California Department of Insurance CA-Life-Accident-and-Health valid study dumps : CA Life, Accident and Health or Sickness Examination

  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: Jul 08, 2026
  • Q&As: 157 Questions and Answers

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

1. Which tax advantage is available for individual nonqualified annuities?

A) Deductibility of contributions.
B) Tax-deferred accumulation of earnings.
C) Fully taxable distributions.
D) Penalty-free early withdrawals.


2. The theory of probability is applied to life insurance through the use of

A) the needs approach.
B) morbidity tables.
C) the human life value approach.
D) mortality tables.


3. All of the following describe examples of risk avoidance EXCEPT the insured

A) never leaving his house after dark.
B) recognizing that his driving skills are deteriorating and therefore increasing the liability limits of his auto policy.
C) never flying in airplanes.
D) sensing the chance of a lawsuit and therefore giving his pet Bengal tiger to a local zoo.


4. Which contract provision forgives the payment of all health or disability insurance premiums whilethe insured is disabled?

A) family leave
B) waiver of premium
C) guaranteed insurability
D) cost of living


5. Insurer policy expenses include all of the following EXCEPT

A) premiums.
B) agent commissions.
C) home office operations.
D) taxes.


Solutions:

Question # 1
Answer: B
Question # 2
Answer: D
Question # 3
Answer: B
Question # 4
Answer: B
Question # 5
Answer: A

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