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

  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Aug 04, 2026
  • Q & A: 157 Questions and Answers

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

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

SectionObjectives
Topic 1: Accident and Health Insurance- Disability income insurance
- Medical expense coverage
- Long-term care insurance basics
Topic 2: State Insurance Regulations (California)- California Insurance Code and regulations
- Licensing requirements and producer conduct
- 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: Annuities and Retirement Concepts- Retirement income options
- Fixed and variable annuities
Topic 5: 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:

1. An insured is receiving benefits from a group health plan for a total disability. Which of the following happens if the existing plan is terminated?

A) The insured ceases to receive benefits.
B) The insured must apply for Social Security benefits.
C) The insured receives benefits from the terminated plan.
D) The insured must apply for individual health coverage.


2. All of the following statements about aleatory contracts are true EXCEPT

A) they may be interpreted as a form of gambling.
B) the insured and insurer contribute equally to they contract.
C) there are cases where the insurer pays nothing.
D) if a loss occurs, the insured's premium is small in relation to the amount the insurer pays.


3. Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), which of the following is a qualifying event?

A) Promotion
B) Relocation
C) Marriage
D) Divorce


4. Your client has just bought a new home which he has financed with a $150,000, 7.5% interest, 30-year bank loan. He would like to be sure that if he dies prematurely, the unpaid balance of the mortgage would be paid.
He wants a policy that will cover the mortgage balance - no more, no less - anytime during the life of the mortgage. Which policy is designed to meet this need?

A) Level term policy.
B) Home service policy.
C) Decreasing term policy.
D) Increasing term policy.


5. According to the California Insurance Code, an insurance policy must specify all of the following EXCEPT the

A) property or life being insured.
B) policy period.
C) risks insured against.
D) financial rating of the insurer.


Solutions:

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

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