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: Oct 28, 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

What happens if an insurer violates the Medical Loss Ratio rule and spends too much money on administrative costs?

A : Insurers that do not meet the Medical Loss Ratio standard will be required to provide rebates to their customers and reduce spending on their administrative costs.

B : Insurers that do not meet the Medical Loss Ratio standard will pay a tax penalty to the Federal government, n

C : Insurers that do not meet the Medical Loss Ratio standard will pay a tax penalty to the Health Benefits Exchange.

D : Insurers that do not meet the Medical Loss Ratio standard will only be required to reduce their spending on administrative costs.

Answer: A

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 policy allows the insured to choose where the assets backing the cash value are invested?

A : Term life.

B : Variable life.

C : Universal life.

D : Endowment life.

Answer: B

Question 5

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

Page: 1 / 32

Total 156 Questions | Updated On: Oct 28, 2025

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