Free California Life & Health Exam Prep
California Life, Accident, and Health Insurance
Prepare for the California Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
Study guide on MometrixExplore More Life & Health Insurance
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California Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
General Insurance Concepts
Master foundational insurance principles: basic concepts (9 questions), contract law (6 questions), and the insurance marketplace (7 questions). This section is 30% of the Life exam.
Life Insurance & AnnuitiesYou are here
Study life insurance basics, policy types, annuities (8 questions), individual contracts (10 questions), replacement rules (4 questions), taxation, group plans, and underwriting.
Health Insurance & PPACA
Learn medical expense insurance (14 individual + 8 group questions), PPACA requirements (8 questions), long-term care (4 questions), and California health regulations.
CA Insurance Code & Ethics
Complete mandatory 12-hour CDI-approved course covering California Insurance Code, ethics, unfair trade practices, and anti-fraud training (1 hour required).
Can You Take the California Life & Health Exam?
Check if you meet the basic eligibility requirements
- •2026 Change: AB 943 removed 20-hour line-specific pre-license requirement (effective Jan 1, 2026)
- •12-hour Ethics course still mandatory before license issuance
- •Pre-license certificate valid for 3 years
- •10 exam failures = 12-month bar from that exam (CIC section 1682)
- •Must be trustworthy and have good business reputation
- •No felony convictions involving fraud or dishonesty
Free California Life & Health Prep Tools
647+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Review the latest update date on each resource
$0 Forever
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What You'll Study
26 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: California Life & Health Insurance Exam Overview
1 sections
National Portion: Insurance & Risk Fundamentals
5 sections
National Portion: Life Insurance Basics
4 sections
National Portion: Interest-Sensitive & Variable Life
4 sections
National Portion: Life Policy Provisions & Options
4 sections
National Portion: Life Riders & Underwriting
4 sections
National Portion: Annuities - Structure & Types
4 sections
National Portion: Annuities - Payout, Uses & Suitability
3 sections
National Portion: Life & Annuity Taxation, Group, and Retirement
4 sections
National Portion: Health Insurance Basics
4 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Health Policy Provisions & Clauses
4 sections
National Portion: Group Health & Employer Plans
4 sections
National Portion: Senior & Government Health Programs
4 sections
National Portion: Long-Term Care & Supplemental Health
4 sections
National Portion: Affordable Care Act & Individual Market
3 sections
National Portion: Underwriting, Producers & Claims
3 sections
National Portion: Insurance Regulation & Licensing
3 sections
National Portion: Ethics & Unfair Trade Practices
3 sections
Chapter 1: California Insurance Regulation & Licensing
3 sections
Chapter 2: California Life Insurance Laws
3 sections
Chapter 3: California Health Insurance Laws
3 sections
Chapter 4: California Insurance Ethics & Prohibited Practices
3 sections
Chapter 5: California Annuity Regulations & Senior Protections
3 sections
Chapter 6: California Group Insurance & Special Topics
3 sections
California Life & Health-Specific Topics Covered
California Life & Health Exam Details
California Life, Accident, and Health Insurance
Administered by California Department of Insurance (CDI)
Exam Content Breakdown
Based on the official California Department of Insurance (CDI) content outline
22+18 questions: Basic concepts, contract law, insurance marketplace across both exams
~33 questions: Life basics, policy types, individual contracts, group plans
~15 questions: Annuity types, taxation, suitability requirements, senior protections
30 questions: Individual health (14), group medical (8), PPACA (8)
~12 questions: Long-term care (4), disability, Medicare Supplement
~18 questions: CDI regulations, unfair practices, CIGA, producer conduct
What's Included
26 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.
What's Next After the California Life & Health?
After passing the California Life & Health, you can pursue these career paths
California Life & Health Exam FAQ
Official California Department of Insurance (CDI) Resources
Verify information with these official sources
More Free Resources
Ready to Start Your Free California Life & Health Prep?
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