A California agent advertises insurance on the internet. Which item must appear on the website home page or on a prominent link from it?Cal. Ins. Code Sec. 1726
A California applicant passed the qualifying examination and then put the paperwork aside. Within what period before the license is issued must the examination have been passed?Cal. Ins. Code Sec. 1676
A California applicant wants both the life and the accident and health or sickness license types. How does the code let the applicant meet the examination requirement?Cal. Ins. Code Sec. 1676
A California licensee does not pass premiums straight on to the insurer. Where does the code let the fiduciary funds be kept in the meantime?Cal. Ins. Code Sec. 1734
A California licensee files a renewal application and fee on time, but nothing has come back by the expiration date. For how long at most may the licensee go on working under the existing license?Cal. Ins. Code Sec. 1720
A California licensee is caught a third time without the license number on business cards. What fine does the code set for the third and later offenses?Cal. Ins. Code Sec. 1725.5
Show all 180 questions (174 more)
Agent licensing and continuing education, continued
A California licensee learns of a misdemeanor conviction that changes the background information on file. Within how many days of learning of it must written notice go to the commissioner?Cal. Ins. Code Sec. 1729.2
A California licensee leaves the license number off printed advertisements for the first time. What fine does the code set for the first offense?Cal. Ins. Code Sec. 1725.5
A California licensee moves the principal business office across town. How does the code say the commissioner is told of the new address?Cal. Ins. Code Sec. 1729
A California licensee says no renewal notice ever came and the license lapsed. Under the code, whose job was the renewal?Cal. Ins. Code Sec. 1718
A California life agent collects premium money as a fiduciary and spends it on personal bills. Of what is the agent guilty under the code?Cal. Ins. Code Sec. 1733
A California life agent holds a license, but no insurer has filed anything for the agent. What must an insurer file with the commissioner before the agent acts as its agent?Cal. Ins. Code Sec. 1704
A California life agent sends an application to a life insurer that has never appointed the agent, and a policy is issued. Within how many days after the agent submitted the application must the insurer forward a notice of appointment to the commissioner?Cal. Ins. Code Sec. 1704.5
A California life agent takes a first premium check with an application for a life insurer that has not appointed the agent. To whom must the check be made payable?Cal. Ins. Code Sec. 1704.5
A California life agent who is not a lawyer wants to split the commission on an annuity sale with the client's attorney, an active member of the State Bar of California. What does the code say?Cal. Ins. Code Sec. 1724
A California life agent who sells annuities is coming up on renewal. How much annuity training is owed before each renewal?Cal. Ins. Code Sec. 1749.8
A Californian finishes a prelicensing course and never applies for a license. How long after the completion date does the certificate of completion last?Cal. Ins. Code Sec. 1749
A Californian is licensed both as a life agent and as an accident and health or sickness agent. What is the total instruction owed before renewal?Cal. Ins. Code Sec. 1749.33
A Californian wants to sell coverage for sickness and bodily injury and nothing else. Which license type does the code give for that work?Cal. Ins. Code Sec. 1626
A course sponsor in California builds a class mainly to promote the marketing of annuities. What credit does it earn toward the annuity training requirement?Cal. Ins. Code Sec. 1749.8
A natural person who is a California life licensee has earned the designation Chartered Life Underwriter. Does the rule against business names that imply the licensee is an underwriter stop the person from using it?Cal. Ins. Code Sec. 1724.5
Before a California life agent first solicits individual consumers in order to sell annuities, how much annuity training does the code require?Cal. Ins. Code Sec. 1749.8
Before anyone solicits or negotiates a contract of insurance in California, what must that person hold?Cal. Ins. Code Sec. 1631
California defines an "insurance agent" as someone who transacts insurance for an admitted company. Which lines does that definition leave out?Cal. Ins. Code Sec. 1621
California excuses some long-time licensees from continuing education. Besides 30 continuous years in good standing in the state, what age must the licensee have reached?Cal. Ins. Code Sec. 1749.3
California issues two license types to the people who sell personal coverage. Which one lets its holder place coverage on human lives, with endowments and annuities?Cal. Ins. Code Sec. 1626
California's code lets the commissioner send a licensee an application to renew before a permanent license runs out. How far ahead at the least does the section say?Cal. Ins. Code Sec. 1718
California's license examination is given in English and in several other languages. Which of these did the code add on or after July 1, 2024?Cal. Ins. Code Sec. 1677
California's prelicensing standard for a life agent sets a number of hours of study on ethics and the Insurance Code. What is it?Cal. Ins. Code Sec. 1749
The department accuses a California licensee of misconduct against a person age 65 or over, and the licensee files a notice of defense. When the department requests it, within how long after it receives that notice must the hearing be held?Cal. Ins. Code Sec. 1738.5
Every appointment of a California life agent has been terminated and none is left on file. What happens to the agent's permanent license?Cal. Ins. Code Sec. 1704
For transacting insurance in California without a license, what is the longest stay in a county jail that the code allows?Cal. Ins. Code Sec. 1633
For which California license applicant may the commissioner deny the application without a hearing?Cal. Ins. Code Sec. 1669
From what moment does a California insurer's notice of appointment for a life agent take effect?Cal. Ins. Code Sec. 1704
How many hours of instruction does a California life agent licensee complete before the license is renewed?Cal. Ins. Code Sec. 1749.33
In California law, for whom does a "life and accident and health or sickness licensee" act as a life agent?Cal. Ins. Code Sec. 32
Inside California's prelicensing course on ethics and the code, how much study goes to insurance fraud?Cal. Ins. Code Sec. 1749
Of the instruction a California life agent completes before renewal, how much must be in ethics?Cal. Ins. Code Sec. 1749.33
On which materials must a California licensee print the license number under the code's rule on identifying licensees?Cal. Ins. Code Sec. 1725.5
Someone works as a life agent in California with no license at all. What is the largest fine the code sets for that misdemeanor?Cal. Ins. Code Sec. 1633
Which of these is a ground the California code lists for denying a license application?Cal. Ins. Code Sec. 1668
Life policy provisions 29
A California applicant leaves out a material fact without meaning to. What does the code give the injured party?Cal. Ins. Code Sec. 331
A California employer takes out insurance on the life of one of its workers under the code's insurable interest section. What must the employer obtain?Cal. Ins. Code Sec. 10110.1
A California individual life policy has stayed in force during the insured's lifetime since its date of issue. After at most how long does the required clause close the door on a contest, unpaid premiums aside?Cal. Ins. Code Sec. 10113.5
A California individual life policy is about to end for an unpaid premium. At least how many days before the termination takes effect must the notice be given?Cal. Ins. Code Sec. 10113.71
A California insurer raises the premium on an individual life policy that allows premium changes. At least how long before the increase takes effect must written notice be delivered or mailed?Cal. Ins. Code Sec. 10113.7
A California life agent shows a senior a preprinted policy illustration. In what print must the notice that it is an illustration only appear?Cal. Ins. Code Sec. 10127.11
A California life insurer has not paid a death claim 30 days after the insured died. From what date does the code compute the interest it owes?Cal. Ins. Code Sec. 10172.5
A California life insurer pays the person the policy names, having received no written notice at its home office of any other claim. What is the effect of that payment?Cal. Ins. Code Sec. 10172
A California life insurer wants its bylaws to form part of a policy just by mentioning them. When do such outside writings count as part of the contract?Cal. Ins. Code Sec. 10113
A California life policy passes by transfer to a person who has no insurable interest in the insured. Does the code allow the transfer?Cal. Ins. Code Sec. 10130
A California owner returns a variable life policy during the cancellation period. What does the code entitle the owner to?Cal. Ins. Code Sec. 10127.9
A California owner sends back a new life policy inside the return period. Within how many days from the date the insurer is notified must the premium be refunded?Cal. Ins. Code Sec. 10127.9
A representation in a California insurance contract is false in a material point. From when may the injured party rescind?Cal. Ins. Code Sec. 359
An individual life policy is delivered to a senior citizen in California. What is the shortest return period the cover page notice may state?Cal. Ins. Code Sec. 10127.10
California lets a minor make a contract of life insurance. Below what age, counted by the nearest birthday, is the written consent of a parent or guardian needed?Cal. Ins. Code Sec. 10112
California's code names a protective clause a life policy may carry for proceeds the insurer holds for a beneficiary. What does the clause do?Cal. Ins. Code Sec. 10171
For California's longer return period on life policies and annuities, how old is a "senior citizen" on the date of purchase?Cal. Ins. Code Sec. 10127.10
For people closely related by blood or law, what does California's code name as the insurable interest in another person's life?Cal. Ins. Code Sec. 10110.1
How does California's code class the granting, purchasing or disposing of annuities?Cal. Ins. Code Sec. 101
How does California's code say the materiality of a fact is to be determined?Cal. Ins. Code Sec. 334
How does California's code say the notice of pending lapse on an individual life policy is to be sent?Cal. Ins. Code Sec. 10113.71
How much insurable interest does California's code give a person in his or her own life?Cal. Ins. Code Sec. 10110.1
How often must a California life insurer tell a policy owner of the right to change the person designated to receive lapse notices?Cal. Ins. Code Sec. 10113.72
Is notice to the insurer of a transfer needed to keep a California life policy valid?Cal. Ins. Code Sec. 10131
The jacket of a California individual life policy tells the owner how long the policy may be sent back for cancellation. What range does the code allow for that period?Cal. Ins. Code Sec. 10127.9
Someone poses as another person to obtain an individual life policy in California, and the named person never took part. What does the code say of the contract?Cal. Ins. Code Sec. 10113.5
What is the shortest grace period, counted from the premium due date, that an individual life policy issued in California must contain?Cal. Ins. Code Sec. 10113.71
What name does California's code give to neglecting to communicate what a party knows and ought to communicate?Cal. Ins. Code Sec. 330
What right about lapse notices must a California insurer give an applicant for an individual life policy?Cal. Ins. Code Sec. 10113.72
Annuities and replacement 30
A California agent breaks the replacement article for the first time. What is the least administrative penalty the article sets for the agent?Cal. Ins. Code Sec. 10509.9
A California agent commits a knowing violation of the replacement article. What is the most the administrative penalty can be for each violation?Cal. Ins. Code Sec. 10509.9
A California consumer will not hand over consumer profile information for an annuity purchase. What does the producer obtain at the time of recommendation or sale?Cal. Ins. Code Sec. 10509.9204
A California existing insurer decides to try to keep a policy after the replacing insurer's written communication and materials arrive. Within how many days must it furnish the policyowner a policy summary or ledger statement?Cal. Ins. Code Sec. 10509.6
A California life agent used printed brochures and charts while proposing to swap a client's coverage. What does the code say happens to those papers?Cal. Ins. Code Sec. 10509.4
A California replacing insurer receives a replacement application at its home office before any policy is issued. Within what time must its written communication go to the existing insurer?Cal. Ins. Code Sec. 10509.6
A California senior buys a variable annuity. During the 30-day cancellation period, where may the premium be invested unless the owner directs otherwise?Cal. Ins. Code Sec. 10127.10
A California senior's annuity contract carries a surrender charge. Where must the bold notice that points to the charge information be printed?Cal. Ins. Code Sec. 10127.13
A Californian has swapped one annuity for another several times. How far back does the article tell the producer to look for an earlier exchange or replacement when judging a new one?Cal. Ins. Code Sec. 10509.9204
A life company, not its agent, is found for the first time to have ignored California's rules on swapping one contract for another. How large is the administrative penalty the company owes?Cal. Ins. Code Sec. 10509.9
A replacement is involved in a California life sale. By when must the agent present the "Notice Regarding Replacement of Life Insurance" to the applicant?Cal. Ins. Code Sec. 10509.4
An insurer breaks California's replacement article so often that it shows a general business practice. What is the most the penalty can be for each violation?Cal. Ins. Code Sec. 10509.9
California bars an agent from recommending an unnecessary replacement annuity to an insured of what age?Cal. Ins. Code Sec. 10509.8
California's consumer profile list for annuity sales asks whether the consumer intends to apply for means-tested government benefits. Which program does it name?Cal. Ins. Code Sec. 10509.9203
California's statutory replacement notice urges the applicant to talk to the present insurer or agent as well. With which words does it put that advice?Cal. Ins. Code Sec. 10509.4
The commissioner asks a California carrier for its file on an annuity sold some time ago: the facts gathered from the buyer and the reasons for the advice. Counting from the completed sale, how long must that file still be on hand?Cal. Ins. Code Sec. 10509.9207
For how long at the least does a California replacing insurer keep its evidence of the replacement notice and its replacement register?Cal. Ins. Code Sec. 10509.6
How must a California replacing insurer index the replacement register it keeps?Cal. Ins. Code Sec. 10509.6
In a California direct response sale the insurer did not propose a replacement, yet one is involved. When does the insurer send the applicant the replacement notice?Cal. Ins. Code Sec. 10509.7
Under California's annuity transactions article, who is responsible for compliance with the article?Cal. Ins. Code Sec. 10509.9206
Under California's replacement article, borrowing against an existing policy counts toward a replacement once the loans in total pass what share of the loan value?Cal. Ins. Code Sec. 10509.2
What are providers of California's annuity training course for producers forbidden to present?Cal. Ins. Code Sec. 10509.9205
What does California's replacement article call an attempt by the existing insurer or its agent to talk a policyowner out of replacing a policy?Cal. Ins. Code Sec. 10509.2
What makes a replacement annuity "unnecessary" under California's rule on sales to older insureds?Cal. Ins. Code Sec. 10509.8
What makes a sale a "direct-response sale" in California's replacement article?Cal. Ins. Code Sec. 10509.2
Which act does California's replacement article say is not "conservation"?Cal. Ins. Code Sec. 10509.2
Which coverage does California's replacement article not apply to?Cal. Ins. Code Sec. 10509.3
Which fact about a consumer is part of the "consumer profile information" in California's annuity transactions article?Cal. Ins. Code Sec. 10509.9203
Which transaction is outside California's annuity suitability article?Cal. Ins. Code Sec. 10509.9202
Who signs California's replacement notice before it is left with the applicant?Cal. Ins. Code Sec. 10509.4
Disability insurance provisions 35
A baby arrives in a California household that has family coverage under a disability contract. The code forbids limiting the infant's coverage starting at what point?Cal. Ins. Code Sec. 10119
A California agent pencils an extra benefit onto a client's disability policy and initials it. Whose approval does the required clause demand before a change is valid?Cal. Ins. Code Sec. 10350.1
A California carrier has kept the right to refuse renewal and uses the second version of the grace clause. How far ahead of the due date, at the least, must its written word that the contract will not continue go out?Cal. Ins. Code Sec. 10350.3
A California claimant could not reasonably file proof of loss on time. Absent legal incapacity, what is the latest the proof may come after the time it was otherwise required?Cal. Ins. Code Sec. 10350.7
A California disability insurer gets notice of a claim and sends no forms. After how many days without forms is the claimant treated as having met the proof of loss rules by sending written proof?Cal. Ins. Code Sec. 10350.6
A California disability policy is paid for month by month. What is the smallest number the insurer may write into the blank of the grace period clause?Cal. Ins. Code Sec. 10350.3
A California employee is notified that a disabled dependent child's group health coverage will end at the limiting age. Within how long after receiving the notice must proof of incapacity and dependency reach the insurer?Cal. Ins. Code Sec. 10277
A California health insurer lets an uncontested claim sit unpaid past the deadline. At what yearly rate does interest then accrue?Cal. Ins. Code Sec. 10123.13
A California health insurer receives a complete claim for hospital expenses that it does not contest. By when at the latest must it reimburse the claim?Cal. Ins. Code Sec. 10123.13
A California insurer issues a hospital and medical policy without finishing medical underwriting, then rescinds it when claims come in. What does the code call this barred practice?Cal. Ins. Code Sec. 10384
A California long-term care insurer denies a claim. Within how many days of the denial must the policyholder receive written notice of the reasons?Cal. Ins. Code Sec. 10235.9
A California long-term care policy pays only for institutional care. What words must page one of the form display?Cal. Ins. Code Sec. 10232.1
A California long-term care policy that is not federally qualified pays home care benefits. Impairment in how many activities of daily living must be enough to qualify?Cal. Ins. Code Sec. 10232.8
A Californian breaks an arm on a hiking trip and holds a disability policy. Within how many days after the loss begins does the required clause ask for written notice of claim?Cal. Ins. Code Sec. 10350.5
A Californian files a claim under a disability income policy, and the insurer sends no notice asking for more information in the first 30 calendar days. Interest then runs from the 31st calendar day after the claim was received. At what yearly rate?Cal. Ins. Code Sec. 10111.2
A Californian has furnished written proof of loss under a disability policy and wants to sue. How long must pass before an action may be brought?Cal. Ins. Code Sec. 10350.11
A Californian pays the overdue installments and the carrier revives a disability contract. For an illness to be covered, it must start more than how long past the revival date?Cal. Ins. Code Sec. 10350.4
A dependent child on a California group health policy nears the limiting age. At least how long before that birthday must the insurer send its notice to the employee?Cal. Ins. Code Sec. 10277
A worker at a small California firm has a qualifying event under the state continuation program. Within how many days must the employer tell the disability insurer in writing?Cal. Ins. Code Sec. 10128.55
After a California disability policy is issued, by what means alone may it be amended or restricted?Cal. Ins. Code Sec. 10321
California has its own continuation coverage program for group benefit plans. Employers of what size does it reach?Cal. Ins. Code Sec. 10128.51
California lets a disability policy carry an optional clause on intoxicants and controlled substances. To which kind of policy may that clause not apply?Cal. Ins. Code Sec. 10369.12
California's optional cancellation clause lets the insurer cancel a disability policy by written notice. The notice states an effective date at least how many days later?Cal. Ins. Code Sec. 10369.9
California's time of payment clause has a blank for how often periodic indemnities are paid. What is the least frequent period the insurer may write in?Cal. Ins. Code Sec. 10350.8
Dental-only, vision-only and behavioral health-only coverage share one label in California's definitions. What is that label?Cal. Ins. Code Sec. 106
Every long-term care policy in California must be one of which two kinds?Cal. Ins. Code Sec. 10236
Form A of California's time limit clause for disability policies stops the insurer from using application misstatements, fraud aside, to void the policy after how long from issue?Cal. Ins. Code Sec. 10350.2
How much long-term care training must a California agent who sells that coverage to individual consumers complete before each license renewal, once the first four years have passed?Cal. Ins. Code Sec. 10234.93
The optional second paragraph of California's payment of claims clause has a blank for a dollar amount. What is the largest figure that may be inserted?Cal. Ins. Code Sec. 10350.9
Under California's legal actions clause, after how long from the time written proof of loss is required is a suit on a disability policy shut out?Cal. Ins. Code Sec. 10350.11
Under Form B of California's notice of claim clause, an insured on a long loss-of-time claim gives notice of continuance of the disability how often?Cal. Ins. Code Sec. 10350.5
What does the California Insurance Code mean by the class it calls "disability insurance"?Cal. Ins. Code Sec. 106
What may a Medicare supplement policy in force in California not contain?Cal. Ins. Code Sec. 10192.6
Which event may not be used to raise the premium on an in-force long-term care policy in California?Cal. Ins. Code Sec. 10233.2
Which policy is "health insurance" as the California Insurance Code uses the term?Cal. Ins. Code Sec. 106
Unfair practices and sales to seniors 19
A California agent arrives at a senior's home for a meeting about life insurance. What must the agent state before saying anything other than a greeting?Cal. Ins. Code Sec. 789.10
A California agent gets an older person's name from a reply card that produced leads. What must the agent disclose in the initial contact with that person?Cal. Ins. Code Sec. 787
A California agent is convicted of a knowing misrepresentation that cost the victim $2,000. What is the largest fine the code sets when the loss is that small?Cal. Ins. Code Sec. 782
A California agent knowingly tells a client that a policy's dividends in coming years are certain to double. What does the code forbid here?Cal. Ins. Code Sec. 780
A California insurer makes a habit of asking claimants for a preliminary claim report and then for formal proof of loss forms that repeat the same information. How does the code class this?Cal. Ins. Code Sec. 790.03
A California insurer's inadvertent issuance of one policy breaks the unfair practices article in several ways. How does the penalty section count those acts?Cal. Ins. Code Sec. 790.035
A California life agent knowingly breaks the code's misrepresentation sections. After a hearing, for how long at most may the commissioner suspend the license under that article?Cal. Ins. Code Sec. 783
A California life agent plans a first meeting in a senior's home to talk about an annuity. Inside what window before the meeting must the written notice be delivered?Cal. Ins. Code Sec. 789.10
A California life agent suggests that an elder sell a stock fund to pay for an annuity. What must the agent disclose in writing about the sale of the asset?Cal. Ins. Code Sec. 789.8
A misrepresentation by a California agent costs the victim more than $10,000. What ceiling does the code then put on the fine?Cal. Ins. Code Sec. 782
A person in California commits an act the code defines as an unfair or deceptive practice, without willfulness. What is the most the commissioner may fix as a civil penalty for each act?Cal. Ins. Code Sec. 790.035
An individual disability policy is offered for sale to a Californian aged 67. How long an examination period after receipt must the policy provide?Cal. Ins. Code Sec. 786
For what purpose does California's code forbid a misleading comparison of insurers or policies made to an insured?Cal. Ins. Code Sec. 781
How large must the letters be on the paper a California agent delivers ahead of a first visit to an older client's house?Cal. Ins. Code Sec. 789.10
The same unfair practice in California was willful. What is the most the civil penalty may then be for each act?Cal. Ins. Code Sec. 790.035
What duty do California insurers and agents owe a prospective insured who is 65 years of age or older?Cal. Ins. Code Sec. 785
When may a California insurer charge a different rate for the same life or disability coverage solely because of a physical or mental impairment?Cal. Ins. Code Sec. 10144
Which public statement about a named insurer does California list among its unfair and deceptive practices?Cal. Ins. Code Sec. 790.03
Which right does California's notice of an in-home insurance meeting tell the senior about?Cal. Ins. Code Sec. 789.10
Guarantee association 26
A California agent wants to close a sale by telling the client that the guarantee association stands behind the policy. What does the guarantee law say about that?Cal. Ins. Code Sec. 1067.17
A California business owns many nongroup life policies with a failed member insurer. What is the most the guarantee association covers for that one owner?Cal. Ins. Code Sec. 1067.02
A California life company has paid its share of the levy raised to cover a failed carrier's contracts. What document does the guarantee body hand back for the amount paid?Cal. Ins. Code Sec. 1067.08
A California member insurer pays a guarantee association assessment after the due date. What yearly interest accrues from that date?Cal. Ins. Code Sec. 1067.08
A California member insurer that is not insolvent is placed under a court order of rehabilitation or conservation. What does the guarantee law call it?Cal. Ins. Code Sec. 1067.04
A liquidation order against a California member insurer becomes final. For at least how long are court proceedings in which the insolvent insurer is a party stayed?Cal. Ins. Code Sec. 1067.16
A variable contract leaves the investment risk with its owner. How does California's guarantee law treat that portion of the contract?Cal. Ins. Code Sec. 1067.02
A widow in Fresno is the beneficiary of a contract from a carrier now in liquidation. On the insured's one life, how much of the death benefit does California's guarantee law protect at the most?Cal. Ins. Code Sec. 1067.02
The board of the California guarantee association has two members who represent the public. Who appoints them?Cal. Ins. Code Sec. 1067.06
The board of the California guarantee association votes to ask the commissioner to examine a member insurer it believes may be impaired. Within how many days of the request must the examination begin?Cal. Ins. Code Sec. 1067.11
The California guarantee association has taken over coverage from a failed insurer, and the owner stops paying. After how many days of nonpayment do the association's obligations under the policy end?Cal. Ins. Code Sec. 1067.07
California's guarantee law does not reach an insurer that was declared insolvent on or before a stated date. Which date?Cal. Ins. Code Sec. 1067.18
Each year the board of the California guarantee association sends a financial report to the commissioner, the Governor and the Legislature. How soon after the fiscal year is it due?Cal. Ins. Code Sec. 1067.13
For life insurance and annuity contracts, the California guarantee association's liability is capped at what share of the contractual obligations?Cal. Ins. Code Sec. 1067.02
For one life, what is the most the California guarantee association covers in the present value of annuity benefits?Cal. Ins. Code Sec. 1067.02
The guarantee association levies several assessments on a California member insurer for the health account within one calendar year. Taken together, what share of the insurer's average annual premiums is the most they may reach?Cal. Ins. Code Sec. 1067.08
How does the California guarantee association's dollar limit on health insurance benefits move over time?Cal. Ins. Code Sec. 1067.02
How many member insurers sit on the board of directors of the California guarantee association?Cal. Ins. Code Sec. 1067.06
What are Class A assessments of the California guarantee association called for?Cal. Ins. Code Sec. 1067.08
What base figure does California's guarantee law set for health insurance benefits for any one individual?Cal. Ins. Code Sec. 1067.02
When may the California guarantee association abate or defer an assessment on a member insurer?Cal. Ins. Code Sec. 1067.08
When must a California insurer deliver the guarantee association's summary document to a policy owner?Cal. Ins. Code Sec. 1067.17
Which annuity contract is outside the coverage of California's guarantee law?Cal. Ins. Code Sec. 1067.02
Which body stands behind covered life, health and annuity contracts when a California member insurer fails?Cal. Ins. Code Sec. 1067.05
Which two accounts does the California guarantee association keep for administration and assessment?Cal. Ins. Code Sec. 1067.05
Within the California guarantee association's limit on a life policy, what is the most it covers in net cash surrender and net cash withdrawal values?Cal. Ins. Code Sec. 1067.02
How this list was compiled: California Insurance Code: sections 32, 101 and 106 (definitions), 330 to 359 (concealment and representation), 780 to 790.035 (misrepresentation, sales to seniors and unfair practices), 1067 to 1067.18 (the California Life and Health Insurance Guarantee Association), 1621 to 1738.5 (licensing), 1749 to 1749.8 (prelicensing and continuing education), 10110.1 to 10172.5 (the life and disability contract), 10192.6 (Medicare supplement policies), 10232.1 to 10236 (long-term care insurance), 10277 to 10384 (disability policies), 10509.2 to 10509.9 (replacement) and 10509.9202 to 10509.9207 (annuity transactions on or after January 1, 2025), read on the state legislature website leginfo.legislature.ca.gov on October 4, 2026. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial California life insurance practice exam asks the law only: 180 free questions written from the California Insurance Code, disability insurance law included. Policy types, underwriting and textbook theory are not asked.
Read the full guide
What the California law questions cover
Six groups: agent licensing and continuing education, life policy provisions, annuities and replacement, disability insurance provisions, unfair practices and sales to seniors, and the guarantee association. The Insurance Code calls accident and health coverage disability insurance. Questions you miss are held in a pile for a second try.
Studying for life insurance alone
California issues the life license and the accident and health or sickness license as two types. For life alone, set the topic filter to Life policy provisions, then to Annuities and replacement. Agent licensing and the guarantee association belong to both. Each answer names its Insurance Code section and links to leginfo.legislature.ca.gov.
Continuing education for a life agent: 24 hours before each renewal, three of them in ethics (Insurance Code Sec. 1749.33).
An individual life policy carries a grace period of at least 60 days from the premium due date (Insurance Code Sec. 10113.71).
Prelicensing: 12 hours of study on ethics and the code, one of them on insurance fraud (Insurance Code Sec. 1749).
Questions and answers
How many questions are on the California life insurance exam?
That number is not on this page. The Insurance Code sections read for this bank set no test length, time limit or pass mark, and Exam mode draws 25 questions as a set size, nothing more.
Is life insurance a separate license from health insurance in California?
Yes. Insurance Code Sec. 1626 lists life and accident and health or sickness as two license types. Under Sec. 1676 an applicant for both may qualify by passing one examination covering the subjects of both.
How many continuing education hours does a California life agent need?
24 hours of instruction before each renewal, three of them in ethics, under Insurance Code Sec. 1749.33. A person licensed as both a life agent and an accident and health or sickness agent also completes a total of 24 hours.
Is there a California life and health insurance exam questions PDF?
No PDF file is offered here. The questions run in the page, and each answer names its Insurance Code section and links to it. Print, on the score card, puts the bank's questions on paper.
Are these the real California life insurance exam questions?
No. Nobody here has seen the state exam. The questions were written from the California Insurance Code, and the California Department of Insurance did not write or review them.