The California Life, Accident & Health Exam, Explained (2026)

California licenses life agents and accident and health agents separately. You can take each 75-question exam on its own or the 150-question combined exam, all administered by PSI for the California Department of Insurance, and all offered in Spanish. Here is every number that matters, current to CDI's 2025 objectives.

Exam facts

Questions	75 for Life, 75 for Accident & Health, or 150 on the combined exam
Time limit	90 minutes per line exam, 3 hours combined
Passing score	60% (all producer license exams)
Administered by	PSI, for the California Department of Insurance
Languages	English, Spanish, Simplified Chinese, Vietnamese, Korean and Tagalog (AB 451)
Life exam split	General insurance 22, life insurance 49, riders 4
Accident & Health split	General insurance 18, concepts 4, medical expense 45, disability 4, long-term care 4
Also required for the license	12 hours of study on ethics and the California Insurance Code

Official content outline — where the points are

Weights below are CDI's own question counts for the two exams, grouped into 12 areas. California Insurance Code rules run through every area, with the heaviest load in the marketplace, contract law, replacement and senior health sections.

Domain	Weight	≈ Questions
Basic Insurance Concepts and Contract Law	17.3%	26
The Insurance Marketplace, Licensing and Ethics	9.3%	14
Life Insurance Basics, Underwriting and Claims	7.3%	11
Types of Life Policies and Group Life	8%	12
Annuities	5.3%	8
The Life Insurance Contract and Riders	9.3%	14
Replacement, Cancellation, Taxation and Social Security Disability	5.3%	8
Medical and Disability Concepts and Individual Medical Insurance	12%	18
Group Medical Expense Insurance	5.3%	8
The Patient Protection and Affordable Care Act	5.3%	8
Senior Health Products	10%	15
Disability Income and Long-Term Care	5.3%	8

See where you stand before you pay

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Common questions

Can I take the California insurance exam in Spanish?

Yes. Since January 1, 2024, AB 451 requires CDI to offer its producer license exams in Spanish, and the Life, Accident & Health and combined exams are all available. You choose the language when you schedule with PSI.

What score do I need?

60% on every producer license exam: 45 of 75 on a line exam, or 90 of 150 on the combined exam.

Should I take the combined exam or two separate ones?

The combined exam is the two line exams in one 3-hour sitting. Two separate exams split the content into two 90-minute sittings; candidates who want both licenses often book them together.

Which areas carry the most questions?

Senior health products (15 on the A&H exam), individual medical expense (14), general insurance concepts and contract law, and the individual life contract (10 on the Life exam).