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: Apr 22, 2025

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Question 1

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 2

A Hospital Confinement Indemnity insurance policy pays

A : the amount of the actual hospital expenses.

B : 100% of the covered medical expenses less the deductible and coinsurance percentage.

C : an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.

D : the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital.

Answer: D

Question 3

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.

Answer: B

Question 4

Every individual annuity policy that is sold to a senior in the State of California MUST include which of the following free look information?

A : The insured forfeits any premiums paid if cancelled.

B : The policy has a 30-day return for cancellation feature.

C : The insurer has the right to cancel if less than 30 days.

Answer: B

Question 5

Which group provides information about health-related issues to the elderly in California?

A : Medicare supplement insurers.

B : Long-term care insurance providers.

C : The National Health Care Anti-Fraud Association.

D : The Health Insurance Counseling and Advocacy Program (HICAP).

Answer: D

Page: 1 / 32

Total 156 Questions | Updated On: Apr 22, 2025

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