California Department of Insurance CA Life, Accident and Health or Sickness Examination : CA-Life-Accident-and-Health Exam

  • Exam Code: CA-Life-Accident-and-Health
  • Exam Name: CA Life, Accident and Health or Sickness Examination
  • Updated: May 31, 2026
  • Q & A: 157 Questions and Answers

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About California Department of Insurance CA Life, Accident and Health or Sickness Examination : CA-Life-Accident-and-Health Exam Questions

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Free Download real CA-Life-Accident-and-Health actual tests

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

1. A worker is entitled to Social Security disability benefits if all of the following are true EXCEPT the

A) worker is insured for disability benefits.
B) worker cannot perform his or her current job, but is actively seeking other employment.
C) disability is expected to continue for 12 months or result in death.
D) worker is under age 65.


2. Which statement about Medicare is NOT correct?

A) Medicare Part C covers long-term care.
B) Medicare is a federal health insurance program.
C) Medicare Part A covers hospital care.
D) Medicare Part B covers physician services.


3. Which health insurance contract provision addresses the problem of over insurance?

A) Incontestability.
B) Assignment of benefits.
C) Reinstatement.
D) Coordination of benefits.


4. All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT

A) Out-of-pocket expenses are limited as long as the network is utilized.
B) Members pay fixed monthly fees to the HMO.
C) Members receive care from providers in the HMO network.
D) Members pay higher monthly fees when out-of-network providers are utilized.


5. The insured is totally and permanently disabled. The insured's policy continues in force without payment of further premiums because the policy contains a

A) reinstatement provision.
B) waiver of premium provision.
C) grace period provision.
D) guaranteed insurability provision.


Solutions:

Question # 1
Answer: B
Question # 2
Answer: A
Question # 3
Answer: D
Question # 4
Answer: D
Question # 5
Answer: B

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