Passing exam with CA-Life-Accident-and-Health latest training materials

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Updated: Aug 09, 2026

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

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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
Real Exam Qty:Approximately 150 scored questions (varies by exam version)
Exam Price:Approximately USD 50–70 (plus licensing application fees, varies by registration channel)
Available Languages:English, Spanish (availability depends on testing center/version)
Exam Duration:Approximately 120–150 minutes
Passing Score:Typically ~60% (scaled score; subject to PSI scoring rules)
Certificate Validity Period:License valid for 2 years (subject to continuing education requirements)
Related Certifications:Life Only License
Accident and Health Only License
Property and Casualty License (related insurance licensing pathway)
Exam Format:Multiple-choice, Computer-based testing
Recommended Training:ExamFX Insurance Pre-Licensing Training
Kaplan Insurance Licensing Exam Prep
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:

SectionObjectives
Topic 1: Insurance Basics and Principles- Insurance terminology and principles
- Risk management concepts
Topic 2: State Insurance Regulations (California)- Licensing requirements and producer conduct
- California Insurance Code and regulations
- Unfair trade practices and ethics
Topic 3: Life Insurance Concepts- Beneficiaries and settlement options
- Policy provisions and riders
- Types of life insurance policies (term, whole life, universal life)
Topic 4: Accident and Health Insurance- Long-term care insurance basics
- Medical expense coverage
- Disability income insurance
Topic 5: Annuities and Retirement Concepts- Retirement income options
- Fixed and variable annuities

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

1. The purchase of an insurance policy may accomplish all of the following for the insured EXCEPT

A) a reduction of uncertainty.
B) the elimination of the risk.
C) a replacement of a large possible loss by a "smaller certain loss".
D) a reduction in worry/greater peace of mind.


2. Which contract provision forgives the payment of all health or disability insurance premiums whilethe insured is disabled?

A) guaranteed insurability
B) cost of living
C) waiver of premium
D) family leave


3. After the deductible, what portion does a patient pay for covered expenses under Medicare Part B?

A) 50%
B) 80%
C) 100%
D) 20%


4. Which group provides information about health-related issues to the elderly in California?

A) Medicare supplement insurers.
B) The Health Insurance Counseling and Advocacy Program (HICAP).
C) The National Health Care Anti-Fraud Association.
D) Long-term care insurance providers.


5. All of the following are characteristics of adverse selection EXCEPT

A) poor underwriting results may occur if too many of the applicants accepted for insurance are those most likely to incur serious losses.
B) insurance companies cannot discriminate against applicants who have a higher probability of loss.
C) it normally occurs if the premium is low relative to the loss exposure.
D) people with the greatest probability of loss are the ones most likely to buy insurance.


Solutions:

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

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