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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance | 35% | - Beneficiary designations and settlement options - Policy provisions, riders, and options - Types of life insurance policies - Group life insurance |
| Topic 2: General Insurance Concepts | 10% | - Insurance contract law and elements - Insurance marketplace and regulation overview - Basic insurance principles and terminology |
| Topic 3: Annuities and Retirement Plans | 10% | - Tax treatment and suitability - Immediate and deferred annuities - Fixed and variable annuities |
| Topic 4: Health Insurance | 25% | - 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 & Ethics | 20% | - 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
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.
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.
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.
Correct Answer: D 🗳️
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Who submits Medicare Part A claims?
- A. Physicians
- B. Patients
- C. Hospitals
- D. Pharmacies
Correct Answer: C 🗳️
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