Free Practice California Department of Insurance CA-Life-Accident-and-Health Exam Questions 2025

Stay ahead with 100% Free CA Life, Accident and Health or Sickness Examination CA-Life-Accident-and-Health Dumps Practice Questions

Page: 1 / 32

Total 156 Questions | Updated On: Apr 10, 2025

Add To Cart

Question 1

The total premium paid by a life policy owner for one policy year is

A : the same regardless of the frequency of payment.

B : less when paid quarterly than if paid semiannually.

C : greater if the premium is paid semiannually rather than annually.

D : based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.

Answer: C

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

All of the following are standard exclusions in individual disability income policies EXCEPT

A : self-inflicted injuries.

B : preexisting conditions.

C : active military duty.

D : accidental injuries.

Answer: D

Question 4

All of the following are standard exclusions in individual disability income policies EXCEPT

A : self-inflicted injuries.

B : preexisting conditions.

C : active military duty.

D : accidental injuries.

Answer: D

Question 5

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

Page: 1 / 32

Total 156 Questions | Updated On: Apr 10, 2025

Add To Cart