California Department of Insurance CA Life, Accident and Health or Sickness Examination : CA-Life-Accident-and-Health

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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

1. What would we call a representation which fails to correspond with its stipulations or assertions?

A) Fatal
B) Frivolous
C) False
D) Fraud

2. Which of the following is a common business use for life insurance?

A) Creating an immediate estate.
B) Helping to fund a person's retirement.
C) Key person policy.
D) Creating emergency funds to avoid the need to liquidate assets.

3. The guaranteed insurability option provides the ability to

A) purchase additional insurance regardless of insurability.
B) access a portion of the death benefit in the event of serious illness.
C) double the amount of the death benefit in the event of accidental death.
D) waive premium payments in the event of disability.

4. Insurer policy expenses include all of the following EXCEPT

A) home office operations.
B) agent commissions.
C) taxes.
D) premiums.

5. A condition that may increase the chance of a loss arising from a given cause of loss is a

A) deviation.
B) peril.
C) risk.
D) hazard.

Solutions: