California Life & Health Insurance Practice Test 2026
Practice the exam California uses, from general life & health knowledge to California's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus California's own insurance law.
75 scored questions on each of the Health and Life exams. The time limit and passing score are set by California; check the candidate handbook.
Last verified September 2026 · Life-Only Agent Examination Educational Objectives
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About the California Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the California Life & Health test
California's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- General Insurance22 Qs
- Life Insurance49 Qs
- Life Policy Riders4 Qs
- General Insurance18 Qs
- General Concepts of Medical and Disability Insurance4 Qs
- Medical Expense Insurance45 Qs
- Disability Income Insurance4 Qs
- Long-term Care Insurance4 Qs
Source: CDI Prelicensing/License Examination Educational Objectives, revised 07-08-2019 (California Life-Only Agent Examination Educational Objectives; California Accident and Health Agent Examination Educational Objectives). Confirm current weights with the testing company before you book.
What to bring to the California exam
California official sources
- Unfair methods of competition and unfair or deceptive acts definedCal. Ins. Code s. 790.03 · California Legislative Information (leginfo.legislature.ca.gov)
- Grounds for license denial, suspension, or revocationCal. Ins. Code s. 1668 · California Legislative Information (leginfo.legislature.ca.gov)
- Individual disability policy required provisionsCal. Ins. Code ss. 10350.2-10350.3 · California Legislative Information (leginfo.legislature.ca.gov)
- Life and Disability Insurance: General Provisions, first halfCalifornia Insurance Code Div. 2, Pt. 2, Ch. 1, Art. 1, Secs. 10110 through 10123.3 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Life and Disability Insurance: General Provisions, second halfCalifornia Insurance Code Div. 2, Pt. 2, Ch. 1, Art. 1, Secs. 10123.31 through 10127.20 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Transfer; Policy Provisions Required; Payment and Proceeds; Exemptions; Preexisting Condition ProvisionsCalifornia Insurance Code Div. 2, Pt. 2, Ch. 1, Arts. 2, 3, 4, 5 and 7, Secs. 10129 through 10198.10 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Medicare Supplement PoliciesCalifornia Insurance Code Div. 2, Pt. 2, Ch. 1, Art. 6, Secs. 10192.1 through 10192.24 · California Legislative Counsel (leginfo.legislature.ca.gov)
- Life and Accident and Health or Sickness LicensesCalifornia Insurance Code § 1626 · California Legislature (Insurance Code)
All California insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the California provisions the questions on this page cite most often.
- Cal. Ins. Code § 1668 · Aiding or Abetting a Person6 questions
- Cal. Ins. Code § 790.03 · Boycott, Coercion, or Intimidation6 questions
- Cal. Ins. Code § 10192.17 · Medicare supplement free look notice and effect of return4 questions
- Cal. Ins. Code § 10110.1 · Contract Void Absent Insurable Interest at Application3 questions
- Cal. Ins. Code § 10192.11 · Annual birthday open enrollment period3 questions
- Cal. Ins. Code § 10350.2 · Form B, Incontestable3 questions
- Cal. Ins. Code § 10124 · continuation of coverage for an incapacitated dependent child2 questions
- Cal. Ins. Code § 10127.12 · Annual Statement Values for Senior Citizen Policyowners2 questions
Exam figures on this page were checked against official pages: Testing company · License fee. Confirm anything you rely on with the testing company and the California Department of Insurance.