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

  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Oct 15, 2026
  • Q & A: 157 Questions and Answers

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About California Department of Insurance CA-Life-Accident-and-Health Exam Questions

Your calendar is full and the CA-Life-Accident-and-Health exam date is not moving. That is exactly the situation BraindumpsPrep is built for: 157+ Q&As covering the California Department of Insurance CA Life, Accident and Health or Sickness Examination objectives, current for 2026, so the hours you do have are never wasted on dead content.

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

Certification Vendor:California Department of Insurance (CDI)
Exam Name:Life, Accident and Health or Sickness Examination
Exam Number:CA-Life-Accident-and-Health
Exam Price:$88 + $33–$43 PSI convenience fee
Real Exam Qty:150
Certificate Validity Period:2 years (renewable with continuing education)
Exam Format:Multiple-choice, Computer-based
Related Certifications:Life-Only Agent License
Accident and Health or Sickness Agent License
Available Languages:English, Spanish
Passing Score:60% (90 out of 150 questions)
Exam Duration:180 minutes
Recommended Training:CDI Prelicensing Education Requirements
Exam Registration:PSI Exam Registration
CDI Exam Information
Sample Questions:Free Download real CA-Life-Accident-and-Health actual tests
Exam Way:In-person at PSI testing centers or remote online proctored
Pre Condition:52 hours pre-licensing education (40 hours product-specific + 12 hours code/ethics) effective Jan 1, 2026; fingerprinting required
Official Syllabus URL:https://www.insurance.ca.gov/0200-industry/0030-seek-pre-lic/prelicensing-educational-objectives.cfm

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

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

The California Department of Insurance CA Life, Accident and Health or Sickness Examination Exam Questions Everyone Asks

52 hours pre-licensing education (40 hours product-specific + 12 hours code/ethics) effective Jan 1, 2026; fingerprinting required These conditions come from California Department of Insurance and can be revised, so confirm the current requirements on the official exam page: https://www.insurance.ca.gov/0200-industry/0030-seek-pre-lic/prelicensing-educational-objectives.cfm — better a two-minute check than a wasted California Department of Insurance CA Life, Accident and Health or Sickness Examination registration.

The California Department of Insurance CA Life, Accident and Health or Sickness Examination exam gives you 180 minutes to work through 150 questions. Split that down and each question earns only a narrow slice of the clock — lingering too long on one item borrows time from three others. Build the habit now: run timed, full-length sessions in the BraindumpsPrep test engine until finishing early feels normal on the real CA-Life-Accident-and-Health exam.

California Department of Insurance recommends these official training resources:

Once the coursework is done, pressure-test it with the 157 practice questions for the CA-Life-Accident-and-Health exam from BraindumpsPrep — theory only counts when it survives exam conditions.

The CA-Life-Accident-and-Health exam is California Department of Insurance's official assessment leading to the Life, Accident and Health or Sickness Agent License certification, which sits at the State Insurance Producer License level. It validates job-ready, vendor-recognized skills — the kind employers screen for. It also belongs to a wider certification family that includes Life-Only Agent License, Accident and Health or Sickness Agent License, so it can anchor a longer credential roadmap.

Delivery takes about a minute: after payment, BraindumpsPrep emails your CA-Life-Accident-and-Health download instantly — if nothing arrives within 2 hours, check spam and contact support for an immediate resend. Install it on as many computers as you like. On failure: take the corresponding CA-Life-Accident-and-Health exam within 60 days of purchase, and a fail qualifies you for a full refund. File within 2 days after the exam with a scanned enrollment slip and the official Score Report PDF; claims close within 7 days. Excluded are attempts within 3 days of purchase, exams never actually taken, free materials, and expired orders — and the candidate name must match the payer name. Prefer to keep studying? On request we can exchange your product for two free exam products of equal value, and your original purchase keeps its update service.

The California Department of Insurance CA Life, Accident and Health or Sickness Examination syllabus divides into 5 domains, led by California Insurance Code & Ethics (20%), General Insurance Concepts (10%), Health Insurance (25%). Heavier domains deserve heavier study time — the complete outline with every domain is listed above on this page.

One thing to note while booking: the exam is delivered via In-person at PSI testing centers or remote online proctored.

Plan on $88 + $33–$43 PSI convenience fee per attempt, with 60% (90 out of 150 questions) required to pass the California Department of Insurance CA Life, Accident and Health or Sickness Examination exam. Since every retake bills the full fee again, the cheapest strategy is arriving overprepared. Test yourself with BraindumpsPrep practice questions first — when your timed scores clear 60% (90 out of 150 questions) consistently, booking the CA-Life-Accident-and-Health exam becomes a formality.

Yes — a free demo is available for the California Department of Insurance CA Life, Accident and Health or Sickness Examination product, so you can review the question style and verified answers yourself first. After purchase, 365 days of free updates are included; once the year ends, the update service renews at a 50% discount from your member zone.

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

Question #1

In medical expense insurance, what serves the same purpose as the elimination period in disability income insurance?

  • A. Coinsurance.
  • B. Deductible.
  • C. Maximum benefit.
  • D. Co-payment.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #2

Insurance solicitation includes all of the following activities EXCEPT

  • A. coverage and rate quotations.
  • B. bulk mailings introducing an agency.
  • C. publishing a newspaper in which one of the advertisers is an insurance agent.
  • D. recommending other insurance products.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #3

California long-term care policies may be identified as any of the following EXCEPT

  • A. Nursing Facility and Residential Care Facility only.
  • B. Comprehensive Long-Term Care.
  • C. Home Care only.
  • D. Acute Hospital Care only.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #4

All of the following statements are true regarding Health Insurance Counseling Advocacy Program (HICAP) counselors EXCEPT HICAP counselors

  • A. must complete an intensive training program.
  • B. provide information about the Medicare program.
  • C. are qualified to give legal advice.
  • D. are volunteers.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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

Question #5

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 premiums will not be invested during the return period.
    Copyright 2024. PSI Sen ices LLC. All rights reserved.
  • C. The policy has a 30-day return for cancellation feature.
  • D. The insured forfeits any premiums paid if cancelled.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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