2007 California Insurance Code Article 2. Comprehensive Definitions

CA Codes (ins:1625-1630)

1625.  A fire and casualty licensee is a person authorized to act as
an insurance agent, broker, or solicitor, and a fire and casualty
broker-agent license is a license so to act.
   A fire and casualty licensee is also authorized to transact
24-hour care coverage, as defined in Section  1749.02, and any
coverage that a personal lines licensee is authorized to transact
pursuant to Section 1625.5.



1625.5.  (a) A personal lines licensee is a person authorized to
transact automobile insurance, as defined in Section 660, including
insurance for recreational vehicles used for noncommercial purposes,
personal watercraft insurance, residential property insurance, as
defined in Section 10087, including earthquake and flood insurance,
inland marine insurance covering personal property, and umbrella or
excess liability insurance providing coverage when written over one
or more underlying automobile or residential property insurance
policies, and a personal lines broker-agent license is a license to
so act.
   (b) A license under this section shall be applied for and renewed,
following successful completion of a qualifying examination on this
code, ethics, and products sold under the license, in the same manner
as is provided in this chapter for a license to act as a fire and
casualty broker-agent, except as provided in subdivision (c) or where
provided otherwise.
   (c) A person licensed as a personal lines agent who makes an
application to the commissioner to become a fire and casualty
broker-agent pursuant to Section 1625 shall do all of the following:

   (1) Submit an application on a form provided by the commissioner.

   (2) Complete prelicensing education as specified in Section 1749.

   (3) Take and pass a qualifying examination pursuant to Section
1676.
   (d) Notwithstanding any other provision of law, for a personal
lines license:
   (1) "License term" for a personal lines license means all of that
two-year period beginning on the first day of January and ending the
last day of December in the second subsequent year.
   (2) "License year" for a personal lines license means either the
first or second calendar year of a license term.



1625.55.  (a) A limited lines automobile insurance agent is a person
authorized to transact automobile insurance, as defined in Section
660. A limited lines automobile insurance agent license is a license
to so act.
   (b) A license under this section shall be applied for and renewed,
following successful completion of a qualifying examination on this
code, ethics, and products sold under the license, in the same manner
as provided in this chapter for a license to act as a fire and
casualty broker-agent.
   (c) The commissioner shall require in advance a fee for filing any
applications, renewals thereof, or changes in outstanding licenses,
or for the filing of other required documents at an amount designated
in this chapter for a personal lines licensee, and for filing any
notice of appointment or notice of termination at an amount specified
in Section 1751.3.
   (d) A person licensed as a limited lines automobile insurance
agent who makes an application to the commissioner to become a fire
and casualty broker-agent pursuant to Section 1625 or a personal
lines agent pursuant to Section 1625.5 shall do all of the following:

   (1) Submit an application on a form provided by the commissioner.

   (2) Complete prelicensing education as specified in Section 1749.

   (3) Take and pass a qualifying examination pursuant to Section
1676.



1625.56.  "License year" for a limited lines automobile insurance
agent shall be determined as follows:
   (a) Upon initial licensing, the license year starts on the date
the license is issued.
   (b) Subsequently, each license year starts the first day of the
month following the month in which the initial license was issued.
   (c) A license year ends the following calendar year on the last
calendar day of the month in which the initial license was issued.



1625.57.  "License term" for a limited lines automobile insurance
agent means all of that two-year period beginning as described in
subdivision (a) or (b) of Section 1625.56, as applicable, and ending
the second succeeding year on the last calendar day of the month in
which the initial license was issued.



1626.  (a) A life licensee is a person authorized to act as a life
agent. Licenses to act as a life agent under this chapter shall be of
the following types:
   (1) Life-only, which license shall entitle the licensee to
transact insurance coverage on human lives, including benefits of
endowment and annuities, and may include benefits in the event of
death or dismemberment by accident and benefits for disability
income.
   (2) Accident and health, which license shall entitle the licensee
to transact insurance coverage for sickness, bodily injury, or
accidental death and may include benefits for disability income.
   (b)  A accident and health agent licensee is also authorized to
transact 24-hour care coverage, as defined in Section 1749.02,
pursuant to the requirements of subdivision (d) of Section 1749 or
subdivision (d) of Section 1749.33.



1627.  A license is a permit to act in the capacity specified
therein.  A person licensed is the holder of the license.  In case of
a license to act as a life agent, or fire and casualty broker-agent
issued to an organization, the organization is the holder thereof,
but the natural person or persons named thereon are thereby permitted
to exercise the agency or brokerage powers of the organization in
accordance with and subject to the provisions of this chapter and
other applicable law.  As used in this chapter, the term "license"
includes a certificate of convenience and a permanent license, and
the term "persons who are licensed" includes the holders of any such
certificate or the license, but these definitions and the use of
those terms in this chapter shall not confer upon a certificate of
convenience or any holder thereof any property right in or to the
certificate, the certificate being and remaining only a temporary
permit, issued as a matter of convenience, allowing the transaction
of insurance without a permanent license, but within the limits, and
subject to the conditions of the certificate of convenience issued
and the laws applicable thereto.



1628.  As used in this chapter, an "organization" means any legal
entity other than a natural person.  Where reference is made to a
natural person named on an organization license, the reference shall
be to a person who is named to exercise the power and perform the
duties under an organization license.  The natural person named on
the organizational license shall meet the qualifications required for
the type of license sought by the organization.



1629.  "License year" as used in this chapter shall be determined
for each entity as follows:
   (a) Upon initial licensing, the license year starts on the date
the license is issued.
   (b) Subsequently, each license year starts the first day of the
month following the month in which the initial license was issued.
   (c) A license year ends the following calendar year on the last
calendar day of the month in which the initial license was issued.



1630.  "License term" as used in this chapter means all of that
two-year period beginning as described in subdivision (a) or (b) of
Section 1629, as applicable, and ending the second succeeding year on
the last calendar day of the month in which the initial license was
issued.