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Last Updated: Nov 03, 2026

No. of Questions: 157 Questions & Answers with Testing Engine

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California Department of Insurance CA-Life-Accident-and-Health Practice Q&A's

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California Department of Insurance CA-Life-Accident-and-Health Exam Overview:

Certification Vendor:California Department of Insurance (CDI)
Exam Name:CA Life, Accident and Health or Sickness Examination
Exam Number:CA-Life-Accident-and-Health
Exam Price:USD 88
Related Certifications:California Life Agent License
California Accident and Health or Sickness Agent License
Passing Score:60%
Certificate Validity Period:2 years
Real Exam Qty:150-160
Available Languages:English, Spanish
Exam Format:Multiple Choice
Exam Duration:180-195
Sample Questions: DOWNLOAD DEMO
Exam Way:Computer-based testing at PSI test centers or approved remote online proctored examination.
Pre Condition:Completion of a 40-hour Life and Accident & Health prelicensing course plus a 12-hour California Insurance Code and Ethics course (52 hours total) is generally required before license issuance.
Official Syllabus URL:https://www.insurance.ca.gov/0200-industry/0010-producer-online-services/0200-exam-info/examtimesandquestion.cfm

California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

SectionObjectives
Life Insurance- Policy Provisions and Riders
  • 1. Settlement Options
  • 2. Beneficiary Designations
  • 3. Policy Loans
  • 4. Nonforfeiture Options
- Life Insurance Policies
  • 1. Universal Life Insurance
  • 2. Whole Life Insurance
  • 3. Variable Life Insurance
  • 4. Term Life Insurance
Ethics and Professional Conduct- Agent Responsibilities
  • 1. Privacy and Confidentiality
  • 2. Replacement Regulations
  • 3. Unfair Trade Practices
  • 4. Ethical Sales Practices
Accident and Health Insurance- Policy Provisions
  • 1. Coordination of Benefits
  • 2. Managed Care Plans
  • 3. Claims Procedures
  • 4. Eligibility and Renewability
- Health Insurance Policies
  • 1. Long-Term Care Insurance
  • 2. Medicare and Medicaid
  • 3. Medical Expense Plans
  • 4. Disability Income Insurance
Basic Insurance Concepts and Principles- Insurance Fundamentals
  • 1. Utmost Good Faith
  • 2. Insurable Interest
  • 3. Indemnity
  • 4. Risk Management
California Insurance Laws and Regulations- State Regulatory Framework
  • 1. California Insurance Code
  • 2. Consumer Protection Regulations
  • 3. Producer Responsibilities
  • 4. Licensing Requirements

California Department of Insurance CA-Life-Accident-and-Health Exam — Your Questions, Our Answers

Yes — the free trial exists so customers can fully understand the system before buying. Download the sample CA-Life-Accident-and-Health practice questions at no cost, explore the interface, and check the verified answers yourself. Once you purchase, 365 days of free updates are included, and if the product expires, the update service renews at a 50% discount from your member zone.

The California Department of Insurance CA Life, Accident and Health or Sickness Examination blueprint is organized into 5 domains, led by Basic Insurance Concepts and Principles, Accident and Health Insurance, and California Insurance Laws and Regulations. The complete weighted syllabus appears above on this page — it is the checklist your preparation should be measured against.

You will face 150-160 questions within 180-195 on the CA-Life-Accident-and-Health exam. The real exam pressure comes from that ratio — knowledge alone does not finish exams on time. Rehearse with the ActualTestsQuiz test engine's timed mode, repeat the same question sets until the answers consolidate, and pacing stops being a risk factor.

Completion of a 40-hour Life and Accident & Health prelicensing course plus a 12-hour California Insurance Code and Ethics course (52 hours total) is generally required before license issuance.

Eligibility rules do get revised, so before booking, verify the current requirements on the official California Department of Insurance exam page.

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The CA-Life-Accident-and-Health exam — full title CA Life, Accident and Health or Sickness Examination — is California Department of Insurance's own certification test, and passing it awards the California Department of Insurance Certification certification at the Professional level. The certificate is valuable precisely because it is demanding: it proves to employers that your skills survived a vendor-built examination. It also serves as a stepping stone toward California Life Agent License, California Accident and Health or Sickness Agent License.

The passing score is 60%, and the official registration fee is USD 88. Note that the fee pays for a single attempt — a retake is charged at full price again, which is the expensive way to discover weak spots. The cheaper discovery method is self-testing: drill 157 practice questions at ActualTestsQuiz in timed mode until your scores clear the passing mark with room to spare, then register.

California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

Question #1

The conversion privilege allows a terminated employee to convert

  • A. an annuity into group life insurance.
  • B. permanent insurance into term insurance.
  • C. group life insurance into an annuity.
  • D. term insurance into permanent insurance.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #2

Vision care insurance usually covers all of the following EXCEPT

  • A. eye examinations.
  • B. eyeglass frames.
  • C. contact lenses.
  • D. eye surgery.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #3

The total premium paid by a life policy owner for one policy year is

  • A. less when paid quarterly than if paid semiannually.
  • B. based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.
  • C. greater if the premium is paid semiannually rather than annually.
  • D. the same regardless of the frequency of payment.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #4

What is the definition of premium?

  • A. Money an insured pays an insurer to obtain benefits provided in the policy.
  • B. Money an insurer pays to an insured to obtain the benefits provided in the policy.
  • C. Amount the insured pays per unit of coverage (e.g., $10 per $1,000 of coverage).
  • D. Bonus paid by an agent to convince an insured to buy a policy.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #5

According to California Insurance Code, an insurance policy must be

  • A. negotiated between the agent and the insured.
  • B. in writing.
  • C. approved by the Insurance Commissioner.
  • D. economically feasible for the insured.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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