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

CA-Life-Accident-and-Health
  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Aug 12, 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
Annuities and Retirement Plans10%- Fixed and variable annuities
- Immediate and deferred annuities
- Tax treatment and suitability
California Insurance Code & Ethics20%- State regulations and licensing rules
- Unfair trade practices
- Policy delivery and replacement rules
- Ethical standards and anti-fraud provisions
Health Insurance25%- Disability income insurance
- Long-term care insurance
- Medicare and Medicare supplements
- Health policy provisions and exclusions
- Medical expense and major medical plans
General Insurance Concepts10%- Basic insurance principles and terminology
- Insurance contract law and elements
- Insurance marketplace and regulation overview
Life Insurance35%- Policy provisions, riders, and options
- Group life insurance
- Types of life insurance policies
- Beneficiary designations and settlement options

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

1. Which of the following is NOT an example of cost sharing in a health insurance policy?

A) Coordination
B) Deductible
C) Copayment
D) Coinsurance


2. Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a qualifying event ensures that an employee who loses coverage can

A) request a waiver of premium.
B) elect to continue coverage.
C) convert to an individual policy.
D) transfer coverage to another group.


3. All of the following are features of a Preferred Provider Organization (PPO) EXCEPT

A) employees have a choice of practitioners.
B) primary care physicians act as gatekeepers.
C) dependents do not need referrals to see a specialist.
D) providers are paid on a fee-for-service basis.


4. Risk can be defined as all of the following EXCEPT

A) the cause of loss.
B) the probability of an unexpected outcome.
C) the chance of loss.
D) uncertainty.


5. What factor supports the principle of indemnity?

A) Reasonable expectations.
B) Utmost good faith.
C) Insurable interest.
D) Contract of adhesion.


Solutions:

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

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