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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| 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 - Policy delivery and replacement rules - State regulations and licensing rules - Ethical standards and anti-fraud provisions |
| Topic 4: Health Insurance | 25% | - Long-term care insurance - Health policy provisions and exclusions - Medicare and Medicare supplements - Disability income insurance - Medical expense and major medical plans |
| Topic 5: General Insurance Concepts | 10% | - Insurance contract law and elements - Insurance marketplace and regulation overview - Basic insurance principles and terminology |
California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
Question 1
The use of non-medical life insurance accomplishes all of the following EXCEPT
A. insurer expenses are reduced by the cost of paying for medical examinations.
B. there is less demand on the medical profession.
C. insureds can avoid answering medical questions on the application.
D. the processing of life insurance applications is expedited.
Question 2
A married couple who wants life insurance benefits to pay estate taxes when the second spouse dies should purchase what policy?
A. Joint life policy.
B. Survivorship policy.
C. Family policy.
D. Universal life policy.
Question 3
All of the following are features of a Preferred Provider Organization (PPO) EXCEPT
A. dependents do not need referrals to see a specialist.
B. primary care physicians act as gatekeepers.
C. providers are paid on a fee-for-service basis.
D. employees have a choice of practitioners.
Question 4
A life insurance policy written after 1988 that fails to meet the seven-pay test is known as
A. a modified life policy.
B. a single premium contract.
C. an endowment policy.
D. a modified endowment contract.
Question 5
The California Insurance Code requirements regarding the return of life or annuity contracts issued to seniors
A. applies to group policies.
B. gives a senior at least 30 days to return specified life and/or annuity contracts for a full refund.
C. mandates a 30 day free look for all applicants.
D. defines seniors as someone 55 years of age or older on the date of purchase of the policy.
Solutions:
| Question 1 Answer: C | Question 2 Answer: B | Question 3 Answer: A | Question 4 Answer: D | Question 5 Answer: B |






