California Department of Insurance CA-Life-Accident-and-Health dumps - in .pdf

CA-Life-Accident-and-Health pdf
  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Sep 17, 2026
  • Q & A: 157 Questions and Answers
  • PDF Price: $59.99
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  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Sep 17, 2026
  • Q & A: 157 Questions and Answers
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  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Sep 17, 2026
  • Q & A: 157 Questions and Answers
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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

SectionObjectives
Ethics and Professional Conduct- Agent Responsibilities
  • 1. Privacy and Confidentiality
  • 2. Unfair Trade Practices
  • 3. Replacement Regulations
  • 4. Ethical Sales Practices
Life Insurance- Policy Provisions and Riders
  • 1. Settlement Options
  • 2. Nonforfeiture Options
  • 3. Beneficiary Designations
  • 4. Policy Loans
- Life Insurance Policies
  • 1. Variable Life Insurance
  • 2. Universal Life Insurance
  • 3. Term Life Insurance
  • 4. Whole Life Insurance
Accident and Health Insurance- Health Insurance Policies
  • 1. Disability Income Insurance
  • 2. Medical Expense Plans
  • 3. Long-Term Care Insurance
  • 4. Medicare and Medicaid
- Policy Provisions
  • 1. Coordination of Benefits
  • 2. Eligibility and Renewability
  • 3. Claims Procedures
  • 4. Managed Care Plans
California Insurance Laws and Regulations- State Regulatory Framework
  • 1. California Insurance Code
  • 2. Producer Responsibilities
  • 3. Consumer Protection Regulations
  • 4. Licensing Requirements
Basic Insurance Concepts and Principles- Insurance Fundamentals
  • 1. Utmost Good Faith
  • 2. Risk Management
  • 3. Insurable Interest
  • 4. Indemnity

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

Question #1

Specified disease insurance covers all of the following EXCEPT

  • A. costs covered by medical expense insurance.
  • B. out-of-pocket payments.
  • C. incidental costs.
  • D. noncovered medical expenses.
Reveal Solution  Discussion  0

Correct Answer: A  🗳️

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Question #2

A worker who is credited with 6 quarters of coverage during the last 13-quarter period becomes disabled.
What status does the worker have under the Social Security Disability Program?

  • A. Uninsured.
  • B. Partially insured.
  • C. Disability insured.
  • D. Currently insured.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #3

According to the California Insurance Code, an "insurance broker" is

  • A. authorized by an insurer to transact insurance.
  • B. employed to assist an insurance agent in transacting insurance.
  • C. hired by an insured to give advice about insurance transactions.
  • D. compensated for transacting insurance on behalf of another person with an insurer.
Reveal Solution  Discussion  0

Correct Answer: D  🗳️

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Question #4

Individual life insurance policies sold to seniors in the State of California must include aprominently placed statement that divulges all of the following information EXCEPT

  • A. the policy should be returned to the agent or insurer if not wanted.
  • B. proof of surrender must be notarized at the agent's principal office.
  • C. a charge might apply if declined after the time allowed for surrender.
  • D. the policy can be returned during a free look period for a full refund.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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Question #5

Which of the following coverages is NOT one of the three traditional benefits of a group basic medical expense plan?

  • A. Physician's visit expense.
  • B. Private nursing expense.
  • C. Surgical expense.
  • D. Hospital expense.
Reveal Solution  Discussion  0

Correct Answer: B  🗳️

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