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: Jun 15, 2026

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Question 1

The total premium paid by a life policy owner for one policy year is

A : the same regardless of the frequency of payment.

B : less when paid quarterly than if paid semiannually.

C : greater if the premium is paid semiannually rather than annually.

D : based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.

Answer: C

Question 2

In health insurance the coinsurance is

A : a percentage of the cost for covered expenses paid by more than one insurer.

B : a portion of the premium paid by the insured and insurer for each covered service.

C : a payment shared by the insured and provider of covered service minus the deductible.

D : a percentage paid for covered expenses by the insured and insurer after the deductible is satisfied.

Answer: D

Question 3

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 insured forfeits any premiums paid if cancelled.

B : The policy has a 30-day return for cancellation feature.

C : The insurer has the right to cancel if less than 30 days.

Answer: B

Question 4

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 5

A life insurance application is important for all of the following reasons EXCEPT

A : statements made in the application are required to be true to the best of the applicant’s knowledge.

B : the beneficiary must sign the application before the insurer will issue the policy.

C : the application becomes a part of the policy, if a copy is attached.

D : the application contains essential information about the applicant.

Answer: B

Page: 1 / 32

Total 156 Questions | Updated On: Jun 15, 2026

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