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California Department of Insurance CA-Life-Accident-and-Health

CA-Life-Accident-and-Health

Exam Code: CA-Life-Accident-and-Health

Exam Name: CA Life, Accident and Health or Sickness Examination

Updated: Aug 29, 2026

Q & A: 157 Questions and Answers

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

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

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

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

Question 1

What rights do individuals have if they disagree with a decision on the amount Medicare will pay?

A. They can terminate making premium payments until the claim is resolved.
B. They can request a second opinion by the state medical examiner.
C. They can ask the Medicare carrier to review the decision.
D. They can change Medicare carriers.


Question 2

According to the Employee Retirement Income Security Act of 1974 (ERISA) fiduciary standards, benefit plans are operated for

A. plan sponsors and employees.
B. plan sponsors and beneficiaries.
C. plan employees.
D. plan participants and beneficiaries.


Question 3

Which program is designed to provide medical assistance to people with low incomes?

A. Social Security.
B. Medicare.
C. Workers' Compensation.
D. Medical.


Question 4

The total premium paid by a life policy owner for one policy year is

A. based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.
B. less when paid quarterly than if paid semiannually.
C. greater if the premium is paid semiannually rather than annually.
D. the same regardless of the frequency of payment.


Question 5

California long-term care policies may be identified as any of the following EXCEPT

A. Acute Hospital Care only.
B. Nursing Facility and Residential Care Facility only.
C. Home Care only.
D. Comprehensive Long-Term Care.


Solutions:

Question 1
Answer: C
Question 2
Answer: D
Question 3
Answer: D
Question 4
Answer: C
Question 5
Answer: A

Related Certifications
California Department of Insurance Certification
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