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: Apr 28, 2026

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Question 1

Which of the following statements regarding risk is TRUE?

A : Only pure risks are insurable.

B : Only speculative risks are insurable.

C : Both pure and speculative risks are insurable.

D : Neither pure nor speculative risks are insurable.

Answer: A

Question 2

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 3

According to the California Insurance Code, an illustration used to sell life insurance must include all of the following information EXCEPT

A : the probability that illustrated nonguaranteed scenarios will occur.

B : a label that identifies it as an illustration.

C : insurer-s policy name and form number.

D : name and address of the producer.

Answer: A

Question 4

Medicare Part B pays for

A : hospice care.

B : prescription drugs.

C : physicians' services.

D : the first 60 days of hospitalization.

Answer: C

Question 5

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

Page: 1 / 32

Total 156 Questions | Updated On: Apr 28, 2026

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