California Life Insurance Practice Test
Take a free California Life insurance practice test with exam-style questions and detailed explanations. Review life policies, annuities, California Insurance Code, and the current CDI objective areas before your PSI exam.
Preparing for another California license line? Review the California Accident and Health or Sickness exam, study both lines on the combined California Life, Accident and Health or Sickness exam page, or compare with the free national Life insurance practice test.
California Life Exam Details
California uses the official examination name “Life.” PSI administers the computer-based exam for the California Department of Insurance. The separate-line exam contains 75 questions, allows 105 minutes, and requires a 60% score to pass.
What the California PSI Exam Covers
- Life policy types, provisions, riders, and exclusions
- Ownership, beneficiaries, settlement options, and taxation
- Individual and group life insurance
- Fixed, variable, indexed, immediate, and deferred annuities
- California replacement, disclosure, and suitability requirements
- California Insurance Code, ethics, and unfair practices
How to Use This Practice Page
Start with the free questions to identify weak objective areas. Read the explanation after every answer, including questions you answered correctly.
Before your PSI appointment, complete timed 75-question practice sessions with a 105-minute limit. Use the current CDI examination objectives as your final checklist.
Need both license lines? Use the California combined exam practice page. You can also switch directly to the California Accident and Health or Sickness exam.
Free California Life Practice Questions
Try California Life questions covering core policy concepts and state exam objectives. Select an answer for instant feedback and a detailed explanation.
If there is a discrepancy between the insured's age on the application and their actual age, the Misstatement of Age or Sex provision allows the insurer to:
California Life Exam FAQs
Q:How many questions are on the California Life insurance exam?
The California Life examination has 75 questions and a 105-minute time limit. PSI administers the exam for the California Department of Insurance, and the passing score is 60%.
Q:What topics are tested on the California Life insurance exam?
Study life insurance policies and provisions, beneficiaries, ownership, underwriting, taxation, group life, retirement concepts, annuities, and the California Insurance Code and ethics objectives that apply to Life agents.
Q:Is the California Life exam the same as the combined Life and Health exam?
No. The Life examination covers the Life license only. California also offers a separate Accident and Health or Sickness examination and a combined Life, Accident and Health or Sickness examination. Choose the exam that matches the license types on your application.
Q:Does the California Life exam include annuities?
Yes. The Life examination objectives include annuity concepts such as fixed, variable, indexed, immediate, and deferred annuities, as well as taxation, suitability, and contract provisions.
Q:How should I study for the California PSI Life exam?
Use the current California Department of Insurance Life examination objectives as your checklist. Practice each objective area, review every missed answer, and complete timed 75-question sessions before your PSI appointment.
Q:Where do I schedule the California Life insurance exam?
Schedule through PSI, which offers California test-center appointments and remote online proctoring. Review the current PSI candidate bulletin and California Department of Insurance requirements before test day.