California Life, Accident, Health & Sickness Insurance Exam Prep Study Guide 

CDI + PSI Exam Prep + 50 Practice Questions

Instant PDF Download — $19.97

Preparing for the California Life, Accident, and Health or Sickness Agent License Exam?

Don’t rely on a generic national Life & Health book and hope it covers enough California law.

The California Life, Accident, Health & Sickness Exam Study Guide 2026 combines the core insurance concepts you need with focused preparation for the California Insurance Code, CDI licensing rules, CLHIGA, IIPPA privacy requirements, senior protections, replacement rules, LTC training, annuity requirements, Cal-COBRA, anti-fraud compliance, and other California-specific topics.

You’ll also receive:

weighted across general insurance, Life, Health, and California-specific content—with detailed answer explanations and statutory citations. California_Life_Accident_Health…

California-Specific • Life + Health • 50 Questions • CIC Quick-Reference Material • 2026 Edition

Built Specifically for the California Life & Health Exam

California is not simply another state version of a generic Life & Health exam.

The guide highlights three major differences:

California requires pre-licensing education.

The combined exam uses a 60% passing threshold but covers a broad 150-question scored exam.

California-specific laws and regulations make up a substantial portion of the material candidates need to understand.

The guide places particular emphasis on California Insurance Code provisions, CLHIGA limits, IIPPA privacy law, anti-fraud requirements, senior protections, LTC training rules, and ethics because those are areas national-only prep books may not adequately address. California_Life_Accident_Health…

What’s Included for $19.97?

Your instant-download study guide includes:

✓ 47-page California exam-prep PDF
✓ 2026 edition
✓ California CDI licensing overview
✓ PSI exam overview
✓ California pre-licensing requirements
✓ General insurance concepts
✓ Insurance contract law
✓ Agents vs. brokers
✓ Life insurance products
✓ Life policy riders
✓ Life policy provisions
✓ Annuities
✓ Retirement concepts
✓ Health insurance
✓ Disability income insurance
✓ Long-Term Care insurance
✓ Health policy provisions
✓ Medicare & Medigap
✓ Medi-Cal
✓ Social Security
✓ California Insurance Code review
✓ CLHIGA limits
✓ IIPPA privacy rules
✓ California replacement requirements
✓ Senior protections
✓ California LTC training requirements
✓ Cal-COBRA
✓ California anti-fraud requirements
✓ 50 practice questions
✓ Detailed answer explanations
✓ California Insurance Code citations
✓ Final review & exam-day checklist

The guide is organized into 14 sections, with the final sections devoted specifically to California Insurance Code material, practice questions, explanations, and final review. California_Life_Accident_Health…

Understand the California Exam

According to the guide, the combined exam is the:

California Life, Accident, and Health or Sickness Agent Examination

and is administered by PSI Services LLC on behalf of the California Department of Insurance.

The guide lists:

150 scored questions

+ 10 unscored pretest questions

195-minute time limit

60% passing score

The candidate cannot identify which 10 questions are experimental, so every question needs to be treated as if it counts. California_Life_Accident_Health…

California Pre-Licensing Requirements

The guide describes the California combined-license education requirement as:

52 Hours Total

20 Hours — Life Insurance

20 Hours — Accident & Health Insurance

12 Hours — Ethics & California Insurance Code

Additional product-specific training can apply if you plan to sell products such as LTC or annuities.

The guide stresses that this study guide is an exam-preparation supplement—not a substitute for California-required pre-licensing education. California_Life_Accident_Health…

General Insurance Concepts

Build the foundation you’ll need throughout the exam.

Review:

Pure vs. Speculative Risk

Hazards

Perils

Loss

Insurable Interest

Indemnity

Subrogation

Adhesion

Aleatory Contracts

Unilateral Contracts

Conditional Contracts

Utmost Good Faith

Concealment

Misrepresentation

Material Facts

Fraud

The guide also connects these principles directly to California Insurance Code provisions—for example, CIC §332 and utmost good faith. California_Life_Accident_Health…

Agents, Brokers & California License Types

California terminology matters.

The guide distinguishes:

Agent

Represents the insurer.

Broker

Represents the insured and shops the market on the insured’s behalf.

It also highlights a classic California exam trap:

THERE IS NO “LIFE SOLICITOR” LICENSE IN CALIFORNIA

The guide specifically cites CIC §1631 for this distinction. California_Life_Accident_Health…

This is exactly the kind of state-specific detail that gets missed when candidates prepare only from national material.

Life Insurance Review

Prepare for the major life products:

Term Life

Level • Decreasing • Increasing • Renewable • Convertible

Whole Life

Straight Whole Life • Limited Pay • Single Premium

Universal Life

Flexible Premiums • Adjustable Death Benefit • Option A • Option B

Variable Life

Cash value invested through separate accounts; securities licensing requirements also apply.

Variable Universal Life

Combines UL flexibility with variable investment components.

Indexed Universal Life

Interest crediting linked to an index with applicable caps and participation rates.

Group Life

Master-policy and conversion concepts.

Joint Life

First-to-Die

Survivorship

Second-to-Die

These product distinctions are organized together in the Life section so candidates can compare them under exam conditions. California_Life_Accident_Health…

California Life Policy Provisions

Review concepts such as:

Insuring Clause

Grace Period

Reinstatement

Incontestability

Suicide Clause

Misstatement of Age

Beneficiary Designations

Settlement Options

Nonforfeiture Options

Policy Loans

Dividends

One particularly important California concept is the free-look period.

The guide identifies:

10 days minimum — individual life

30 days — replacement policies

30 days — Medicare Supplement

30 days — individual LTC

30 days — annuities sold to seniors 60+ California_Life_Accident_Health…

Life Insurance Riders

Review commonly tested riders including:

Waiver of Premium

Accidental Death Benefit

Guaranteed Insurability

Cost of Living

Term Rider

Long-Term Care Rider

Accelerated Death Benefit

Disability Income Rider

Family Income / Maintenance

Child & Spouse Riders

Return of Premium

The guide explains what each rider does rather than simply listing names. California_Life_Accident_Health…

California Replacement Rules

Replacement is another California-specific area worth extra attention.

The guide reviews:

Notice Regarding Replacement

Comparison Statements

Existing insurer notification

Recordkeeping

Penalties

and the:

30-DAY CALIFORNIA REPLACEMENT FREE-LOOK

The guide also states that replacement records should be retained for at least 5 years. California_Life_Accident_Health…

Annuities & Retirement

Study:

Fixed Annuities

Variable Annuities

Indexed Annuities

Immediate Annuities

Deferred Annuities

Single Premium Deferred Annuities

Flexible Premium Deferred Annuities

Payout Options

Straight Life

Life with Period Certain

Life with Refund

Joint & Survivor

Period Certain

Fixed Amount

The guide also distinguishes the owner, annuitant, and beneficiary and explains the accumulation and annuitization phases. California_Life_Accident_Health…

California Annuity Training

California-specific training is part of the guide’s annuity review.

The guide states that producers must complete:

8-Hour Initial Annuity Course

before selling annuities in California, with a:

4-Hour Annuity Refresher Each Renewal

under the rules cited in the guide. California_Life_Accident_Health…

Life & Annuity Taxation

Review:

Tax-free life death benefits

Tax-deferred cash value

Policy loans

Taxable surrender gain

Annuity accumulation

Exclusion ratios

Early withdrawal penalties

Modified Endowment Contracts

7-Pay Test

Transfer-for-Value

Qualified vs. Nonqualified Plans

Traditional IRAs

Roth IRAs

RMD concepts

These topics are important because tax treatment can determine which answer best describes a product or transaction. California_Life_Accident_Health…

Health Insurance

The guide reviews:

Disability Income

Elimination Period

Benefit Period

Own Occupation

Any Occupation

Modified Own Occupation

Total Disability

Partial Disability

Residual Disability

Medical Expense

Major Medical

Hospital Indemnity

Critical Illness

Cancer Insurance

Dental

Vision

Accident-Only

AD&D

Core Health Terms

Deductible

Coinsurance

Copayments

Out-of-Pocket Maximum

Coordination of Benefits

Provider Networks

Long-Term Care Insurance

Review:

Activities of Daily Living

Cognitive Impairment

Skilled Care

Intermediate Care

Custodial Care

Home Care

Adult Day Care

Respite

Assisted Living

Nursing Home Care

The guide emphasizes the familiar LTC benefit trigger:

2 of 6 ADLs

Bathing • Dressing • Toileting • Transferring • Continence • Eating

California LTC Training

California’s LTC training requirement gets its own treatment.

The guide describes:

8 Hours Initial Training

before selling LTC.

Then:

8 hours annually during the first 4 years

followed by:

8 hours biennially after year 5

with applicable refresher education tied to renewal.

Mandatory Health Policy Provisions

California requires a series of uniform policy provisions.

The guide reviews:

Entire Contract

Time Limit on Certain Defenses

Grace Period

Reinstatement

Notice of Claim

Claim Forms

Proof of Loss

Time of Payment of Claims

Payment of Claims

Physical Examination & Autopsy

Legal Actions

Change of Beneficiary

Important numbers reviewed include:

Notice of Claim — 20 days

Claim Forms — 15 days

Proof of Loss — 90 days

Legal Action — not until 60 days after proof; generally within 3 years 

COBRA & Cal-COBRA

The guide distinguishes:

Federal COBRA

Generally applies to employers with 20+ employees.

California Cal-COBRA

The guide describes California continuation rules as extending to employers with:

2–19 Employees

and potentially allowing up to:

36 Months Total Continuation

depending on circumstances. 

That is another California-specific distinction worth memorizing.

Medicare, Medigap & Medi-Cal

The guide reviews:

Medicare Part A

Medicare Part B

Medicare Advantage / Part C

Part D

Medigap

Medi-Cal

Social Security

California-specific Medigap material includes a 30-day free-look period and state-specific consumer protections.

Medi-Cal is identified as California’s Medicaid program, administered by the California Department of Health Care Services. California_Life_Accident_Health…

California Insurance Code — A Major Focus

This is where the product clearly separates itself from generic national study material.

The guide contains dedicated California Insurance Code sections covering:

CDI structure

Commissioner authority

Licensing

Unfair practices

Fraud penalties

Replacement

Illustrations

Viatical settlements

Senior protections

IIPPA

Medicare Supplement

LTC

Group health

COBRA

HIPAA

and more. 

CLHIGA Limits

Candidates should know the California Life and Health Insurance Guarantee Association limits used in the guide.

The guide highlights:

$300,000 — Life Insurance Death Benefit

$100,000 — Life Cash Surrender Value

$250,000 — Annuity Present Value

$500,000 — Basic Hospital / Medical Coverage

$300,000 — Aggregate Per Life

subject to the higher health coverage provision described in the material. 

These figures also appear in the guide’s final review section as numbers worth memorizing before exam day.

California Senior Protections

The guide contains several state-specific protections affecting older consumers.

Examples include:

30-day annuity free-look for customers age 60+

Senior-market suitability concepts

Special solicitation protections

Replacement requirements

The guide specifically calls out California’s use of age 60 for certain annuity senior protections. 

California IIPPA Privacy Rules

The Insurance Information and Privacy Protection Act — IIPPA is another state-specific subject.

The guide cites:

CIC §§791–791.27

and treats California IIPPA as a major privacy topic candidates should distinguish from federal HIPAA.

The practice material tests, among other things, the timing for responding to requests for access to personal information. 

California Continuing Education & Anti-Fraud

The guide states that licensees renew every two years and complete:

24 Hours of Continuing Education

including:

3 Hours Ethics

1 Hour Anti-Fraud

The anti-fraud component is highlighted as part of the guide’s 2026 California update. 

50 California Life & Health Practice Questions

After reviewing the material, test yourself with:

The guide deliberately weights the practice set to mirror its exam-content framework:

15 — General Insurance

12 — Life Insurance

13 — Health Insurance

10 — California-Specific

The guide recommends completing the questions under a 65-minute timer before checking the answer section. California_Life_Accident_Health…

Detailed Explanations + CIC Citations

You don’t get an answer sheet containing nothing more than:

1. A
2. C
3. B...

The guide contains detailed explanations designed to reinforce the underlying rule—even for questions answered correctly.

California-specific explanations cite the relevant statutes or code concepts where applicable.

Examples reviewed in the explanations include:

CIC §332 — Utmost Good Faith

CIC §1631 — No Life Solicitor License

CIC §10127.10 — Senior Annuity Free Look

CIC §10192.11 — Medigap Birthday Rule

CIC §§791–791.27 — IIPPA

CIC §1729 — Reporting Changes

and others.

Who Is This California Study Guide For?

This instant-download guide is designed for:

• California Life & Health insurance license candidates

• California Life, Accident & Health or Sickness exam candidates

• First-time PSI test takers

• Candidates completing California pre-licensing

• Life insurance agents

• Health insurance agents

• Medicare agents

• Final expense agents

• Annuity producers

• Long-Term Care producers

• Financial-services professionals

• Candidates retaking the California exam

• Candidates needing additional California Insurance Code review

It is especially useful as a final-review supplement after completing required California pre-licensing education.

CALIFORNIA LIFE, ACCIDENT, HEALTH & SICKNESS EXAM STUDY GUIDE 2026

✓ 47-page instant PDF
✓ California-specific preparation
✓ General insurance concepts
✓ Life insurance
✓ Life riders & provisions
✓ Annuities
✓ Retirement concepts
✓ Health insurance
✓ Disability insurance
✓ Long-Term Care
✓ Medicare & Medigap
✓ Medi-Cal
✓ Social Security
✓ Uniform health provisions
✓ California Insurance Code
✓ CLHIGA limits
✓ IIPPA privacy law
✓ Replacement rules
✓ Senior protections
✓ Cal-COBRA
✓ LTC training requirements
✓ Annuity training requirements
✓ Anti-fraud compliance
✓ 50 practice questions
✓ Detailed answer explanations
✓ CIC statutory citations
✓ Final exam-day checklist

Don’t prepare for a California licensing exam using a study guide built only around national insurance concepts.

CALIFORNIA LIFE, ACCIDENT, HEALTH & SICKNESS EXAM STUDY GUIDE 2026

CDI + PSI Exam Preparation

Life • Health • Annuities • Medicare • California Insurance Code

INSTANT DOWNLOAD — $19.97

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