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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

Question 1

Why is having a large number of similar exposure units important to an insurer?

A. The greater the number insured, the more accurately the insurer can predict losses and set appropriate premiums.
B. The greater the number insured, the more premium is collected to offset fixed costs.
C. The greater the number insured, the more premium is collected to help cover losses.
D. The insured increases its market share with every insured.

Question 2

According to the California Insurance Code, all of the following Long-Term Care (LTC) insurance sales are considered unnecessary EXCEPT

A. a replacement LTC policy with equal benefits for a lower premium.
B. a replacement LTC policy with fewer benefits and a higher premium.
C. two additional LTC policies that equal the combined benefits on an existing one.
D. an additional LTC policy to an insured who already has two LTC policies.

Question 3

California long-term care policies may be identified as any of the following EXCEPT

A. Comprehensive Long-Term Care.
B. Home Care only.
C. Nursing Facility and Residential Care Facility only.
D. Acute Hospital Care only.

Question 4

What is the limit of liability in a term life insurance policy?

A. The face amount of the policy.
B. The total amount of premiums paid.
C. The total cash value.
D. The face amount plus the premiums paid.

Question 5

Which program is designed to provide medical assistance to people with low incomes?

A. Social Security.
B. Workers' Compensation.
C. Medicare.
D. Medical.

Solutions: