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

  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Oct 20, 2026
  • Q & A: 157 Questions and Answers

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About California Department of Insurance CA-Life-Accident-and-Health Exam Questions

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

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

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

Question #1

How many days does the California Insurance Code give an individual to return a life policy for cancellation?

  • A. Between 60 and 90 days.
  • B. Not less than 30 nor more than 60 days.
  • C. Between 10 and 30 days.
  • D. Less than 10 days.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #2

Health Insurance Counseling and Advocacy Program (HICAP) counselors can do all of the following EXCEPT

  • A. help evaluate policies.
  • B. assist in medical record keeping.
  • C. charge for their services.
  • D. explain Medicare supplement coverages.
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Correct Answer: C  🗳️

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Question #3

After the deductible is satisfied, what percentage of a reasonable charge does Medicare Part B pay?

  • A. 80%
  • B. 40%
  • C. 20%
  • D. 100%
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Correct Answer: A  🗳️

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Question #4

A contract in which only one party to the contract is legally bound to do anything is

  • A. conditional.
  • B. unilateral.
  • C. personal.
  • D. aleatory.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #5

A Hospital Confinement Indemnity insurance policy pays

  • A. the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital.
  • B. the amount of the actual hospital expenses.
  • C. 100% of the covered medical expenses less the deductible and coinsurance percentage.
  • D. an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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