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

CA-Life-Accident-and-Health real exams

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

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

Updated: Nov 02, 2026

Q & A: 157 Questions and Answers

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

SectionObjectives
Topic 1: Life Insurance- Policy Provisions and Riders
  • 1. Beneficiary Designations
  • 2. Settlement Options
  • 3. Policy Loans
  • 4. Nonforfeiture Options
- Life Insurance Policies
  • 1. Universal Life Insurance
  • 2. Whole Life Insurance
  • 3. Variable Life Insurance
  • 4. Term Life Insurance
Topic 2: Accident and Health Insurance- Policy Provisions
  • 1. Eligibility and Renewability
  • 2. Managed Care Plans
  • 3. Coordination of Benefits
  • 4. Claims Procedures
- Health Insurance Policies
  • 1. Disability Income Insurance
  • 2. Medical Expense Plans
  • 3. Long-Term Care Insurance
  • 4. Medicare and Medicaid
Topic 3: California Insurance Laws and Regulations- State Regulatory Framework
  • 1. Producer Responsibilities
  • 2. Licensing Requirements
  • 3. Consumer Protection Regulations
  • 4. California Insurance Code
Topic 4: Ethics and Professional Conduct- Agent Responsibilities
  • 1. Unfair Trade Practices
  • 2. Replacement Regulations
  • 3. Ethical Sales Practices
  • 4. Privacy and Confidentiality
Topic 5: Basic Insurance Concepts and Principles- Insurance Fundamentals
  • 1. Risk Management
  • 2. Utmost Good Faith
  • 3. Indemnity
  • 4. Insurable Interest

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

Question #1

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.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #2

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.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #3

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.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #4

Which plan covers the medical expenses that are NOT covered by Medicare?

  • A. MediCal.
  • B. Long-term care.
  • C. Disability income.
  • D. Medicare supplement.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #5

Insurer policy expenses include all of the following EXCEPT

  • A. home office operations.
  • B. agent commissions.
  • C. premiums.
  • D. taxes.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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