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

CA-Life-Accident-and-Health

Exam Code: CA-Life-Accident-and-Health

Exam Name: CA Life, Accident and Health or Sickness Examination

Updated: Jul 29, 2026

Q & A: 157 Questions and Answers

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About California Department of Insurance CA-Life-Accident-and-Health Exam

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

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

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

1. During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's

A) goals and needs.
B) existing long term care coverage.
C) attending physician statement.
D) ability to pay for the coverage.


2. Which of the following is NOT an example of cost sharing in a health insurance policy?

A) Copayment
B) Coordination
C) Deductible
D) Coinsurance


3. People commonly purchase an annuity to protect against the risk of

A) dying before their home mortgage is paid off.
B) dying too soon.
C) outliving their financial resources.
D) becoming uninsurable.


4. Policies covered under the California Life and Health Insurance Guarantee Association include all of the following EXCEPT

A) self-funded group life.
B) disability income.
C) deferred annuities.
D) individual health.


5. A method of selling insurance by using mass media advertising is known as

A) telemarketing.
B) direct writer.
C) direct response.
D) syndication.


Solutions:

Question # 1
Answer: C
Question # 2
Answer: B
Question # 3
Answer: C
Question # 4
Answer: A
Question # 5
Answer: C

Related Certifications
California Department of Insurance Certification
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