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647+ Free CA Life & Health Practice Questions

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2026 Statistics

Key Facts: CA Life & Health Exam

60%

Passing Score

CA CDI

150 Q

Combined Exam Questions

CA CDI

12 hrs

Pre-License Education (AB 943, 2026)

CA CDI

30 days

Senior Free Look

Age 60+

$300K

CLHIGA Life Limit

CLHIGA

~$98

Exam Fee (+ ~$43 PSI fee)

CA CDI / PSI

California's combined Life, Accident & Health insurance exam has 150 multiple-choice questions in 3 hours and requires a 60% score to pass (the Life-Only and Accident & Health exams are 75 questions in 1.5 hours each). Effective January 1, 2026, AB 943 cut prelicensing to a single 12-hour Ethics & California Insurance Code course (including 1 hour of fraud). California is distinctive for its 30-day free look period for seniors (age 60+), the California Insurance Code's extensive consumer protections, and CLHIGA coverage limits of $300,000 for life insurance and $500,000 for health insurance.

Sample CA Life & Health Practice Questions

Try these sample questions to test your CA Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 647+ question experience with AI tutoring.

1Which California state agency is the primary regulator of insurance companies and insurance producers in California?
A.California Department of Managed Health Care (DMHC)
B.California Department of Insurance (CDI)
C.California Department of Financial Protection and Innovation (DFPI)
D.California Health and Human Services Agency (CHHS)
Explanation: The California Department of Insurance (CDI), headed by the elected Insurance Commissioner, is the primary regulator of insurance companies and producers in California. The DMHC regulates health maintenance organizations (HMOs) under the Knox-Keene Act, but the CDI has broader regulatory authority over the insurance industry. The DFPI regulates financial services firms, and CHHS is the parent agency for health-related departments.
2How is the California Insurance Commissioner selected?
A.Appointed by the Governor with Senate confirmation
B.Elected by California voters in a statewide election
C.Appointed by the state legislature
D.Nominated by insurance industry representatives
Explanation: California is one of the few states where the Insurance Commissioner is elected by voters in a statewide election rather than appointed by the Governor. This makes the Commissioner directly accountable to California residents. The position was changed from appointed to elected by Proposition 103 in 1988, which also gave the Commissioner authority over rate regulation.
3Effective January 1, 2026, how many hours of pre-license education must a California Life-Only or Accident & Health license applicant complete?
A.12 hours
B.20 hours
C.40 hours
D.52 hours
Explanation: Effective January 1, 2026, Assembly Bill 943 repealed California's 20-hour line-specific pre-license education requirement. Applicants now complete only a single 12-hour California Insurance Code and Ethics course (including at least 1 hour of insurance-fraud training) under Insurance Code 1749, then pass the state licensing exam. The former 52-hour requirement no longer applies.
4What is the continuing education (CE) requirement for California life and health insurance producers per renewal period?
A.20 hours every 2 years
B.24 hours every 2 years
C.30 hours every 2 years
D.24 hours every year
Explanation: California requires life and health insurance producers to complete 24 hours of continuing education every 2 years as a condition of license renewal. This must include required ethics training hours. The 24-hour biennial requirement helps ensure producers stay current on California insurance law changes, product developments, and ethical standards.
5Under California law, which of the following is required before an insurance producer can sell policies on behalf of an insurer?
A.The producer must obtain a separate appointment from each insurer they represent
B.The producer only needs a valid CDI license with no separate insurer appointment
C.The producer must register with the National Association of Insurance Commissioners (NAIC)
D.The insurer must submit a notarized sponsorship letter to the CDI
Explanation: In California, a licensed insurance producer must be appointed by each insurer they wish to represent. The insurer files the appointment with the CDI, and the producer cannot transact business on behalf of that insurer until the appointment is effective. Simply having a CDI license is not sufficient; the appointment creates the legal authority to bind coverage for a specific company.
6A nonresident insurance producer wants to sell life insurance in California. What must this producer do to become licensed?
A.Complete California's 52-hour pre-license course and pass the CA exam
B.Hold a valid license in their home state and apply for a California nonresident license
C.Establish a physical office in California before applying
D.Be appointed by at least three California-domiciled insurers
Explanation: Under California's reciprocity rules, a nonresident producer who holds a valid license in their home state may apply for a California nonresident license without retaking the California exam or completing California pre-license education. The producer must maintain their home state license in good standing, and the home state must offer similar reciprocity to California licensees.
7How often must a California insurance producer renew their license?
A.Every year
B.Every 2 years
C.Every 3 years
D.Every 4 years
Explanation: California insurance producer licenses must be renewed every 2 years. During each renewal period, the producer must complete the 24-hour continuing education requirement and pay the applicable renewal fee. Failure to renew on time results in a lapsed license, though there is a grace period for late renewal.
8Which of the following is a grounds for the CDI to deny, suspend, or revoke a California insurance producer's license?
A.Filing a personal bankruptcy more than 10 years ago
B.Conviction of a felony involving dishonesty or breach of trust
C.Failing to sell a minimum number of policies per year
D.Being employed part-time rather than full-time in insurance
Explanation: A felony conviction involving dishonesty or breach of trust is a valid ground for the CDI to deny, suspend, or revoke a producer's license. California does not require minimum sales quotas or full-time employment as conditions of licensure. A bankruptcy more than 10 years old would generally not be considered a current basis for adverse action.
9Under California law, what is the standard free-look period for an individual life insurance policy issued to a buyer under age 60?
A.10 days
B.20 days
C.30 days
D.45 days
Explanation: California's standard free-look period for an individual life insurance policy is 10 days (the policyholder may return the policy for a full premium refund). A longer 30-day examination period applies to policies and annuities sold to seniors (age 60+ for annuities under Ins. Code 10127.10/.13; age 65+ for life and disability under Ins. Code 786), and to Medicare supplement and long-term care policies.
10California law provides an extended examination (free-look) period for senior citizens who purchase individual life insurance or annuity contracts. How long is this senior free-look period?
A.15 days
B.30 days
C.45 days
D.60 days
Explanation: California gives seniors a 30-day free-look (examination) period - longer than the standard 10 days. Under Insurance Code 786, individual and group life and disability policies sold to those age 65 or older must provide a 30-day examination period; individual annuities (Ins. Code 10127.10) carry a 30-day free look for all buyers, with added senior protections for buyers age 60 and older. During this period the contract may be returned for a full refund.

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

3 hours (combined Life, Accident & Health); 1.5 hours for Life-Only or Accident & Health

Passing Score

60%

Exam Fee

~$98 exam fee + ~$43 PSI convenience fee (~$141 per attempt) (PSI Services LLC, for the California Department of Insurance (CDI))

CA Life & Health Exam Content Outline

25%

CA CDI & Licensing

CDI licensing, 12-hour Ethics & CA Code pre-license education (AB 943, 2026), license types, appointment, CE requirements (24 hrs/2 yrs)

25%

CA Life Insurance Laws

California Insurance Code, 30-day free look (seniors 60+), AB 2222 replacement, annuity suitability, beneficiary rights

25%

CA Health Insurance Laws

California health policy requirements, Knox-Keene Act, Medi-Cal, Medicare supplement, COBRA/Cal-COBRA

25%

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: 60%
  • Exam length: 150 questions
  • Time limit: 3 hours (combined Life, Accident & Health); 1.5 hours for Life-Only or Accident & Health
  • Exam fee: ~$98 exam fee + ~$43 PSI convenience fee (~$141 per attempt)

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

1Master California Insurance Code provisions — they differ significantly from NAIC model laws
2Know the 30-day free look period for seniors (60+) vs standard 10-day period
3Understand CLHIGA coverage limits: $300K life, $250K annuity, $500K health
4Study Knox-Keene Act: HMOs regulated by DMHC, not CDI
5Learn Cal-COBRA (applies to groups 2-19) vs federal COBRA (groups 20+)

Frequently Asked Questions

How hard is the California life and health insurance exam?

The combined Life, Accident & Health exam has 150 questions in 3 hours and requires a 60% score to pass (the Life-Only and Accident & Health exams are 75 questions in 1.5 hours each). 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?

Effective January 1, 2026, AB 943 repealed the 20-hour line-specific requirement, so California now requires only a single 12-hour Ethics & California Insurance Code course (including 1 hour of fraud instruction), approved by the CDI, for life and accident & health applicants.

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.