California Department of Insurance CA-Life-Accident-and-Health Q&A - in .pdf

  • CA-Life-Accident-and-Health pdf
  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Aug 16, 2026
  • Q & A: 157 Questions and Answers
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  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
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  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Aug 16, 2026
  • Q & A: 157 Questions and Answers
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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

SectionWeightObjectives
Life Insurance35%- Types of life insurance policies
- Beneficiary designations and settlement options
- Group life insurance
- Policy provisions, riders, and options
General Insurance Concepts10%- Insurance contract law and elements
- Insurance marketplace and regulation overview
- Basic insurance principles and terminology
Annuities and Retirement Plans10%- Immediate and deferred annuities
- Tax treatment and suitability
- Fixed and variable annuities
Health Insurance25%- Long-term care insurance
- Medical expense and major medical plans
- Health policy provisions and exclusions
- Medicare and Medicare supplements
- Disability income insurance
California Insurance Code & Ethics20%- Policy delivery and replacement rules
- Unfair trade practices
- State regulations and licensing rules
- Ethical standards and anti-fraud provisions

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

1. An emergency medical technician can return to gainful employment as a telephone solicitor and continue to collect disability under which clause of a disability policy?

A) Partial payment.
B) Own occupation.
C) Work indemnity.
D) Recovery period.


2. Which type of insurance policy provides a death benefit that matches the projected outstanding debt on an individual's home?

A) Joint life.
B) Mortgage redemption.
C) Level term.
D) Family protection.


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

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


4. The most common type of specified disease insurance policy is

A) heart disease.
B) cancer.
C) diabetes.
D) cataract.


5. Which program is designed to provide medical assistance to people with low incomes?

A) Medicare.
B) Social Security.
C) Workers' Compensation.
D) Medical.


Solutions:

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

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