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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Life Insurance35%- Beneficiary designations and settlement options
- Policy provisions, riders, and options
- Types of life insurance policies
- Group life insurance
Topic 2: General Insurance Concepts10%- Insurance contract law and elements
- Insurance marketplace and regulation overview
- Basic insurance principles and terminology
Topic 3: Annuities and Retirement Plans10%- Tax treatment and suitability
- Immediate and deferred annuities
- Fixed and variable annuities
Topic 4: Health Insurance25%- Health policy provisions and exclusions
- Long-term care insurance
- Disability income insurance
- Medical expense and major medical plans
- Medicare and Medicare supplements
Topic 5: California Insurance Code & Ethics20%- Unfair trade practices
- State regulations and licensing rules
- Policy delivery and replacement rules
- Ethical standards and anti-fraud provisions

California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

Which life insurance classification carries the highest premium?

  • A. Preferred
  • B. Substandard
  • C. Standard
  • D. Preferred Plus
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

  • A. The insurer.
  • B. The licensee.
  • C. The Commissioner.
  • D. The employer.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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The most common type of specified disease insurance policy is

  • A. cancer.
  • B. diabetes.
  • C. cataract.
  • D. heart disease.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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The use of non-medical life insurance accomplishes all of the following EXCEPT

  • A. the processing of life insurance applications is expedited.
  • B. insurer expenses are reduced by the cost of paying for medical examinations.
  • C. there is less demand on the medical profession.
  • D. insureds can avoid answering medical questions on the application.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Who submits Medicare Part A claims?

  • A. Physicians
  • B. Patients
  • C. Hospitals
  • D. Pharmacies
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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