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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| State Insurance Regulations (California) | - Licensing requirements and producer conduct - California Insurance Code and regulations - Unfair trade practices and ethics |
| Life Insurance Concepts | - Beneficiaries and settlement options - Types of life insurance policies (term, whole life, universal life) - Policy provisions and riders |
| Accident and Health Insurance | - Medical expense coverage - Long-term care insurance basics - Disability income insurance |
| Annuities and Retirement Concepts | - Retirement income options - Fixed and variable annuities |
| Insurance Basics and Principles | - Insurance terminology and principles - Risk management concepts |
California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:
Question 1
Which policy provision protects the insurer against possible adverse selection?
A. Suicide clause.
B. Nonforfeiture.
C. Reinstatement.
D. Entire contract.
Question 2
In the absence of a coordination of benefits clause, all of the following circumstances might result in recovery of more than 100% of actual health care expenses EXCEPT
A. an executive has additional coverage through an association policy.
B. spouses are both employed and eligible for group medical benefits.
C. a worker's group medical plan includes a carryover deductible provision.
D. a person working for two employers has insurance through both.
Question 3
A condition that may increase the chance of a loss arising from a given cause of loss is a
A. peril.
B. risk.
C. hazard.
D. deviation.
Question 4
In health insurance the coinsurance is
A. a payment shared by the insured and provider of covered service minus the deductible.
B. a portion of the premium paid by the insured and insurer for each covered service.
C. a percentage of the cost for covered expenses paid by more than one insurer.
D. a percentage paid for covered expenses by the insured and insurer after the deductible is satisfied.
Question 5
Medicare Part B pays for
A. prescription drugs.
B. physicians' services.
C. hospice care.
D. the first 60 days of hospitalization.
Solutions:
| Question 1 Answer: A | Question 2 Answer: C | Question 3 Answer: C | Question 4 Answer: D | Question 5 Answer: B |
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