Practice CA-Life-Accident-and-Health Exam Online

Question 1

According to the California Insurance Code, an illustration used to sell life insurance must include all of the following information EXCEPT

A : the probability that illustrated nonguaranteed scenarios will occur.

B : a label that identifies it as an illustration.

C : insurer-s policy name and form number.

D : name and address of the producer.

Answer: A

Question 2

Your client has just bought a new home which he has financed with a $150,000, 7.5% interest, 30-year bank loan. He would like to be sure that if he dies prematurely, the unpaid balance of the mortgage would be paid. He wants a policy that will cover the mortgage balance - no more, no less - anytime during the life of the mortgage. Which policy is designed to meet this need?

A : Level term policy.

B : Home service policy.

C : Increasing term policy.

D : Decreasing term policy.

Answer: D

Question 3

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

A : Residual benefits.

B : Elimination period.

C : Cost of living rider.

D : Automatic increase provision.

Answer: B

Question 4

Which group provides information about health-related issues to the elderly in California?

A : Medicare supplement insurers.

B :

Long-term care insurance providers.

C : The National Health Care Anti-Fraud Association.

D : The Health Insurance Counseling and Advocacy Program (HICAP).

Answer: D

Question 5

A life insurance application is important for all of the following reasons EXCEPT

A : statements made in the application are required to be true to the best of the applicant’s knowledge.

B : the beneficiary must sign the application before the insurer will issue the policy.

C : the application becomes a part of the policy, if a copy is attached.

D : the application contains essential information about the applicant.

Answer: B

Name:	CA Life, Accident and Health or Sickness Examination
Exam Code:	CA-Life-Accident-and-Health
Certification:	California Department of Insurance Certification
Vendor:	California Department of Insurance
Total Questions:	156
Last Updated:	Aug 01, 2026

California Department of Insurance CA-Life-Accident-and-Health Answers