CertQuestUSA
Transportation70+AK/AL/AR +moreConstruction & Safety39+CAEnvironmental98+AL/AR/AZ +moreHealthcare & Clinical183+AL/AR/AZ +moreProfessional Licensing307+AL/AR/AZ +moreEducation & Teacher Certification17Aviation & FAA Certification9Finance & Securities Licensing19View all sectors ›

Life & Health Insurance Producer (California)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life & Health Insurance Producer (California): a 180-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (56%) and healthcare.gov (14%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
Start diagnostic
3
full papers, no repeats
50
questions per paper
180
questions in the bank
What this exam covers
5 real sample questions
Under California Insurance Code Section 1634, what does a life-only agent license authorize a producer to transact?
A. Accident and sickness coverage, including disability income benefits
B. 24-hour care coverage combining health and disability benefits
C. Insurance on human lives, including endowment and annuity benefits, and death or dismemberment-by-accident benefits
D. Property and casualty coverage bundled with a term life rider
Source: Cal. Ins. Code Section 1634
Under California Insurance Code Section 1635, what does an accident and health (or sickness) agent license authorize?
A. Insurance on human lives and endowment benefits
B. Variable annuity products only
C. Coverage for sickness, bodily injury, or accidental death, which may include disability income benefits
D. Long-term care insurance exclusively, to the exclusion of other accident and health products
Source: Cal. Ins. Code Section 1635
A producer wants to hold both a life license and an accident and health license in California. How does the California Department of Insurance (CDI) structure this on the license application?
A. CDI issues one unified 'life and health combined' license class that supersedes the individual life and accident-and-health authorizations
B. A combined license can only be obtained by first holding the life-only license for two years, then adding accident and health
C. The applicant checks both the life license type and the accident and health or sickness license type on the individual license application; they remain two distinct license authorizations held together
D. California does not permit a single individual to hold both authorizations simultaneously; a business entity license is required to combine lines
Source: CDI, Life Agent and Accident and Health or Sickness Agent Frequently Asked Questions
A California applicant applies for both the life license and the accident and health license at the same time, on the same initial application. What is the filing fee structure, per CDI guidance?
A. A single $188 filing fee covers both license types applied for together on the initial submission
B. Each license type requires its own separate $188 fee even when applied for simultaneously, totaling $376
C. The second license type is issued free of charge once the first is approved
D. Fees are waived for any applicant seeking both a life and an accident and health license in the same filing
Source: CDI, Life Agent and Accident and Health or Sickness Agent Frequently Asked Questions
"24-hour care coverage," as defined in California Insurance Code Section 1749.02, is authorized for transaction under which producer license class?
A. The life-only license under Section 1634 exclusively
B. A personal lines broker-agent license
C. The accident and health or sickness agent license
D. No license authorizes 24-hour care coverage; it may only be sold by insurers directly
Source: Cal. Ins. Code Section 1749.02; CDI Life Agent and Accident and Health FAQ
Same exam, other states
ALARAZCOCTDCFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSNCNENHNJNMNVNYOHOKORPASCTNTXUTVAWAWIWV
Real-world data for this exam
Insurance Sales Agents: real median wage (CA)May 2025$76,120/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life & Health Insurance Producer (California) practice test?
180 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (California) test cover?
13 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (14%), Applications, Underwriting, Delivery, and Field Responsibilities (14%), and Ethics, Suitability, Advertising, and General Regulation (14%).
Where do CertQuestUSA's Life & Health Insurance Producer (California) questions come from?
Primarily content.naic.org (56%) and healthcare.gov (14%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life & Health Insurance Producer (California)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
Composing your paper...