California Department of Insurance CA-Life-Accident-and-Health Exam Real Questions

Prepare and pass your CA Life, Accident and Health or Sickness Examination with free CA-Life-Accident-and-Health exam questions.

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Total 156 Questions | Updated On: Sep 13, 2024

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Question 1

Every individual annuity policy that is sold to a senior in the State of California MUST include which of the following free look information?

A : The insured forfeits any premiums paid if cancelled.

B : The policy has a 30-day return for cancellation feature.

C : The insurer has the right to cancel if less than 30 days.

Answer: B

Question 2

What is the first step in submitting Medicare claims?

A : The patient submits expenses to Medicare.

B : The medical provider submits expenses to Medicare.

C : The medical provider submits expenses to the patient.

D : Medicare submits expenses to the Medicare supplement provider.

Answer: A

Question 3

A Hospital Confinement Indemnity insurance policy pays

A : the amount of the actual hospital expenses.

B : 100% of the covered medical expenses less the deductible and coinsurance percentage.

C : an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.

D : the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital.

Answer: D

Question 4

Which group provides information about health-related issues to the elderly in California?

A : Medicare supplement insurers.

B : Long-term care insurance providers.

C : The National Health Care Anti-Fraud Association.

D : The Health Insurance Counseling and Advocacy Program (HICAP).

Answer: D

Question 5

The theory of probability is applied to life insurance through the use of

A : morbidity tables.

B : mortality tables.

C : the needs approach.

D : the human life value approach.

Answer: B

Page: 1 / 32

Total 156 Questions | Updated On: Sep 13, 2024

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