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

Exam Code: CA-Life-Accident-and-Health

Exam Name: CA Life, Accident and Health or Sickness Examination

Updated: Sep 20, 2026

Q & A: 157 Questions and Answers

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About California Department of Insurance CA-Life-Accident-and-Health Exam

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

Certification Vendor:California Department of Insurance (CDI)
Exam Name:California Life, Accident and Health or Sickness Insurance Examination
Exam Number:CA-Life-Accident-and-Health
Passing Score:Typically ~60% (scaled score; subject to PSI scoring rules)
Exam Price:Approximately USD 50–70 (plus licensing application fees, varies by registration channel)
Certificate Validity Period:License valid for 2 years (subject to continuing education requirements)
Exam Format:Computer-based testing, Multiple-choice
Available Languages:Spanish (availability depends on testing center/version), English
Exam Duration:Approximately 120–150 minutes
Related Certifications:Life Only License
Accident and Health Only License
Property and Casualty License (related insurance licensing pathway)
Real Exam Qty:Approximately 150 scored questions (varies by exam version)
Recommended Training:ExamFX Insurance Pre-Licensing Training
Kaplan Insurance Licensing Exam Prep
Exam Registration:California Department of Insurance Licensing Information
PSI Exams Candidate Portal
Sample Questions:Free Download CA-Life-Accident-and-Health prep4sure dumps
Exam Way:Computer-based exam delivered via PSI testing centers and/or remote proctoring (availability may vary)
Pre Condition:No formal prerequisite exam required; applicants must meet California Department of Insurance licensing requirements and be approved to sit for the exam via PSI.
Official Syllabus URL:https://www.insurance.ca.gov

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

SectionObjectives
Annuities and Retirement Concepts- Retirement income options
- Fixed and variable annuities
Life Insurance Concepts- Policy provisions and riders
- Types of life insurance policies (term, whole life, universal life)
- Beneficiaries and settlement options
Accident and Health Insurance- Disability income insurance
- Long-term care insurance basics
- Medical expense coverage
State Insurance Regulations (California)- Unfair trade practices and ethics
- Licensing requirements and producer conduct
- California Insurance Code and regulations
Insurance Basics and Principles- Risk management concepts
- Insurance terminology and principles

Everything Candidates Ask About California Department of Insurance CA Life, Accident and Health or Sickness Examination

California Department of Insurance CA Life, Accident and Health or Sickness Examination is an official California Department of Insurance (CDI) certification exam, registered under the code CA-Life-Accident-and-Health. Passing it awards the Life, Accident and Health or Sickness Insurance License certification, a credential at the Associate level. It also connects to Life Only License, Accident and Health Only License, Property and Casualty License (related insurance licensing pathway). Successfully passing matters to every candidate because the credential keeps working for your career long after exam day.

You will answer Approximately 150 scored questions (varies by exam version) questions within Approximately 120–150 minutes on the California Department of Insurance CA Life, Accident and Health or Sickness Examination exam. That combination rewards candidates who practiced under realistic timing, so make timed sessions in the TestkingPDF engine a daily habit; one to two hours a day is enough when every minute rehearses the real thing.

California Department of Insurance CA Life, Accident and Health or Sickness Examination requires Typically ~60% (scaled score; subject to PSI scoring rules) to pass, and official registration costs Approximately USD 50–70 (plus licensing application fees, varies by registration channel). Since every retake charges Approximately USD 50–70 (plus licensing application fees, varies by registration channel) again, diligent daily practice is the cheapest strategy available. Let your TestkingPDF practice scores confirm readiness across several consecutive sessions before you book.

California Department of Insurance (CDI) recommends the following training for California Department of Insurance CA Life, Accident and Health or Sickness Examination candidates.

Training broadens your technology knowledge; the 157 practice questions in the TestkingPDF CA-Life-Accident-and-Health package sharpen it into exam-day scoring ability.

Sign-up for California Department of Insurance CA Life, Accident and Health or Sickness Examination runs through the official channels below.

One logistics note: the exam is delivered Computer-based exam delivered via PSI testing centers and/or remote proctoring (availability may vary).

No formal prerequisite exam required; applicants must meet California Department of Insurance licensing requirements and be approved to sit for the exam via PSI.

Vendor requirements do change, so verify the current conditions before registering on the official exam page.

The California Department of Insurance CA Life, Accident and Health or Sickness Examination blueprint covers 5 domains, with the largest being Insurance Basics and Principles, Annuities and Retirement Concepts, and Life Insurance Concepts. The full topic list is above on this page; it tells you exactly where your daily hour or two earns the most marks.

Yes, download the free demo of the California Department of Insurance CA Life, Accident and Health or Sickness Examination questions before deciding, and read former customers' comments for an independent verdict. After purchase, new versions download free for one year, and when your product expires you can extend the update service at a 50% discount. Returning customers also enjoy bountiful discounts on future exams.

Your purchase carries a 100% money-back guarantee with defined conditions. Take the California Department of Insurance CA Life, Accident and Health or Sickness Examination exam within 60 days of purchase; if you fail, you may claim a full refund, provided the exam matches your product. Attempts within 3 days of purchase are ineligible, as are downloaded-but-unused products, free materials, and expired orders; the candidate name must match the payer name. Submit a scanned enrollment slip and the official Score Report PDF within 2 days of the exam, and claims are processed within 7 days. Alternatively, exchange for two other exam products of equal value, free, with your original purchase keeping its update service.

Delivery is instant: download upon payment, with an email copy arriving within one minute. If nothing arrives within 2 hours, check spam and contact our 24/7 agents, who solve problems with infinite patience. Installation is unlimited across your computers.

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

Question #1

Unintentional concealment entitles the injured party to which course of action, if any?

  • A. None, due to the fact that the concealment was unintentional.
  • B. Possible imprisonment to the party who concealed the information.
  • C. Rescission of the contract.
  • D. $250 fine to be paid to the injured party.
Reveal Solution  Discussion  0

Correct Answer: C  🗳️

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Question #2

Which type of insurance policy provides a death benefit that matches the projected outstanding debt on an individual's home?

  • A. Mortgage redemption.
  • B. Joint life.
  • C. Level term.
  • D. Family protection.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #3

According to the California Insurance Code, an illustration used to sell life insurance must include all of the following information EXCEPT

  • A. the probability that illustrated nonguaranteed scenarios will occur.
  • B. insurer's policy name and form number.
  • C. a label that identifies it as an illustration.
  • D. name and address of the producer.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #4

In financial planning, the human life value concept is based on an individual's

  • A. education.
  • B. health.
  • C. age.
  • D. income
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #5

Indexed annuities offer all of the following features EXCEPT

  • A. an annually increasing maximum rate of interest.
  • B. an opportunity to participate in gains associated with the stock market.
  • C. protection during stock market declines.
  • D. a minimum guarantee of interest rate.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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