CA-Life-Accident-and-Health exam dumps

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

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  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • No. of Questions: 157 Questions and Answers
  • Updated: Oct 11, 2026

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

SectionWeightObjectives
Topic 1: Health Insurance25%- Disability income insurance
- Medical expense and major medical plans
- Long-term care insurance
- Medicare and Medicare supplements
- Health policy provisions and exclusions
Topic 2: General Insurance Concepts10%- Insurance marketplace and regulation overview
- Insurance contract law and elements
- Basic insurance principles and terminology
Topic 3: Life Insurance35%- Beneficiary designations and settlement options
- Group life insurance
- Types of life insurance policies
- Policy provisions, riders, and options
Topic 4: California Insurance Code & Ethics20%- Policy delivery and replacement rules
- Ethical standards and anti-fraud provisions
- Unfair trade practices
- State regulations and licensing rules
Topic 5: Annuities and Retirement Plans10%- Immediate and deferred annuities
- Fixed and variable annuities
- Tax treatment and suitability

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

To help keep premiums more affordable, which provision is included in a disability income policy?

  • A. Automatic increase provision.
  • B. Cost of living rider.
  • C. Elimination period.
  • D. Residual benefits.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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For income tax purposes, premiums for personal life insurance are

  • A. excluded from the adjusted gross income.
  • B. not deductible.
  • C. tax deferred.
  • D. deductible to the extent that they exceed 7.5% of the adjusted gross income.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Nearly every life insurer in the United States belongs to the

  • A. Medical Information Bureau.
  • B. National Association of Insurance Commissioners.
  • C. Centers for Medicare and Medicaid Services.
  • D. Securities Exchange Commission.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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All of the following types of insurance pay benefits in addition to those paid by other insurance policies held by the insured EXCEPT

  • A. critical illness.
  • B. specified disease.
  • C. medical expense.
  • D. hospital indemnity.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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All of the following describe examples of risk avoidance EXCEPT the insured

  • A. never flying in airplanes.
  • B. recognizing that his driving skills are deteriorating and therefore increasing the liability limits of his auto policy.
  • C. never leaving his house after dark.
  • D. sensing the chance of a lawsuit and therefore giving his pet Bengal tiger to a local zoo.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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