Free Practice California Department of Insurance CA-Life-Accident-and-Health Exam Questions 2026

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

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Total 156 Questions | Updated On: May 21, 2026

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Question 1

Which of the following statements regarding risk is TRUE?

A : Only pure risks are insurable.

B : Only speculative risks are insurable.

C : Both pure and speculative risks are insurable.

D : Neither pure nor speculative risks are insurable.

Answer: A

Question 2

Medicare Part B pays for

A : hospice care.

B : prescription drugs.

C : physicians' services.

D : the first 60 days of hospitalization.

Answer: C

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

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 5

In health insurance the coinsurance is

A : a percentage of the cost for covered expenses paid by more than one insurer.

B : a portion of the premium paid by the insured and insurer for each covered service.

C : a payment shared by the insured and provider of covered service minus the deductible.

D : a percentage paid for covered expenses by the insured and insurer after the deductible is satisfied.

Answer: D

Page: 1 / 32

Total 156 Questions | Updated On: May 21, 2026

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