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

1. According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

A) The Commissioner.
B) The licensee.
C) The insurer.
D) The employer.

2. Under the hospice care of a long-term care policy, all of the following benefits are available EXCEPT

A) pain relief.
B) symptom control.
C) rehabilitation therapy.
D) family counseling.

3. Indexed annuities offer all of the following features EXCEPT

A) an opportunity to participate in gains associated with the stock market.
B) an annually increasing maximum rate of interest.
C) a minimum guarantee of interest rate.
D) protection during stock market declines.

4. As defined by the California Code of Regulations, a person who asserts a right of recovery under an insurance policy is called the

A) underinsured.
B) claimant.
C) injured.
D) beneficiary.

5. For income tax purposes, premiums for personal life insurance are

A) not deductible.
B) deductible to the extent that they exceed 7.5% of the adjusted gross income.
C) excluded from the adjusted gross income.
D) tax deferred.

Solutions: