PDF Version DemoCalifornia Department of Insurance CA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | California Department of Insurance (CDI) |
| Exam Name: | CA Life, Accident and Health or Sickness Examination |
| Exam Number: | CA-Life-Accident-and-Health |
| Exam Duration: | 180-195 |
| Exam Price: | USD 88 |
| Certificate Validity Period: | 2 years |
| Passing Score: | 60% |
| Related Certifications: | California Life Agent License California Accident and Health or Sickness Agent License |
| Available Languages: | English, Spanish |
| Exam Format: | Multiple Choice |
| Real Exam Qty: | 150-160 |
| Sample Questions: | California Department of Insurance CA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based testing at PSI test centers or approved remote online proctored examination. |
| Pre Condition: | Completion of a 40-hour Life and Accident & Health prelicensing course plus a 12-hour California Insurance Code and Ethics course (52 hours total) is generally required before license issuance. |
| Official Syllabus URL: | https://www.insurance.ca.gov/0200-industry/0010-producer-online-services/0200-exam-info/examtimesandquestion.cfm |
California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Accident and Health Insurance | - Health Insurance Policies
|
| Basic Insurance Concepts and Principles | - Insurance Fundamentals
|
| Ethics and Professional Conduct | - Agent Responsibilities
|
| Life Insurance | - Policy Provisions and Riders
|
| California Insurance Laws and Regulations | - State Regulatory Framework
|
California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
1. As established by PPACA, an adult child may be covered by a parent's health insurance plan until what age?
A) 23 years old
B) 25 years old
C) 26 years old
D) 19 years old
2. Why is having a large number of similar exposure units important to an insurer?
A) The greater the number insured, the more premium is collected to help cover losses.
B) The greater the number insured, the more accurately the insurer can predict losses and set appropriate premiums.
C) The greater the number insured, the more premium is collected to offset fixed costs.
D) The insured increases its market share with every insured.
3. A health insurance issuer offering coverage in the individual market must provide premium rebates if its medical loss ratio (MLR) is less than what percentage?
A) 80%
B) 70%
C) 75%
D) 85%
4. What rights do individuals have if they disagree with a decision on the amount Medicare will pay?
A) They can terminate making premium payments until the claim is resolved.
B) They can change Medicare carriers.
C) They can request a second opinion by the state medical examiner.
D) They can ask the Medicare carrier to review the decision.
5. According to the California Insurance Code, an "insurance broker" is
A) compensated for transacting insurance on behalf of another person with an insurer.
B) hired by an insured to give advice about insurance transactions.
C) employed to assist an insurance agent in transacting insurance.
D) authorized by an insurer to transact insurance.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: B | Question # 3 Answer: A | Question # 4 Answer: D | Question # 5 Answer: A |
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