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  • Total Questions: 157
  • Updated on: Oct 12, 2026
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  • Total Questions: 157
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  • Total Questions: 157
  • Updated on: Oct 12, 2026
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Still on the fence about ActualTestsIT? Good instinct — verify first. The free CA-Life-Accident-and-Health demo lets you examine real California Department of Insurance CA Life, Accident and Health or Sickness Examination questions before any payment, and decide with your own eyes.

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

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

CA-Life-Accident-and-Health Exam FAQ — Everything Before You Buy

The California Department of Insurance CA Life, Accident and Health or Sickness Examination is one of California Department of Insurance's influential certification exams — pass it and you earn the Life, Accident and Health or Sickness Agent License certification (State Insurance Producer License level). Among IT workers it's a popular way to prove professional knowledge in the field. It also connects with related credentials such as Life-Only Agent License, Accident and Health or Sickness Agent License.

Yes — download the free CA-Life-Accident-and-Health demo and judge the question quality with your own eyes before paying. Every purchase then includes 365 days of free updates, and an expired update period can be extended at 50% off.

52 hours pre-licensing education (40 hours product-specific + 12 hours code/ethics) effective Jan 1, 2026; fingerprinting required Because these requirements change over time, double-check the current criteria on the official exam page (official CA-Life-Accident-and-Health exam information) before you book.

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Training is a solid foundation — but practice is the proof. Follow up any course with the CA-Life-Accident-and-Health practice questions from ActualTestsIT to see whether you're truly exam-ready.

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The exam is offered In-person at PSI testing centers or remote online proctored — pick what suits you when you book.

150 questions inside 180 minutes. The hidden skill here is pacing: know your per-question budget, skip and return rather than stall, and rehearse with the ActualTestsIT online test engine — you can set the timer yourself to mimic real exam pressure, on any device, whenever spare time appears.

Delivery is instant — after successful payment, our system automatically emails the product to your mailbox within a minute, with download access right away and no installation limits; contact our 24/7 customer assistance if 2 hours pass with nothing. If you fail: take the corresponding CA-Life-Accident-and-Health exam within 60 days of purchase and submit a scanned enrollment slip plus the official Score Report PDF within 2 days of the exam — the full refund is processed within 7 days. Exclusions: exams taken within 3 days of purchase, name mismatches between candidate and payer, and free or expired products. Or exchange for two equal-value exam products free, keeping your updates.

The official California Department of Insurance CA Life, Accident and Health or Sickness Examination blueprint contains 5 domains, including Life Insurance (35%), Health Insurance (25%), Annuities and Retirement Plans (10%). The weightings tell you where the exam's points live — allocate your spare time to match. The complete outline above has every domain and subtopic.

You'll need 60% (90 out of 150 questions) to pass, and the official fee is $88 + $33–$43 PSI convenience fee per attempt — every retake bills the full amount again. Practicing with the 157 questions from ActualTestsIT until your scores are consistently comfortable is how you pay that fee once.

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

A situation in which there is a possibility of a loss or a gain is a

  • A. particular risk.
  • B. fundamental risk.
  • C. pure risk.
  • D. speculative risk.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

Explanation: Only visible for ActualTestsIT members. You can sign-up / login (it's free).

Health Insurance Counseling and Advocacy Program (HICAP) counselors can do all of the following EXCEPT

  • A. explain Medicare supplement coverages.
  • B. assist in medical record keeping.
  • C. help evaluate policies.
  • D. charge for their services.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

Explanation: Only visible for ActualTestsIT members. You can sign-up / login (it's free).

In long-term care policies, which of the following is an activity of daily living?

  • A. Bathing
  • B. Working
  • C. Driving
  • D. Breathing
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

Explanation: Only visible for ActualTestsIT members. You can sign-up / login (it's free).

All of the following are requirements of a contract EXCEPT

  • A. there must be equal consideration between the parties.
  • B. there must be an offer and acceptance of the contract terms.
  • C. the contract must have a legal purpose.
  • D. the parties to the contract must be legally competent.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

Explanation: Only visible for ActualTestsIT members. You can sign-up / login (it's free).

Which of the following statements about policy dividends is TRUE?

  • A. Dividends can be guaranteed.
  • B. Insureds elect a dividend option at the time of policy purchase.
  • C. Dividends are payable only in nonparticipating policies.
  • D. All dividends are taxable.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

Explanation: Only visible for ActualTestsIT members. You can sign-up / login (it's free).

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