC8C3TcYoR26NLz&s=comm&date=2008-06-06+13%3A51%3A14&.crumb=

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Spam Filtered (ID:3479677)

College student finding health insurance in california?

I'm a college student in california who needs to find a replacement for the health insurance offered by the school. I was thinking about going with tonik.

There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance.

Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.

Look for a job that covered parts of health insurance, is always better that company pay for some then you pay all by yourself, UPS is one big company that has health insurance even for part time worker.

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Spam Filtered (ID:3479677)

Can I have car insurance from California in Maryland?

I spoke to a representative of the car insurance from California and she said that it was fine. And that she had many clients from all over the nation. Does anyone know more about this? Thanks!

Yes, most of them are Nationwide. They are set up with agents from all over the place and when you get quoted they'll find you a local agent next to you based on your zip code, these do it with all major insurers

http://123automotive-insurance.solutionsarticles.com/compare.php?id=ap3

For auto insurance the most efficient way to get a very good rate is do a policy comparison on auto policies. Make sure that you choose similar options with the same limits, car make, location, etc so that all things are a good comparison.

What I always recommend is an internet comparison quote at http://www.lowratetoday.com since they have big name insurers and can give several quotes on car insurance polices.

But if you live in Maryland--legal address--you'll need a Maryland insurance ID card; California's won't cut it.

If your car is registered in California, your insurance should work in Maryland.

bap32211, There are lots of places where you can get a free insurance quote. http://www.simpleautoquotes.com/Auto-Insurance.html It only takes about 5 minutes to do.

You could try to use google it first,here http://www.Autoinsurancepro.info/auto-insurance-free.htm has some direct information which I think is might be helpful.

Yes.

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Spam Filtered (ID:3479677)

What will happen if you get caught driving without a license or insurance in california?

i got caught driving without a driving license or insurance in california what could happen?

What COULD happen?

You could have had your vehicle impounded (but it does not sound like that happened). (Veh. Code sec. 22651.)

You could be charged with a misdemeanor violation of VC 12500 for driving while unlicensed, and be sentenced to 6 months in jail.

You could be charged with the infraction of driving without insurance (VC 16029) and given a hefty fine.

Now, what probably WILL happen?

The 12500 will be filed as an infraction, and if you come to court with a valid license and insurance, both charges will be dismissed.

ADD: Well, Superman is right that if you did not have insurance you are not ENTITLED to have the charge dismissed. However, that is also true of driving without a license--if you did not have a valid license at the time, you are not ENTITLED to have the charge dismissed. However, in my experience courts are more interested in making sure that you get properly licensed and insured, and upon proof of both a dismissal of the charges is common.

You could be arrested and most likely get charged. You will also lose your car for 30 days (the law allows your vehicle to be impounded for that long!) The fines are going to be very expensive. If I were you I'd take a bus until you can get a license.

The policeman didn't immediately impound your vehicle?? You got off light already.

Go to court with your license that was valid before the incident amd proof that you had insurance at the time. best to get an attorney to plead with the ADA before and get it dropped. they could fine you for failuer to carry, but mostly they want to be sure you are driving legally (which the cop already knew.

Driving without a license:

Get a driver's license and pay the $27 already. Ask for a dismissal and pay another $10. Open and shut case.

Driving without insurance:

Pay fine of $760 and you're done. Alternatively, purchase insurance after the fact. I have seen traffic commissioners cut fines in half for doing just that. Unlikely you will buy insurance for less than $380, but you must also consider that you will be continuing to keep driving.

Additional Details:

John S' probability is correct if you were only driving without written proof of insurance, which is likely since the vehicle appears to be registered. However, in the event you were driving without insurance (and not just without the card) then both charges will not be dismissed because the insurance charge cannot be dismissed this way unless you provide written proof of insurance showing you were driving in compliance at the time you were ticketed per CVC § 16028(e).

Well I have to hand it to John S, for if the court is going to dismiss the one charge in such a manner then it is very likely that they will just go ahead and dismiss both of them the same way. And if they are not going to dismiss the second charge as I have previously mentioned then it only makes sense that they will not dismiss the first charge either. So I will therefore have to agree that it is possible for both charges to be dismissed.

*/End of Line.

nothing really, your license will be provoke, if you didn't cause any accident then it's not a big deal yet. you probably have to pay a fine, are you over 18? did you have any record of car accident? if you are clean and this is your first time it won't be that harsh. You won't be jail since you haven't done that big of a damage yet.

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Spam Filtered (ID:3479677)

California Life Only Insurance Exam: what book is good to study?

I am taking the California Insurance Exam, what is a good book to study from? thanks!

Information is below.

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Spam Filtered (ID:3479677)

How to get insurance in california for a used car?

I bought a car in auction in california, I filled up forms for registration and paid the fee there, But the car is not insured, What should i do to get the car insured, Is it legal to drive in california without insurance ?

It is NOT legal in Ca. to drive without insurance. Have you thought about maybe calling an insurance company to get your car insured ?

You are going to find car insurance in California is super expensive. You must have at least liability coverage to drive on public roads in California. If you are stopped they will probably impound the car.

There is a company in CA that is cheap and can help you. I listed them below. Liability will cost around $25 a month.

you need the vehicle id number and the license plate number from your DMV papers and you can get insurance in 10 mins online. I went to geico for my used car insurance, but there are lots of sites. try progressive.com to compare quotes.

I agree with Julie.

Please don't drive without insurance. I live in California and insurance is expensive enough. If you have a wreck you just hurt us all.

There is affordable insurance in CA.

No, you may not operate a motor vehicle without insurance.

Even if you just purchase the minimum liability insurance, you will be in compliance with the state.

Go to an insurance agency with your papers and buy insurance.

look in the yellow pages under "auto insurance"

pick a number - any number

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Spam Filtered (ID:3479677)