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

CA-Life-Accident-and-Health Exam Questions
  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Sep 11, 2026
  • Q & A: 157 Questions and Answers
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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

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

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

Question #1

An insured is receiving benefits from a group health plan for a total disability. Which of the following happens if the existing plan is terminated?

  • A. The insured must apply for Social Security benefits.
  • B. The insured must apply for individual health coverage.
  • C. The insured receives benefits from the terminated plan.
  • D. The insured ceases to receive benefits.
Answer: C

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Question #2

What is the difference between deferred annuities and immediate annuities?

  • A. Deferred annuities cover more lives.
  • B. Deferred annuities have longer accumulation periods.
  • C. Deferred annuities have longer liquidation periods.
  • D. Deferred annuities have no surrender charges.
Answer: B

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Question #3

Medicare Part B pays for

  • A. the first 60 days of hospitalization.
  • B. hospice care.
  • C. prescription drugs.
  • D. physicians' services.
Answer: D

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Question #4

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

  • A. Medicare supplement.
  • B. Disability income.
  • C. MediCal.
  • D. Long-term care.
Answer: A

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Question #5

The term "loss" can be defined as all of the following EXCEPT

  • A. the amount suffered by a person regardless of insurance.
  • B. a happening that causes the company to pay.
  • C. the amount an insurer is required to pay because of an event that it insured.
  • D. the probability that an event will occur.
Answer: D

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