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Updated: Jul 31, 2026
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| Certification Vendor: | California Department of Insurance (CDI) |
| Exam Name: | California Life, Accident and Health or Sickness Insurance Examination |
| Exam Number: | CA-Life-Accident-and-Health |
| Real Exam Qty: | Approximately 150 scored questions (varies by exam version) |
| Exam Price: | Approximately USD 50–70 (plus licensing application fees, varies by registration channel) |
| Certificate Validity Period: | License valid for 2 years (subject to continuing education requirements) |
| Exam Duration: | Approximately 120–150 minutes |
| Exam Format: | Multiple-choice, Computer-based testing |
| Available Languages: | English, Spanish (availability depends on testing center/version) |
| Related Certifications: | Life Only License Accident and Health Only License Property and Casualty License (related insurance licensing pathway) |
| Passing Score: | Typically ~60% (scaled score; subject to PSI scoring rules) |
| Recommended Training: | Kaplan Insurance Licensing Exam Prep ExamFX Insurance Pre-Licensing Training |
| Exam Registration: | PSI Exams Candidate Portal California Department of Insurance Licensing Information |
| Sample Questions: | California Department of Insurance CA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based exam delivered via PSI testing centers and/or remote proctoring (availability may vary) |
| Pre Condition: | No formal prerequisite exam required; applicants must meet California Department of Insurance licensing requirements and be approved to sit for the exam via PSI. |
| Official Syllabus URL: | https://www.insurance.ca.gov |
| Section | Objectives |
|---|---|
| Topic 1: Life Insurance Concepts | - Types of life insurance policies (term, whole life, universal life) - Policy provisions and riders - Beneficiaries and settlement options |
| Topic 2: State Insurance Regulations (California) | - Licensing requirements and producer conduct - Unfair trade practices and ethics - California Insurance Code and regulations |
| Topic 3: Insurance Basics and Principles | - Risk management concepts - Insurance terminology and principles |
| Topic 4: Annuities and Retirement Concepts | - Retirement income options - Fixed and variable annuities |
| Topic 5: Accident and Health Insurance | - Disability income insurance - Long-term care insurance basics - Medical expense coverage |
1. The guaranteed insurability option provides the ability to
A) purchase additional insurance regardless of insurability.
B) waive premium payments in the event of disability.
C) double the amount of the death benefit in the event of accidental death.
D) access a portion of the death benefit in the event of serious illness.
2. Every individual annuity policy that is sold to a senior in the State of California MUST include which of the following free look information?
A) The insurer has the right to cancel if less than 30 days.
B) The policy has a 30-day return for cancellation feature.
C) The insured forfeits any premiums paid if cancelled.
D) The premiums will not be invested during the return period.
Copyright 2024. PSI Sen ices LLC. All rights reserved.
3. Indexed annuities offer all of the following features EXCEPT
A) a minimum guarantee of interest rate.
B) an opportunity to participate in gains associated with the stock market.
C) an annually increasing maximum rate of interest.
D) protection during stock market declines.
4. Regarding the Health Benefit Exchanges, as created by PPACA, all of the following statements are true EXCEPT
A) the name of California's Exchange is Covered California.
B) an individual may only receive a premium tax credit for a plan if purchased through the Exchange.
C) an individual enrolling in a bronze level plan is not eligible for reduced cost-sharing.
D) an individual whose household income is 400% of the federal poverty level may receive a premium tax credit.
5. Specified disease insurance covers all of the following EXCEPT
A) costs covered by medical expense insurance.
B) incidental costs.
C) noncovered medical expenses.
D) out-of-pocket payments.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: B | Question # 3 Answer: C | Question # 4 Answer: D | Question # 5 Answer: A |
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