California Department of Insurance CA-Life-Accident-and-Health Q&A - in .pdf

  • CA-Life-Accident-and-Health pdf
  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Sep 12, 2026
  • Q & A: 157 Questions and Answers
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  • Exam Name: CA Life, Accident and Health or Sickness Examination
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  • Q & A: 157 Questions and Answers
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  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Sep 12, 2026
  • Q & A: 157 Questions and Answers
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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

SectionObjectives
Ethics and Professional Conduct- Agent Responsibilities
  • 1. Unfair Trade Practices
  • 2. Ethical Sales Practices
  • 3. Replacement Regulations
  • 4. Privacy and Confidentiality
Basic Insurance Concepts and Principles- Insurance Fundamentals
  • 1. Insurable Interest
  • 2. Risk Management
  • 3. Indemnity
  • 4. Utmost Good Faith
California Insurance Laws and Regulations- State Regulatory Framework
  • 1. Licensing Requirements
  • 2. Consumer Protection Regulations
  • 3. California Insurance Code
  • 4. Producer Responsibilities
Life Insurance- Life Insurance Policies
  • 1. Term Life Insurance
  • 2. Universal Life Insurance
  • 3. Whole Life Insurance
  • 4. Variable Life Insurance
- Policy Provisions and Riders
  • 1. Settlement Options
  • 2. Nonforfeiture Options
  • 3. Beneficiary Designations
  • 4. Policy Loans
Accident and Health Insurance- Health Insurance Policies
  • 1. Medicare and Medicaid
  • 2. Long-Term Care Insurance
  • 3. Disability Income Insurance
  • 4. Medical Expense Plans
- Policy Provisions
  • 1. Claims Procedures
  • 2. Coordination of Benefits
  • 3. Eligibility and Renewability
  • 4. Managed Care Plans

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

Question #1

In the absence of a coordination of benefits clause, all of the following circumstances might result in recovery of more than 100% of actual health care expenses EXCEPT

  • A. a worker's group medical plan includes a carryover deductible provision.
  • B. spouses are both employed and eligible for group medical benefits.
  • C. a person working for two employers has insurance through both.
  • D. an executive has additional coverage through an association policy.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #2

Which health insurance contract provision addresses the problem of over insurance?

  • A. Incontestability.
  • B. Coordination of benefits.
  • C. Assignment of benefits.
  • D. Reinstatement.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #3

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 receives benefits from the terminated plan.
  • B. The insured must apply for individual health coverage.
  • C. The insured ceases to receive benefits.
  • D. The insured must apply for Social Security benefits.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #4

A life insurance policy written after 1988 that fails to meet the seven-pay test is known as

  • A. an endowment policy.
  • B. a modified life policy.
  • C. a modified endowment contract.
  • D. a single premium contract.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #5

According to California Insurance Code, an insurance policy must be

  • A. economically feasible for the insured.
  • B. negotiated between the agent and the insured.
  • C. in writing.
  • D. approved by the Insurance Commissioner.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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