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

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Total 156 Questions | Updated On: Jun 06, 2025

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Question 1

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

A : morbidity tables.

B : mortality tables.

C : the needs approach.

D : the human life value approach.

Answer: B

Question 2

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

Question 3

Medicare Part B pays for

A : hospice care.

B : prescription drugs.

C : physicians' services.

D : the first 60 days of hospitalization.

Answer: C

Question 4

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 5

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

Page: 1 / 32

Total 156 Questions | Updated On: Jun 06, 2025

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