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

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: Jul 25, 2026

Q & A: 157 Questions and Answers

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

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

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

1. Under the Family and Medical Leave Act (FMLA), how many weeks of unpaid leave is allowed per year for the birth of a child?

A) 8
B) 2
C) 4
D) 12


2. According to the California Insurance Code, an insurance policy must specify all of the following EXCEPT the

A) property or life being insured.
B) risks insured against.
C) financial rating of the insurer.
D) policy period.


3. What is the cost of service from the Health Insurance Counseling Advocacy Program (HICAP)?

A) No charge.
B) $10 per appointment.
C) $50 per appointment.
D) $25 per appointment.


4. The term for an insurer which has met the conditions required to transact business in the State of California is

A) eligible.
B) authorized.
C) entitled.
D) admitted.


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

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


Solutions:

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

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