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

Become California Department of Insurance Certified with updated CA-Life-Accident-and-Health exam questions and correct answers

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Total 156 Questions | Updated On: Dec 16, 2025

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Question 1

All of the following are standard exclusions in individual disability income policies EXCEPT

A : self-inflicted injuries.

B : preexisting conditions.

C : active military duty.

D : accidental injuries.

Answer: D

Question 2

The initial enrollment period for Medicare Part B ends how many months after the 65th birthday month?

A : One month.

B : Three months.

C : Five months.

D : Seven months.

Answer: D

Question 3

The theory of probability is applied to life insurance through the use of

A : morbidity tables.

B : mortality tables.

C : the needs approach.

D : the human life value approach.

Answer: B

Question 4

Which group provides information about health-related issues to the elderly in California?

A : Medicare supplement insurers.

B : Long-term care insurance providers.

C : The National Health Care Anti-Fraud Association.

D : The Health Insurance Counseling and Advocacy Program (HICAP).

Answer: D

Question 5

A Hospital Confinement Indemnity insurance policy pays

A : the amount of the actual hospital expenses.

B : 100% of the covered medical expenses less the deductible and coinsurance percentage.

C : an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.

D : the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital.

Answer: D

Page: 1 / 32

Total 156 Questions | Updated On: Dec 16, 2025

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