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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Life Insurance | - Policy Provisions and Riders
|
| Topic 2: Accident and Health Insurance | - Policy Provisions
|
| Topic 3: California Insurance Laws and Regulations | - State Regulatory Framework
|
| Topic 4: Ethics and Professional Conduct | - Agent Responsibilities
|
| Topic 5: Basic Insurance Concepts and Principles | - Insurance Fundamentals
|
California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
The California Insurance Code requirements regarding the return of life or annuity contracts issued to seniors
- A. defines seniors as someone 55 years of age or older on the date of purchase of the policy.
- B. applies to group policies.
- C. gives a senior at least 30 days to return specified life and/or annuity contracts for a full refund.
- D. mandates a 30 day free look for all applicants.
Correct Answer: C 🗳️
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Which of the following statements regarding risk is TRUE?
- A. Only speculative risks are insurable.
- B. Only pure risks are insurable.
- C. Neither pure nor speculative risks are insurable.
- D. Both pure and speculative risks are insurable.
Correct Answer: B 🗳️
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What is the first step in submitting Medicare claims?
- A. The patient submits expenses to Medicare.
- B. The medical provider submits expenses to the patient.
- C. Medicare submits expenses to the Medicare supplement provider.
- D. The medical provider submits expenses to Medicare.
Correct Answer: A 🗳️
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Which plan covers the medical expenses that are NOT covered by Medicare?
- A. MediCal.
- B. Long-term care.
- C. Disability income.
- D. Medicare supplement.
Correct Answer: D 🗳️
Explanation: Only visible for TrainingDumps members. You can sign-up / login (it's free).
Insurer policy expenses include all of the following EXCEPT
- A. home office operations.
- B. agent commissions.
- C. premiums.
- D. taxes.
Correct Answer: C 🗳️
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