Study with CA-Life-Accident-and-Health Actual Test Questions

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Last Updated: Oct 16, 2026

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

SectionWeightObjectives
Topic 1: California Insurance Code & Ethics20%- Ethical standards and anti-fraud provisions
- State regulations and licensing rules
- Unfair trade practices
- Policy delivery and replacement rules
Topic 2: Health Insurance25%- Long-term care insurance
- Health policy provisions and exclusions
- Disability income insurance
- Medical expense and major medical plans
- Medicare and Medicare supplements
Topic 3: Life Insurance35%- Beneficiary designations and settlement options
- Policy provisions, riders, and options
- Types of life insurance policies
- Group life insurance
Topic 4: Annuities and Retirement Plans10%- Fixed and variable annuities
- Tax treatment and suitability
- Immediate and deferred annuities
Topic 5: General Insurance Concepts10%- Insurance marketplace and regulation overview
- Basic insurance principles and terminology
- Insurance contract law and elements

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

Question #1

It is considered an unfair method of competition for an agent to advertise that the insurer the agent is appointed with is

  • A. an admitted insurer in the state of California.
  • B. highly rated by A.M. Best Company.
  • C. fully authorized by certification to sell insurance.
  • D. a member of the Insurance Guarantee Association.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #2

How does the cost recovery rule apply when a life insurance policy is surrendered for its cashvalue?

  • A. The insured receives only the cost basis.
  • B. The cost basis of the policy is exempt from taxation.
  • C. The entire surrender value is taxable.
  • D. The insurer retains the cost basis.
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Correct Answer: B  🗳️

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Question #3

According to California Insurance Code, an insurance policy must be

  • A. economically feasible for the insured.
  • B. negotiated between the agent and the insured.
  • C. in writing.
  • D. approved by the Insurance Commissioner.
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Correct Answer: C  🗳️

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Question #4

What is the limit of liability in a term life insurance policy?

  • A. The total cash value.
  • B. The total amount of premiums paid.
  • C. The face amount plus the premiums paid.
  • D. The face amount of the policy.
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Correct Answer: D  🗳️

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Question #5

When is the automatic loan provision activated?

  • A. At the end of the free-look period.
  • B. At the end of the incontestability period.
  • C. On the premium due date.
    OB. At the end of the grace period.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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