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Free California Life and Health Practice Exam Online

Official exam: Life & Health Insurance Producer (California)

Take a free California Life and Health practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 180-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
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 written to the regulation it comes from.

Where these questions come from

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

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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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
Show answer and reasoning

Correct answer: C. Insurance on human lives, including endowment and annuity benefits, and death or dismemberment-by-accident benefits

  • A: Accident and sickness/disability income coverage is the scope of the separate accident and health agent license under Section 1635, not the life-only license.
  • B: 24-hour care coverage is referenced in connection with the accident and health license (Section 1749.02), not the life-only authorization.
  • D: Property and casualty lines require a separate broker-agent license class entirely outside Article 3's life and accident-and-health licensing scheme.
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
Show answer and reasoning

Correct answer: C. Coverage for sickness, bodily injury, or accidental death, which may include disability income benefits

  • A: Human lives and endowment benefits fall under the life-only license in Section 1634, not the accident and health license.
  • B: Variable annuities require a life agent authorization plus separate variable-contract/securities licensing, not the accident and health license.
  • D: Section 1635 covers accident and sickness coverage broadly; long-term care is one product an accident and health agent may sell, not the sole scope of the license.
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
Show answer and reasoning

Correct answer: 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

  • A: CDI does not issue a single unified license class for this combination; life and accident-and-health remain two separate license types that can be checked together on one application.
  • B: There is no two-year sequencing requirement; an applicant may check both license type boxes on the initial application.
  • D: Individuals, not only business entities, are routinely licensed for both life and accident-and-health 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
Show answer and reasoning

Correct answer: A. A single $188 filing fee covers both license types applied for together on the initial submission

  • B: CDI guidance states a single $188 fee applies when both license types are checked on the same initial application; applying separately/sequentially is what produces the $376 total.
  • C: There is no fee waiver for the second license type when both are applied for together; a single combined fee applies instead.
  • D: No general fee waiver exists for combined life/accident-and-health applications under this CDI fee structure.
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
Show answer and reasoning

Correct answer: C. The accident and health or sickness agent license

  • A: 24-hour care coverage is tied to the accident and health authorization referenced alongside Section 1749.02, not the life-only license.
  • B: Personal lines broker-agent licensing covers property/casualty personal lines, not health-related 24-hour care coverage.
  • D: Licensed accident and health agents, not only insurers directly, are authorized to transact this coverage.
Source: Cal. Ins. Code Section 1749.02; CDI Life Agent and Accident and Health FAQ
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (CA)May 2025$76,120/yr

Frequently asked questions

Where can I take a free California Life and Health practice exam online?
Right here. CertQuestUSA's free California Life and Health practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 180-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
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 Life & Health Insurance Producer (California) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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