Updated: Sep 05, 2026
No. of Questions: 157 Questions & Answers with Testing Engine
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| Certification Vendor: | California Department of Insurance (CDI) |
|---|---|
| Exam Name: | Life, Accident and Health or Sickness Examination |
| Exam Number: | CA-Life-Accident-and-Health |
| Passing Score: | 60% (90 out of 150 questions) |
| Exam Format: | Computer-based, Multiple-choice |
| Exam Price: | $88 + $33–$43 PSI convenience fee |
| Exam Duration: | 180 minutes |
| Certificate Validity Period: | 2 years (renewable with continuing education) |
| Real Exam Qty: | 150 |
| Available Languages: | Spanish, English |
| Related Certifications: | Accident and Health or Sickness Agent License Life-Only Agent License |
| Recommended Training: | CDI Prelicensing Education Requirements |
| Exam Registration: | CDI Exam Information PSI Exam Registration |
| Sample Questions: | California Department of Insurance CA-Life-Accident-and-Health Sample Questions |
| 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 |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities and Retirement Plans | 10% | - Tax treatment and suitability - Fixed and variable annuities - Immediate and deferred annuities |
| Topic 2: Life Insurance | 35% | - Group life insurance - Types of life insurance policies - Beneficiary designations and settlement options - Policy provisions, riders, and options |
| Topic 3: California Insurance Code & Ethics | 20% | - Unfair trade practices - State regulations and licensing rules - Ethical standards and anti-fraud provisions - Policy delivery and replacement rules |
| Topic 4: Health Insurance | 25% | - Disability income insurance - Medicare and Medicare supplements - Health policy provisions and exclusions - Medical expense and major medical plans - Long-term care insurance |
| Topic 5: General Insurance Concepts | 10% | - Insurance marketplace and regulation overview - Insurance contract law and elements - Basic insurance principles and terminology |
Question 1
People commonly purchase an annuity to protect against the risk of
A. dying before their home mortgage is paid off.
B. becoming uninsurable.
C. dying too soon.
D. outliving their financial resources.
Question 2
Nearly every life insurer in the United States belongs to the
A. Securities Exchange Commission.
B. National Association of Insurance Commissioners.
C. Medical Information Bureau.
D. Centers for Medicare and Medicaid Services.
Question 3
A life insurance application is important for all of the following reasons EXCEPT
A. the beneficiary must sign the application before the insurer will issue the policy.
B. the application becomes a part of the policy, if a copy is attached.
C. the application contains essential information about the applicant.
D. statements made in the application are required to be true to the best of the applicant's knowledge.
Question 4
The group medical plan provision that applies when a claimant has coverage under more than one plan is known as
A. integration.
B. coordination of benefits.
C. coinsurance.
D. maximum benefits.
Question 5
All of the following statements about mortality tables are true EXCEPT
A. the theory of probability is applied to numbers in the tables.
B. actuaries use the tables to predict the number of deaths among a given number of people at a given age.
C. the numbers in the tables are based on past experience.
D. the tables track a group of people from the year they were born until they all die.
Solutions:
| Question 1 Answer: D | Question 2 Answer: C | Question 3 Answer: A | Question 4 Answer: B | Question 5 Answer: D |
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