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

SectionObjectives
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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