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California Department of Insurance CA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | California Department of Insurance (CDI) |
|---|---|
| Exam Name: | California Life, Accident and Health or Sickness Insurance Examination |
| Exam Number: | CA-Life-Accident-and-Health |
| Exam Price: | Approximately USD 50–70 (plus licensing application fees, varies by registration channel) |
| Exam Duration: | Approximately 120–150 minutes |
| Related Certifications: | Property and Casualty License (related insurance licensing pathway) Accident and Health Only License Life Only License |
| Exam Format: | Computer-based testing, Multiple-choice |
| Available Languages: | Spanish (availability depends on testing center/version), English |
| Certificate Validity Period: | License valid for 2 years (subject to continuing education requirements) |
| Passing Score: | Typically ~60% (scaled score; subject to PSI scoring rules) |
| Real Exam Qty: | Approximately 150 scored questions (varies by exam version) |
| Recommended Training: | Kaplan Insurance Licensing Exam Prep ExamFX Insurance Pre-Licensing Training |
| Exam Registration: | California Department of Insurance Licensing Information PSI Exams Candidate Portal |
| Sample Questions: | California Department of Insurance CA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based exam delivered via PSI testing centers and/or remote proctoring (availability may vary) |
| Pre Condition: | No formal prerequisite exam required; applicants must meet California Department of Insurance licensing requirements and be approved to sit for the exam via PSI. |
| Official Syllabus URL: | https://www.insurance.ca.gov |
California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Accident and Health Insurance | - Disability income insurance - Medical expense coverage - Long-term care insurance basics |
| State Insurance Regulations (California) | - Unfair trade practices and ethics - California Insurance Code and regulations - Licensing requirements and producer conduct |
| Life Insurance Concepts | - Beneficiaries and settlement options - Types of life insurance policies (term, whole life, universal life) - Policy provisions and riders |
| Annuities and Retirement Concepts | - Fixed and variable annuities - Retirement income options |
| Insurance Basics and Principles | - Insurance terminology and principles - Risk management concepts |
California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
All of the following describe examples of risk avoidance EXCEPT the insured
- A. never flying in airplanes.
- B. sensing the chance of a lawsuit and therefore giving his pet Bengal tiger to a local zoo.
- C. recognizing that his driving skills are deteriorating and therefore increasing the liability limits of his auto policy.
- D. never leaving his house after dark.
Correct Answer: C 🗳️
Explanation: Only visible for SurePassExams members. You can sign-up / login (it's free).
The additional premium charged by an insurer for adding the accidental death benefit to a whole life policy
- A. increases the policy's cash value.
- B. decreases the length of time that premiums are payable.
- C. does not affect the policy's cash value.
- D. increases the yearly dividend amount.
Correct Answer: C 🗳️
Explanation: Only visible for SurePassExams members. You can sign-up / login (it's free).
If a term life insurance policy is renewable, the renewal provision usually states that
- A. the policy can be renewed at any time, regardless of the insured's age.
- B. the policy cash value increases at each renewal.
- C. a higher premium is payable at each renewal.
- D. evidence of insurability is required at the time renewal is requested.
Correct Answer: C 🗳️
Explanation: Only visible for SurePassExams members. You can sign-up / login (it's free).
Risk can be defined as all of the following EXCEPT
- A. uncertainty.
- B. the cause of loss.
- C. the probability of an unexpected outcome.
- D. the chance of loss.
Correct Answer: B 🗳️
Explanation: Only visible for SurePassExams members. You can sign-up / login (it's free).
Which policy provision protects the insurer against possible adverse selection?
- A. Reinstatement.
- B. Suicide clause.
- C. Entire contract.
- D. Nonforfeiture.
Correct Answer: B 🗳️
Explanation: Only visible for SurePassExams members. You can sign-up / login (it's free).
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