Free California Life & Health Practice Test (2026)
Blueprint-weighted questions drawn from all 12 official domains. Timed at the real exam pace. You can pause; progress is saved on this device.
60 questions · 72 minutes
Pass line: 60%, same as the real exam
No feedback until you submit — like the real thing.
About this California Life & Health practice test
It has 60 questions drawn from every area of the official outline in the same proportions as the real exam, with 72 minutes, the real exam's pace. This practice test's pass line is 60%. The real exam has 150 scored questions in 180 minutes.
You can pause and come back: progress is saved on this device. When you finish you get a score for each area, so you can see where your points are going.
What it covers
| Area | Share of the exam | Practice |
|---|---|---|
| Basic Insurance Concepts and Contract Law | 17.3% | Practice this area |
| The Insurance Marketplace, Licensing and Ethics | 9.3% | Practice this area |
| Life Insurance Basics, Underwriting and Claims | 7.3% | Practice this area |
| Types of Life Policies and Group Life | 8% | Practice this area |
| Annuities | 5.3% | Practice this area |
| The Life Insurance Contract and Riders | 9.3% | Practice this area |
| Replacement, Cancellation, Taxation and Social Security Disability | 5.3% | Practice this area |
| Medical and Disability Concepts and Individual Medical Insurance | 12% | Practice this area |
| Group Medical Expense Insurance | 5.3% | Practice this area |
| The Patient Protection and Affordable Care Act | 5.3% | Practice this area |
| Senior Health Products | 10% | Practice this area |
| Disability Income and Long-Term Care | 5.3% | Practice this area |
5 sample questions
These questions are part of the practice test above. Each answer stays hidden until you open it.
1. Under California Insurance Code section 22, insurance is a contract in which one party undertakes to:
- A. Indemnify another against loss, damage or liability from a contingent or unknown event
- B. Share in the business profits of another
- C. Guarantee a profit to another on an investment made with a licensed broker or financial institution
- D. Lend money to another at a fixed rate of interest
Show the answer
Answer: A. Section 22 defines insurance as a contract whereby one undertakes to indemnify another against loss, damage or liability arising from a contingent or unknown event. Insurance transfers pure risk; it does not guarantee investment gains.
2. How does a person become California's Insurance Commissioner?
- A. Elected by the voters, for a four-year term, at most two terms
- B. Appointed by the governor
- C. Selected by insurers
- D. Chosen by the legislature for life
Show the answer
Answer: A. Insurance Code section 12900 provides that the commissioner is elected by the people at the same time and in the same manner as the governor, for no more than two four-year terms. A mid-term vacancy is filled with legislative confirmation.
3. While completing an application for health insurance, the applicant gives the agent an answer that later must be corrected. What is the BEST way to correct the application?
- A. Erase the incorrect answer or cover it with correction fluid and write in the new answer
- B. Have the agent correct the answer later and initial the change on the applicant's behalf
- C. Draw a line through the incorrect answer, insert the correct one, and have the applicant initial the change
- D. Submit the application unchanged and explain the error to the underwriter by phone
Show the answer
Answer: C. The application is the insurer's primary source of underwriting information and typically becomes part of the contract, so any change must be clearly visible and acknowledged by the applicant with his or her initials — or a fresh application should be completed. An agent must never alter an application on his or her own or conceal a correction.
4. In a noncontributory group life insurance plan, the employer pays the entire premium. What percentage of eligible employees must be covered under the plan?
- A. 25 percent
- B. 50 percent
- C. 75 percent
- D. 100 percent
Show the answer
Answer: D. Noncontributory plans require 100 percent participation of eligible employees: since employees pay nothing, covering everyone prevents adverse selection and simplifies administration. The 75 percent figure (the closest distractor) is the typical participation requirement for contributory plans, in which employees pay part of the premium. Outline IV.C (contributory vs. noncontributory).
5. A 72-year-old buys a variable annuity in California and gives no investment direction. During the 30-day cancellation period, where may the premium be invested under Insurance Code section 10127.10?
- A. It may not be invested; it must sit in cash
- B. Only in the insurer's general account at a guaranteed 10 percent
- C. In any of the underlying stock funds, chosen by the agent to maximize growth during the period
- D. Only in fixed-income investments and money-market funds
Show the answer
Answer: D. Under section 10127.10, during a senior's 30-day cancellation period the premium for a variable life policy or variable annuity may be invested only in fixed-income investments and money-market funds unless the owner specifically directs investment in the underlying mutual funds.