100+ Free CA Life & Health Practice Questions
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Key Facts: CA Life & Health Exam
55%
First-Time Pass Rate
CA CDI 2024
150 Q
Exam Questions
CA CDI
52 hrs
Pre-License Education
CA CDI
30 days
Senior Free Look
Age 60+
$300K
CLHIGA Life Limit
CLHIGA
$86
Exam Fee
PSI
California's life and health insurance exam has a 55% first-time pass rate. It requires 52 hours of pre-license education (40 life-only + 12 accident and health), 150 questions in 2.5 hours, and 70% to pass. California is unique for its 30-day free look period for seniors (age 60+), the California Insurance Code's extensive consumer protections, and the CLHIGA coverage limits of $300,000 for life insurance and $500,000 for health insurance.
About the CA Life & Health Exam
The California life and health insurance exam covers CDI licensing, California Insurance Code regulations, the California Life and Health Insurance Guarantee Association (CLHIGA), AB 2222 replacement rules, senior-specific protections including the Senior Insurance Bill of Rights, and California's unique free look period requirements.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$86 (California Department of Insurance (CDI) / PSI)
CA Life & Health Exam Content Outline
CA CDI & Licensing
CDI licensing, 52-hour pre-license education, license types, appointment, CE requirements (24 hrs/2 yrs)
CA Life Insurance Laws
California Insurance Code, 30-day free look (seniors 60+), AB 2222 replacement, annuity suitability, beneficiary rights
CA Health Insurance Laws
California health policy requirements, Knox-Keene Act, Medi-Cal, Medicare supplement, COBRA/Cal-COBRA
CA Ethics & Practices
Unfair Practices Act, CLHIGA, Senior Insurance Bill of Rights, producer conduct, penalties
How to Pass the CA Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $86
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
CA Life & Health Study Tips from Top Performers
Frequently Asked Questions
How hard is the California life and health insurance exam?
The CA life and health exam has a 55% first-time pass rate with 150 questions in 2.5 hours, requiring 70% to pass. California-specific topics like the Insurance Code, CLHIGA, senior protections, and the Knox-Keene Act are heavily tested.
What are California's pre-license education requirements?
California requires 52 hours of pre-license education: 40 hours for life-only (including ethics) and 12 hours for accident and health. Courses must be approved by the CDI.
What is the California 30-day free look period for seniors?
California provides a 30-day free look period for purchasers age 60 and older (compared to the standard 10-day period). This applies to life insurance and annuity contracts, giving seniors extra time to review and cancel without penalty.
What is the Knox-Keene Act?
The Knox-Keene Health Care Service Plan Act of 1975 regulates HMOs and health care service plans in California. It requires plans to be licensed by the Department of Managed Health Care (DMHC), not the CDI, and sets standards for quality, access, and consumer protections.