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LICENSING
California Pre-licensing Training, Application, and Exam Scheduling 

Get Licensed
1. Schedule Exam (3 hour exam)
  • Go to PSI Link -  $45-$54 - testing fee may vary by state*
  • Click on - Government/State Licensing AgenciesSelect Account- CA Dept of Insurance
  • Click on- CA CDI Site-Life Only Agent Examination (for life-only)
    •  OR 
     CA CDI Site- Life Accident & Health Agent Examination (for life & health)
  • Sign In & Create An Account - Then Schedule your exam
  • Click on TestTeachersOnline or Prelicense Training as your prelicense course; or select (insurance & Securities School of California) if you used 52hours.com 
2. Study for your Exam (CALIFORNIA ONLY) (1-2 weeks)
  • Sign up with Pre License Training to study and prepare for your exam
  • Select for which course you need to study
    GET a DISCOUNT!
  • Choose your combo
  • At checkout, enter the code:
  • FBthankyou95 to get 50% off discount
  • Enter Referral code (HM89822)
  • {If the code doesn't work, let your upline know or email me and I'll give you a different one.)
CA CDI Site- Life Accident & Health Agent Examination (for life & health)
Life Agent Combo
52 Hours
Life Agent Combo is the course you will need to obtain both Life Only and Accident & Health licenses (Basically 1 for 2, one course for two licenses). A Life Only and Accident & Health licensee is a person authorized to act as a life agent which entitles them to transact insurance coverage on human lives, endowments, annuities, accidental death, disability income, sickness, bodily injury, 24 hour Care coverage, as well as Long Term Care insurance. This course INCLUDES the 12 hour Code and Ethics. 

*You will receive 90 days access to the above course and as a bonus you get 7 days free access to video cram and a 20% off discount to StudyHall.

$79.99 *$39.99 with CODE (FBthankyou95), Referral code HM89822
CA CDI Site-Life Only Agent Examination (for life-only)

Life Only
20 hours
Life Only is the course you will need to obtain your Life Only Agent license (LO). A Life Only licensee is a person authorized to act as a life agent which entitles them to transact insurance coverage on human lives, endowments, annuities, accidental death and disability income. You will also need the 12 hour Code and Ethics course in order to obtain this license. 

*You will receive 90 days access to the above course and as a bonus you get 7 days free access to video cram and a 20% off discount to StudyHall.



$39.99 *$19.99 with CODE (FBthankyou95), Referral code HM89822
Helpful Tools:
           Study Exams (printable)
           Glossary Terms (printable)
3. Pass your Exam (3 hour Exam)
  • You'll need 60% to pass
4. Get Fingerprinted (20 minutes)
  • Approximataely $58-$70
    ** It is recommended that you complete your fingerprints prior to your examination, this will help speed up the process in the issuance of your State License. The fingerprint card, as well as fingerprint location may be picked up from your SMD.
5. Register for License (30 mins)
  • Complete the FLASH  Application ($154)
  • You'll need your Passed Examination letter
  • Your license will take up to 4 weeks to arrive
KEY POINTS
* Click Life-Only Agent (if getting Life&Health License- click Accident/Health also)
* Your Business Address of where you do your meetings or home address.
Questions on Application:
*Do you intend to act as a Variable Contract Agent? NO
*Are you registered with SECO or FINRA? NO
*Do you intend to limit activity to sale of funeral or burial expense? NO
*Are you affiliated with a financial institution? YES- (WFG)
California Resident Applicants - Effective November 13, 2012 the California Department of Insurance (CDI) online license application 
service now requires that you enter your California Identification number (California ID) that was provided to you 
when you passed your qualifying license examination. The California ID is a 12-digit number that is located on the upper left corner 
of your passed examination letter.
6. Download, Print, and EMAIL license (15 min)

Prerequisites for Appointments
You'll need to complete the following PRIOR to getting appointed:
  • IUL Course (Free)
    Login to     WFG Website
    *Click on- Tools
    *Click on- IUL (complete this course, it should take 15 minutes)
  • 4 hr AML (Anti-Money Laundering) Course
  • 8 hr Annuity Course
1) IUL Course (25 min to complete)
  1. Log into mywfg.com
  2. Go to Tools
  3. Under Licensing & Training
  4. Click on IUL
  5. Complete the course and you are done!
2) AML and Annuity Course (2 Hrs to Complete) *STATE REQUIRED
  1. Login to WFG Website (other sites include Webce.com, or FastrackCe.com: Use discount code PREVIOUS ($12.76 w/ discount)  
    )
          *Click on - Tools
          *Go to License and Training
  • Enroll in the TOTAL ACCESS CE | $34.95 (Includes AML, Long-Term Care
    and Annuities)     for CA.
  • Complete the AML & Annuities courses
  • ** Optional: Additionally if you would like to get paid to do rollovers or transfers from 401K's ,IRA's,403B's. You will need to do the CA annuity (8)
    hours course(included in the Total Access.)The Annuity course can be done at a later time if preferred.          
    FAX Certificate to 678-966-6100 if completed.
  • *** Also, if you plan on marketing Long Term Care (LTC), you must first be Life&Health Licensed. The State of California requires that you complete the
    California (8) hour LTC training. The LTC training course may also be done at a later time if preferred.     FAX Certificate to 678-966-6100 if completed.
  • *You'll need to know your license number
  • Email the certificates to WFGLicensingAML@transamerica.com
    or FAX to 678-966-6100
  • Include your Agent Code # in the subject
    *** Very important; Make sure to call Agent Services to verify they have received a copy of your certificate at 770-246-9889.

Get Appointed and Setup E&O
1) With WRL and Transamerica (1 hr)
  1. Log into www.mywfg.com
  2. Click on Tools
  3. Scroll down to Licensing and Training
  4. Click on Appointments - Online Submission
  5. Select Western Reserve Life (P00002) - Resident
  6. Select Transamerica Financial Life Insurance Company (P00401) - Resident
  7. Complete and follow directions.
  • You are not authorized to write business until you have received appointment approval directly from Transamerica by email. 
  • Inquiries can be submitted to the Agent Services Unit:
                                        Email to:    wfgagentserv@transamerica.com
                                        Phone (770) 246-9889
Other Appointments:

2) With ING (Fax ALL forms using the fax sheet from ING to 678-966-6100)

3) With NATIONWIDE Financial
  • Individual Life (download file below)
nationwide2014.pdf
File Size: 59 kb
File Type: pdf
Download File
4) With Jackson National (for IRA, rollovers, etc.)
  1. Log into www.mywfg.com
  2. In the search box area type in:  Jackson National Life (PM0127)
  3. Download and print the Jackson National Life Producer Data Sheet 
  4. Fill out the application completely. Have your trainer review the paperwork before faxing
  5. Submit a copy of your license, 8hr annuity certificate, AML Certificate
  6. Fax in the paperwork to: 678.966.6100 


5) Setup E&O (30 mins)
  1. Log into www.mywfg.com
  2. Hover over Tools
  3. Go to Administration and Compliance (scroll down to view)
  4. Click on Payment Central
  5. Complete and follow directions to enroll into E&O
  6. Click on- US- Manage E&O Recurring (Monthly) Payments

    Submitting more than 2,000 points waives the $30 E&O fee; If you submit 6,000 points your E&O is waived for 3 months. 

    *If you choose to have your E&O deducted from your commissions, you will not be eligible for the waiver for 2,000 points & they charge an extra $10 ($40 total per month). It is better to have it deducted through your credit card or debit card.

Get PAID
Set up Direct Deposit:

*Direct Deposit is not required if you wish to receive a Hard Check. However, it takes a few days longer to get paid through payroll checks & they will charge you an extra $10. Call Agent Services to Verify your form was received (770)246-9889

Direct Deposit Form
The Fax number is provided on the form.

**** ALMOST DONE!!!  Just TWO more steps... ****

Verify all submissions were received and start submitting and get PAID
Login to the WFG Website (click on link below)
*Click on- Tools
*Click on- Licensing & Appointments 
*Click on- View All License & Appointment Information

You should see your Life License Active, Anti Money Laundering Active, Equity Index Universal Life (IUL) - All courses must show Active in order to get paid. 

For Providers- you should see Western Reserve Life Active, Transamerica, ING Active, Nationwide Active. You may only be paid on the providers that show active (It could take about 1 week after you FAX paperwork to show in the computer)
 
*It is important to know that if your team writes a piece of business with a provider that you are not appointed with, you will not receive a supervisor override.

It is your responsibility to Call Agent services and confirm all the documents were received, they will walk you through the process if necessary; If the appointments are not showing, call Agent Services to make sure appointments and a copy of your licensed was received (or) if you have any other questions: 
Agent Services (770) 246-9889.


Congratulations! You've completed the Licensing process!
You are on your way to a successful future and many people will be blessed by your services.

Resources: