Module 1
Producer duties and public trust
Agency authority, fiduciary behavior, honesty, and professional accountability.
California · Original 101PD learning guide
California Insurance Ethics and Code: 12-Hour Education Guide
A California-specific map of producer ethics, Insurance Code duties, consumer safeguards, and the line between approved education and independent exam preparation.
California now centers prelicensing education on the separate 12-hour ethics and Insurance Code requirement. Keeping that curriculum distinct from line-specific exam preparation prevents learners from mistaking test review for approved statutory education.
Skills you will practice
- Ethical issue spotting
- Insurance Code navigation
- Consumer-protection analysis
- Documentation decisions
- Escalation judgment
Prerequisites
- No prior insurance license is required to study the material.
Designed for
California insurance license applicants · Career changers · Agency onboarding teams
What a learner should be able to do
- Outcome 1
Explain the duties that apply before, during, and after an insurance sale.
- Outcome 2
Recognize prohibited or misleading conduct in realistic producer scenarios.
- Outcome 3
Use a repeatable process to document, disclose, and escalate compliance concerns.
- Outcome 4
Separate this statutory curriculum from line-specific licensing-exam preparation.
Original curriculum architecture
The final course will expand these modules with original explanations, realistic cases, practice questions, and source review.
Module 2
Sales conduct and disclosures
Needs analysis, suitability, replacement, advertising, and documentation.
Module 3
California consumer safeguards
Unfair practices, senior protection, privacy, fraud awareness, and complaint handling.
Module 4
Applied code decisions
Short case files that require a rule, a record, and a defensible next step.
Applied portfolio exercise
Producer ethics decision file
Build a concise compliance file for a simulated sale involving disclosure, replacement, privacy, and escalation issues.
- Issue checklist
- Consumer-facing disclosure draft
- Supervisor escalation note
Sources and boundaries
Sources establish current requirements and standards. They do not supply 101PD’s lesson text, scenarios, assessments, or project work.
- California Department of Insurance licensing education
Current California producer licensing, education, and examination guidance.
- 101PD original-work standard
101PD develops its own explanations, examples, assessments, and applied projects.