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California Department of Insurance CA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | California Department of Insurance (CDI) |
|---|---|
| Exam Name: | Life, Accident and Health or Sickness Examination |
| Exam Number: | CA-Life-Accident-and-Health |
| Related Certifications: | Accident and Health or Sickness Agent License Life-Only Agent License |
| Passing Score: | 60% (90 out of 150 questions) |
| Exam Duration: | 180 minutes |
| Exam Price: | $88 + $33–$43 PSI convenience fee |
| Certificate Validity Period: | 2 years (renewable with continuing education) |
| Available Languages: | English, Spanish |
| Real Exam Qty: | 150 |
| Exam Format: | Multiple-choice, Computer-based |
| Recommended Training: | CDI Prelicensing Education Requirements |
| Exam Registration: | PSI Exam Registration CDI Exam Information |
| Sample Questions: | DOWNLOAD DEMO |
| Exam Way: | In-person at PSI testing centers or remote online proctored |
| Pre Condition: | 52 hours pre-licensing education (40 hours product-specific + 12 hours code/ethics) effective Jan 1, 2026; fingerprinting required |
| Official Syllabus URL: | https://www.insurance.ca.gov/0200-industry/0030-seek-pre-lic/prelicensing-educational-objectives.cfm |
California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance | 35% | - Policy provisions, riders, and options - Group life insurance - Types of life insurance policies - Beneficiary designations and settlement options |
| Topic 2: California Insurance Code & Ethics | 20% | - Ethical standards and anti-fraud provisions - Unfair trade practices - Policy delivery and replacement rules - State regulations and licensing rules |
| Topic 3: General Insurance Concepts | 10% | - Basic insurance principles and terminology - Insurance contract law and elements - Insurance marketplace and regulation overview |
| Topic 4: Health Insurance | 25% | - Medical expense and major medical plans - Long-term care insurance - Health policy provisions and exclusions - Medicare and Medicare supplements - Disability income insurance |
| Topic 5: Annuities and Retirement Plans | 10% | - Fixed and variable annuities - Tax treatment and suitability - Immediate and deferred annuities |
California Department of Insurance CA-Life-Accident-and-Health Exam — Answers to Your Questions
The California Department of Insurance CA Life, Accident and Health or Sickness Examination (exam code CA-Life-Accident-and-Health) is the exam you pass to earn the Life, Accident and Health or Sickness Agent License certification, a credential at the State Insurance Producer License level. It is also connected with related credentials such as Life-Only Agent License, Accident and Health or Sickness Agent License. If you are mapping out a certification path with California Department of Insurance, this exam is a milestone worth planning around.
The CA-Life-Accident-and-Health exam includes 150 questions, and you have 180 minutes to complete them. With that many questions on the clock, pacing is part of the challenge: divide your time into rough blocks as you go, and flag the items that stall you so you can circle back at the end instead of burning minutes on a single question. A week or two before your exam date, sit at least one full timed session in the 2Pass4sure test engine under the same time limit, so the pace feels familiar rather than frantic on the day.
You need 60% (90 out of 150 questions) to pass the CA-Life-Accident-and-Health exam, and the official registration fee is $88 + $33–$43 PSI convenience fee. That fee is due again in full for every retake, which makes thorough preparation the cheaper investment by far. Before you book your seat, test yourself with the 2Pass4sure practice questions until you are scoring comfortably above the passing mark on a consistent basis — it is the simplest way to avoid paying for the same exam twice.
52 hours pre-licensing education (40 hours product-specific + 12 hours code/ethics) effective Jan 1, 2026; fingerprinting required
Eligibility rules can be adjusted by California Department of Insurance over time, so before you register, confirm the current requirements on the official exam page: view the official CA-Life-Accident-and-Health exam information.
You can book the CA-Life-Accident-and-Health exam through the official registration channels below:
How the exam is taken: In-person at PSI testing centers or remote online proctored.
California Department of Insurance lists the following official training options for candidates preparing for this exam:
Once you have worked through the training, measure your readiness with the 157 practice questions from 2Pass4sure — they show you exactly which topics still need attention before you book the exam.
Yes. 2Pass4sure offers a free PDF demo of the CA-Life-Accident-and-Health practice questions, so you can judge the quality of the material firsthand before paying anything. Every purchase also includes 365 days of free updates — if California Department of Insurance changes the exam during that year, your material changes with it. And when the free update period expires, you can extend it at a 50% discount from within your member zone.
Every CA-Life-Accident-and-Health purchase at 2Pass4sure is backed by a 100% Money Back Guarantee: if you take the corresponding exam within 60 days of your purchase and do not pass, you can apply for a full refund. The guarantee has clear conditions — it does not apply if you sit the exam within 3 days of purchase, if you downloaded the material but never actually took the exam, or to free materials and expired orders, and the candidate name must match the payer name. To file a claim, send a scan of your exam enrollment slip together with your official Score Report PDF within 2 days of the exam; claims are processed within 7 days. If you would rather not take a refund, you can exchange the product instead and receive two additional exam preparation products of equal value for free, while your original product keeps its update service. Delivery itself is instant: your material is available for download right after payment and is also sent to your email within one minute — if it has not arrived within 2 hours, contact our customer service. There is no limit on how many computers you can install it on.
The official California Department of Insurance CA Life, Accident and Health or Sickness Examination outline divides the exam content into 5 main domains. The first three are:
- Life Insurance — 35%
- Health Insurance — 25%
- California Insurance Code & Ethics — 20%
That is only the headline view — scroll back up to the Exam Topics section on this page for the complete domain-by-domain breakdown before you plan your study schedule.
California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
Question 1
Why is having a large number of similar exposure units important to an insurer?
A. The greater the number insured, the more premium is collected to help cover losses.
B. The insured increases its market share with every insured.
C. The greater the number insured, the more accurately the insurer can predict losses and set appropriate premiums.
D. The greater the number insured, the more premium is collected to offset fixed costs.
Question 2
According to the California Insurance Code, all of the following Long-Term Care (LTC) insurance sales are considered unnecessary EXCEPT
A. an additional LTC policy to an insured who already has two LTC policies.
B. a replacement LTC policy with equal benefits for a lower premium.
C. a replacement LTC policy with fewer benefits and a higher premium.
D. two additional LTC policies that equal the combined benefits on an existing one.
Question 3
An insured replaces an existing annuity with a new one and must pay a surrender charge for cancelling the existing annuity. The new policy holds no greater financial benefits to the insured than the existing contract.
This is an example of
A. an unnecessary replacement.
B. a substandard annuity.
C. a deferred annuity.
D. nonforferture.
Question 4
All of the following describe examples of risk avoidance EXCEPT the insured
A. sensing the chance of a lawsuit and therefore giving his pet Bengal tiger to a local zoo.
B. never flying in airplanes.
C. recognizing that his driving skills are deteriorating and therefore increasing the liability limits of his auto policy.
D. never leaving his house after dark.
Question 5
During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's
A. ability to pay for the coverage.
B. existing long term care coverage.
C. attending physician statement.
D. goals and needs.
Solutions:
| Question 1 Answer: C | Question 2 Answer: B | Question 3 Answer: A | Question 4 Answer: C | Question 5 Answer: C |
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