State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 1626(a)(1), a 'life agent' is a person who:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 1626(a)(1) defines a life agent as a person who transacts life insurance — including group life, endowment, and annuity contracts — and the life license in California carries authority to transact disability insurance incidental to life insurance transactions. Property and casualty lines require separate licensing, and the life and disability analyst is a distinct role under Sections 32.5 and 1831-1849.
Why the other options are wrong
- B) Property and casualty lines require a separate property-casualty agent license, not a life license.
- C) An analyst has a different role under Sections 32.5 and 1831-1849, distinct from a life agent's transacting authority.
- D) Group health coverage alone is transacted under accident and health agent authority, not as a life agent's core definition.
Memory hook
Life agent = life + annuities, with disability riding along when it is incidental to life transactions.