Exam to obtain a license as an insurance agent
Until now, the tests to be accredited in California have been done in English, but the growth of the Hispanic population generates changes.
If you are aspiring to become an insurance sales agent, and you are concerned that you are not yet fluent in English and think that this may be an obstacle, breathe easy. In California, very soon you will have the option to take the exam to obtain the license also in California.
Currently the evaluations to accredit you and to be able to practice as an insurance agent are only in English, but this will change in a little over a year since Governor Jerry Brown has approved measure AB 1899 presented by the leader of the Democratic majority in the Assembly, Whittier Assemblyman Ian Calderón, who requires that all exams to obtain a license for insurance agents be in English and Spanish .
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"By offering this exam in Spanish, Spanish-speaking applicants to be insurance agents will be able to better understand the complexities of insurance policies," said Calderón.
" In addition to protecting consumers from speaking of fraud or miscommunication, this law will give Hispanic speakers an equal opportunity to take a test to be accredited in their first language and being part of the workforce" , s eñaló.
The California Department of Insurance offers licenses for many types of insurance that include insurance agents and adjusters.
"It is definitely a good law that will help a lot. I wish it had existed 20 years ago when I became an insurance agent, "said Hildefonso Gastélum, an insurance agent with offices in Downey.
“It was very difficult for me to obtain the license because I had two or three years of coming to this country when I went to take the exams. I didn't know English very well, I spent several nights awake studying for the evaluation and I even had to translate the words to understand them. I still failed the exam the first time. It had a lot to do with not speaking English. Language is a very big barrier when one is an immigrant and has little time in the country,
This bill was proposed on the basis that Hispanic speakers make up a very large portion of the population in California. 2014 American Community Survey
According to 2006 Florida State University research, Latino heads of households are less likely to buy life insurance than the general population. Only 32% of Latinos buy life insurance compared to 62% of the general population.
Another 2012 study from the Market Research and Life Insurance Association found that such a disparity is because Latino families have less contact with insurance agents.
Calderón noted that in California, the Latino population is expected to continue to rise. Therefore, he emphasized that the new AB1899 law meets the needs of the diverse population of the state.
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The law will take effect on January 1, 2018 to give the Insurance Department time to prepare for the exams in Spanish and will require the Commissioner of Insurance to evaluate the results and submit a report to the legislature by March 1, 2023.On January 1, 2024, the law will have to be renewed by state lawmakers, otherwise it will expire.
