CA-Life-Accident-and-Health actual exam practice material help you to clear CA-Life-Accident-and-Health test. If you want get professional and California Department of Insurance real practice, recommend you to use our CA-Life-Accident-and-Health actual test practice material latest version.
Why wait for shipping when your exam date is already set? The moment your payment clears, Actual4test emails your CA-Life-Accident-and-Health practice material, and you can start working through the 157 California Department of Insurance CA Life, Accident and Health or Sickness Examination questions within a minute.
| Certification Vendor: | California Department of Insurance (CDI) |
|---|---|
| Exam Name: | Life, Accident and Health or Sickness Examination |
| Exam Number: | CA-Life-Accident-and-Health |
| Passing Score: | 60% (90 out of 150 questions) |
| Exam Format: | Multiple-choice, Computer-based |
| Real Exam Qty: | 150 |
| Certificate Validity Period: | 2 years (renewable with continuing education) |
| Exam Price: | $88 + $33–$43 PSI convenience fee |
| Exam Duration: | 180 minutes |
| Related Certifications: | Life-Only Agent License Accident and Health or Sickness Agent License |
| Available Languages: | English, Spanish |
| Recommended Training: | CDI Prelicensing Education Requirements |
| Exam Registration: | CDI Exam Information PSI Exam Registration |
| Sample Questions: | California Department of Insurance CA-Life-Accident-and-Health Sample Questions |
| Exam Way: | In-person at PSI testing centers or remote online proctored |
| Pre Condition: | 52 hours pre-licensing education (40 hours product-specific + 12 hours code/ethics) effective Jan 1, 2026; fingerprinting required |
| Official Syllabus URL: | https://www.insurance.ca.gov/0200-industry/0030-seek-pre-lic/prelicensing-educational-objectives.cfm |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Health Insurance | 25% | - Long-term care insurance - Health policy provisions and exclusions - Medical expense and major medical plans - Medicare and Medicare supplements - Disability income insurance |
| Topic 2: Life Insurance | 35% | - Group life insurance - Beneficiary designations and settlement options - Policy provisions, riders, and options - Types of life insurance policies |
| Topic 3: California Insurance Code & Ethics | 20% | - Policy delivery and replacement rules - Unfair trade practices - Ethical standards and anti-fraud provisions - State regulations and licensing rules |
| Topic 4: Annuities and Retirement Plans | 10% | - Tax treatment and suitability - Immediate and deferred annuities - Fixed and variable annuities |
| Topic 5: General Insurance Concepts | 10% | - Insurance marketplace and regulation overview - Insurance contract law and elements - Basic insurance principles and terminology |
The CA-Life-Accident-and-Health exam (CA Life, Accident and Health or Sickness Examination) is the official California Department of Insurance exam that leads to the Life, Accident and Health or Sickness Agent License certification, a credential at the State Insurance Producer License level. Related certifications include Life-Only Agent License, Accident and Health or Sickness Agent License. Actual4test provides 157 practice questions to help you prepare for it with confidence.
The CA-Life-Accident-and-Health exam contains 150 questions and gives you 180 minutes to finish them. Before exam day, divide the total time by the question count so you know the pace you need to keep, and flag difficult items instead of getting stuck on them. Running at least one full timed session in the Actual4test test engine is the best way to make that time pressure feel familiar.
You need 60% (90 out of 150 questions) to pass, and the official registration fee is $88 + $33–$43 PSI convenience fee. Keep in mind that a failed attempt means paying that fee in full again, so it pays to test yourself first. When your scores on the Actual4test timed practice tests stay consistently above the passing line, you are ready to book the exam.
52 hours pre-licensing education (40 hours product-specific + 12 hours code/ethics) effective Jan 1, 2026; fingerprinting required Requirements can change over time, so always double-check the latest eligibility rules before you register on the official California Department of Insurance exam page.
You can book your exam through the official registration channels:
The exam is delivered in the following way: In-person at PSI testing centers or remote online proctored.
California Department of Insurance recommends the following training options for this exam:
Official courses build the foundation, and the 157 CA-Life-Accident-and-Health practice questions from Actual4test help you turn that knowledge into exam-day performance.
Yes. Actual4test offers a free CA-Life-Accident-and-Health PDF demo so you can check the quality of the practice questions before purchasing. After you buy, your product comes with 365 days of free updates, and if it expires you can renew the update service at a 50% discount from your member zone.
Your purchase is protected by our 100% Money Back Guarantee. If you take the corresponding CA-Life-Accident-and-Health exam within 60 days of purchase and do not pass, send us a scan of your enrollment slip and the official Score Report PDF within two days of the exam, and the full refund will be processed within seven days. The candidate name must match the payer name; exams taken within three days of purchase, free materials, and expired orders are not eligible. If you would rather not refund, you can exchange your product for two free products of equal value and keep the update service on your original purchase. Delivery itself is instant: your material is available for download and is emailed to you within one minute of payment. If nothing arrives within two hours, contact our support team. There is no limit on how many computers you may install it on.
The CA-Life-Accident-and-Health syllabus is organized into 5 exam domains. Among the first three are Health Insurance (25%), General Insurance Concepts (10%), Annuities and Retirement Plans (10%). For the complete breakdown of topics and subtopics, see the Exam Topics section above.
Question 1
Which policy provision protects the insurer against possible adverse selection?
A. Entire contract.
B. Nonforfeiture.
C. Reinstatement.
D. Suicide clause.
Question 2
According to the California Insurance Code, all of the following Long-Term Care (LTC) insurance sales are considered unnecessary EXCEPT
A. two additional LTC policies that equal the combined benefits on an existing one.
B. a replacement LTC policy with fewer benefits and a higher premium.
C. an additional LTC policy to an insured who already has two LTC policies.
D. a replacement LTC policy with equal benefits for a lower premium.
Question 3
A contract in which only one party to the contract is legally bound to do anything is
A. unilateral.
B. aleatory.
C. personal.
D. conditional.
Question 4
All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT
A. Members pay fixed monthly fees to the HMO.
B. Out-of-pocket expenses are limited as long as the network is utilized.
C. Members receive care from providers in the HMO network.
D. Members pay higher monthly fees when out-of-network providers are utilized.
Question 5
Which two insurance products are commonly used to fund buy-sell agreements?
A. Disability insurance and deferred compensation.
B. Life insurance and disability insurance.
C. Life insurance and deferred compensation.
D. Disability insurance and Long-Term Care insurance.
Solutions:
| Question 1 Answer: D | Question 2 Answer: D | Question 3 Answer: A | Question 4 Answer: D | Question 5 Answer: B |
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