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

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

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

1. In the absence of a coordination of benefits clause, all of the following circumstances might result in recovery of more than 100% of actual health care expenses EXCEPT

A) an executive has additional coverage through an association policy.
B) spouses are both employed and eligible for group medical benefits.
C) a person working for two employers has insurance through both.
D) a worker's group medical plan includes a carryover deductible provision.


2. It is considered an unfair method of competition for an agent to advertise that the insurer the agent is appointed with is

A) an admitted insurer in the state of California.
B) highly rated by A.M. Best Company.
C) fully authorized by certification to sell insurance.
D) a member of the Insurance Guarantee Association.


3. According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

A) The Commissioner.
B) The employer.
C) The licensee.
D) The insurer.


4. To help keep premiums more affordable, which provision is included in a disability income policy?

A) Residual benefits.
B) Cost of living rider.
C) Elimination period.
D) Automatic increase provision.


5. What policy is a savings instrument designed to first accumulate funds and then systematically to liquidate the funds?

A) Mortgage insurance.
B) Term life.
C) Disability income insurance.
D) Deferred annuity.


Solutions:

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

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