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Last Updated: Nov 08, 2026

No. of Questions: 157 Questions & Answers with Testing Engine

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California Department of Insurance CA-Life-Accident-and-Health Practice Q&A's

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

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

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

Question #1

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

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

Correct Answer: D  🗳️

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Question #2

Policies covered under the California Life and Health Insurance Guarantee Association include all of the following EXCEPT

  • A. disability income.
  • B. individual health.
  • C. deferred annuities.
  • D. self-funded group life.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #3

What is the amount of the penalty tax imposed on premature payments under annuity contracts?

  • A. 50%
  • B. 10%
  • C. 20%
  • D. 25%
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #4

A contract of indemnity is one in which

  • A. one party is obligated to assume the legal liability of another party.
  • B. one party is restored to the same financial position the party was in before the loss occurred.
  • C. one party must adhere to the agreements written by the other party.
  • D. both parties are expected to act in complete honesty.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #5

All of the following statements apply to the child coverage in a family policy EXCEPT

  • A. coverage applies only to children born before the policy is issued.
  • B. child coverage is convertible to whole life coverage.
  • C. child coverage is term insurance.
  • D. children are covered until reaching a specified age.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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