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

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

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

1. In medical expense insurance, what serves the same purpose as the elimination period in disability income insurance?

A) Maximum benefit.
B) Coinsurance.
C) Co-payment.
D) Deductible.


2. The initial enrollment period for Medicare Part B ends how many months after the 65th birthday month?

A) Seven months.
B) Five months.
C) One month.
D) Three months.


3. The type of health care provider that provides both the health care services and the health care coverage is called:

A) a Health Maintenance Organization.
B) an EPO.
C) a major medical organization.
D) a Preferred Provider Organization.


4. A contract in which only one party to the contract is legally bound to do anything is

A) personal.
B) aleatory.
C) conditional.
D) unilateral.


5. Which life insurance feature allows an insured to exchange a term policy for a cash value policy?

A) Convertibility
B) Reentry
C) Incontestability
D) Renewability


Solutions:

Question # 1
Answer: D
Question # 2
Answer: A
Question # 3
Answer: A
Question # 4
Answer: D
Question # 5
Answer: A

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