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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Insurance Basics and Principles | - Risk management concepts - Insurance terminology and principles |
| Topic 2: Life Insurance Concepts | - Policy provisions and riders - Beneficiaries and settlement options - Types of life insurance policies (term, whole life, universal life) |
| Topic 3: Annuities and Retirement Concepts | - Retirement income options - Fixed and variable annuities |
| Topic 4: Accident and Health Insurance | - Long-term care insurance basics - Disability income insurance - Medical expense coverage |
| Topic 5: State Insurance Regulations (California) | - Licensing requirements and producer conduct - California Insurance Code and regulations - Unfair trade practices and ethics |
California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
The guaranteed insurability option provides the ability to
- A. waive premium payments in the event of disability.
- B. purchase additional insurance regardless of insurability.
- C. access a portion of the death benefit in the event of serious illness.
- D. double the amount of the death benefit in the event of accidental death.
Correct Answer: B 🗳️
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What is the limit of liability in a term life insurance policy?
- A. The face amount plus the premiums paid.
- B. The face amount of the policy.
- C. The total cash value.
- D. The total amount of premiums paid.
Correct Answer: B 🗳️
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Characteristics of Preferred Provider Organizations (PPOs) include all of the following EXCEPT
- A. primary physicians serve as gatekeepers.
- B. benefits are paid for care received by non-network physicians.
- C. employees can see specialists without referrals.
- D. there are incentives to use network providers.
Correct Answer: A 🗳️
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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. spouses are both employed and eligible for group medical benefits.
- B. a person working for two employers has insurance through both.
- C. a worker's group medical plan includes a carryover deductible provision.
- D. an executive has additional coverage through an association policy.
Correct Answer: C 🗳️
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During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's
- A. goals and needs.
- B. existing long term care coverage.
- C. ability to pay for the coverage.
- D. attending physician statement.
Correct Answer: D 🗳️
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