Free California Department of Insurance CA-Life-Accident-and-Health Practice Exams Questions 2026 - TheExamsLabs

Start Preparation with the Latest and Real 100% Free California Department of Insurance Certification CA-Life-Accident-and-Health Exam Dumps Questions Practice 2026

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Total 156 Questions | Updated On: Jun 16, 2026

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Question 1

The theory of probability is applied to life insurance through the use of

A : morbidity tables.

B : mortality tables.

C : the needs approach.

D : the human life value approach.

Answer: B

Question 2

All of the following are standard exclusions in individual disability income policies EXCEPT

A : self-inflicted injuries.

B : preexisting conditions.

C : active military duty.

D : accidental injuries.

Answer: D

Question 3

A Hospital Confinement Indemnity insurance policy pays

A : the amount of the actual hospital expenses.

B : 100% of the covered medical expenses less the deductible and coinsurance percentage.

C : an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.

D : the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital.

Answer: D

Question 4

The guaranteed insurability option provides the ability to

A : waive premium payments in the event of disability.

B : purchase additional insurance regardless of insurability.

C : access a portion of the death benefit in the event of serious illness.

D : double the amount of the death benefit in the event of accidental death.

Answer: B

Question 5

Which group provides information about health-related issues to the elderly in California?

A : Medicare supplement insurers.

B : Long-term care insurance providers.

C : The National Health Care Anti-Fraud Association.

D : The Health Insurance Counseling and Advocacy Program (HICAP).

Answer: D

Page: 1 / 32

Total 156 Questions | Updated On: Jun 16, 2026

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