Free California Accident & Health Insurance Practice Exam 3
Prepare for your licensing exam with our realistic state-specific test questions, complete answers, and detailed rationales.
Exam Structure & Overview
Passing the California insurance exam is the ultimate step toward launching your career as a licensed professional. This practice test consists of 25 high-probability questions sampled to match the general composition of topics tested on the real state licensing examination.
Whether you are preparing for the Accident & Health lines or a combined license, practicing with mock questions helps cement concepts, improves time management, and reduces test-day anxiety.
Key Practice Focus Areas
- State Laws & Regulations: Specific rules, licensing duties, and consumer protections.
- Policy Provisions & Options: Standard contract clauses, riders, exclusions, and riders.
- General Principles: Underwriting basics, insurance concepts, and legal requirements.
Recommended Study PathTry this practice exam fully. Review each explanation carefully when an answer is submitted. If you feel ready to unlock the full comprehensive question database, visit the main state hub for deeper exam simulations.
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Test 325 Questions
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Health InsuranceDisability Insurance
A disability that is presumed to be total and permanent, such as the loss of sight in both eyes or the loss of two limbs, is called a:
CA Insurance Law & EthicsLicensing & Conduct
The continuing education requirement for a new licensee in California includes a one-time, 8-hour course on:
Health InsuranceLong-Term Care Insurance
What is 'home health care' coverage in an LTC policy?
CA Insurance Law & EthicsSenior Protections
What is the primary purpose of the Health Insurance Counseling and Advocacy Program (HICAP)?
Health InsuranceMedicare & Medi-Cal
An insurer is marketing a new Medicare Advantage plan. The marketing materials must be approved by whom before they can be used?
CA Insurance Law & EthicsCalifornia Insurance Code & Unfair Practices
Offering a potential client a share of the commission or some other financial incentive to buy a policy is an illegal practice called:
Health InsuranceMedicare & Medi-Cal
Medicare Part D provides coverage for:
General InsuranceBasic Principles
Which of the following is NOT a risk classification used by underwriters?
General InsuranceContracts & Terminology
Because the insurer writes the policy and the insured has no say in its wording, an insurance policy is considered a(n):
Health InsuranceLong-Term Care Insurance
To be eligible for a tax-qualified LTC policy, the chronic illness must be expected to last at least:
Health InsuranceTypes of Policies
Vision insurance typically covers all of the following EXCEPT:
Health InsuranceACA / PPACA
Under the ACA's modified community rating rules, the maximum age rating ratio that insurers may apply between the oldest and youngest adult policyholders is:
Health InsuranceGroup Plans
When an employee continues their health coverage under Cal-COBRA, the maximum they can be charged is:
CA Insurance Law & EthicsCLHIGA and Fair Claims Settlement
A California-licensed life and health insurer becomes insolvent. Which of the following statements about its obligations as a CLHIGA member is TRUE?
General InsuranceUnderwriting & Policy Issuance
A 'binding receipt' provides:
Health InsuranceMedicare & Medi-Cal
A Medicare SELECT plan is a type of:
Health InsuranceGroup Plans
How long does an individual have to elect COBRA coverage after receiving the election notice?
Health InsuranceTypes of Policies
The amount an insured must pay out-of-pocket for covered health services before the insurance plan begins to pay is called the:
General InsuranceContracts & Terminology
The section of an insurance policy that identifies the specific risks being covered is the:
CA Insurance Law & EthicsPolicy Replacement & Disclosure
The replacing insurer must provide the existing insurer with a copy of what document related to the new policy?
Health InsuranceMedicare & Medi-Cal
Medicare Part A primarily provides coverage for:
General InsuranceBasic Principles
An insurer incorporated in Canada and conducting business in California is a(n):
Health InsuranceTypes of Policies
An insured has a health plan with a $2,000 deductible and 80/20 coinsurance. If the insured has a covered medical bill of $12,000, how much will the INSURER pay?
Health InsuranceGroup Plans
What does COBRA stand for?
Health InsuranceTypes of Policies