Become a Licensed Insurance Agent

Agent Categories and Agreements

There are two categories of agents, which have different requirements for certification. To align with Covered California's agency-contracting structure and agency portal, all Covered California licensed insurance agents must sign one of two agreements: the agency agreement or the non-monetary agreement.

Agencies of One or More

The agency's authorized signer or the agency manager must sign the Agency Agreement (PDF) . Every agency must designate an agency manager. The agency manager is responsible for all business submitted to Covered California and the management of all agents using that agency's federal tax identification number. Current independent agents are required to sign the Agency Agreement because they are identified as an agency of one and will be designated as the agency manager.

Agency managers must complete the certification process and submit additional forms to become certified. Visit the Agency Manager Toolkit (PDF) and access the Agency Certification Onboarding Task Guide (PDF) for more information.

Agents Working for an Agency

Agents who are employed by agencies must sign the Non-Monetary Agreement (PDF) in order to associate them with that agency and to ensure the agent meets his or her contractual obligations with Covered California. No information will be collected for commission-payment purposes.

Agents must also complete the certification process and submit additional forms to become licensed. Visit the Agency Manager Toolkit (PDF) and access the Downline Agent Onboarding Guide (PDF) for more information.

Agent Compensation

The Agent Commission Structure (PDF) outlines the commission-payment source for individual enrollments and Covered California for Small Business enrollments.