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CA • L&H

California Life & Health Insurance Exam — Practice Test & Study Guide

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

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Questions
100
scored items
Time limit
120 min
CDI format
Passing score
70%
raw or scaled
Pre-licensing
52h
required in CA

Exam content outline

From the official CDI L&H content outline. Mock exams sample at these weights.

SectionWeight≈ Questions
National-LH-I Life Policy Types15%15
National-LH-II Life Policy Riders, Provisions, Options, Exclusions15%15
National-LH-III Application, Underwriting, Delivery12%12
National-LH-IV Retirement & Other Insurance Concepts8%8
National-LH-V Health Policy Types16%16
National-LH-VI Health Policy Provisions, Clauses, Riders15%15
National-LH-VII Social Insurance6%6
National-LH-VIII Other Health Insurance Concepts5%5
National-LH-IX Field Underwriting Procedures8%8

Sample questions

Items from our L&H bank, aligned to the CA CDI outline — see the difficulty and explanation depth.

Q1 • CA-LH-VI Health Provisions Continuation Appealsmedium

Under H&S Code § 1262.5 and 28 CCR § 1300.74.16, what is a California Knox-Keene plan's obligation when an enrollee is being discharged from an acute-care hospital with continuing care needs?

AThe plan must provide a written discharge plan in the enrollee's threshold language identifying post-discharge services, including authorization for home health, skilled nursing, or DME as needed
BThe discharging hospital alone bears full responsibility for all discharge planning, and the health plan has no coordinating role whatsoever until the enrollee later submits a written post-discharge claim for out-of-pocket reimbursement
CThe plan may delay authorization of post-discharge services for up to 14 days while it conducts retrospective utilization review of the admission
DDischarge planning is required only for Medicare Advantage enrollees and not for commercial members of the same Knox-Keene plan
Why

Plans must furnish a written, language-appropriate discharge plan with timely authorization of post-discharge services.

Q2 • CA-LH-VI Health Provisions Continuation Appealseasy

A California individual disability insurance policyholder cancels her policy mid-term. Under Ins. Code § 10350.6 and 10 CCR § 2232.7, the insurer must:

ARefund the unearned portion of any prepaid premium on a pro-rata basis within 30 days of termination
BRetain the entire prepaid premium as liquidated damages for the early cancellation of the policy term
CRefund unearned premium using a short-rate calculation that applies a surrender penalty to the consumer
DRefund only the next month's premium, treating all prior prepaid premiums as fully forfeited
Why

Per Ins. Code § 10350.6, unearned premium is refunded pro-rata within 30 days when the insured cancels.

Q3 • CA-LH-VI Health Provisions Continuation Appealsmedium

California's freedom-of-choice statutes (Ins. Code § 10176.5 and H&S Code § 1373) prohibit health plans/insurers from doing what regarding licensed chiropractors and acupuncturists?

ADiscriminating against a covered service solely because a licensed chiropractor or acupuncturist performs it, when the service is within scope of practice and is otherwise a covered benefit
BRequiring any form of copayment, coinsurance, or annual deductible cost-sharing of any kind for chiropractic or acupuncture services that are rendered by a participating provider inside the plan's contracted network
CImposing any annual visit limits on acupuncture services in any circumstance, even where medical necessity is not established
DRequiring prior authorization for chiropractic care at any point during a course of treatment for a covered condition
Why

Plans may not discriminate against in-scope services performed by chiropractors/acupuncturists, but may apply cost-sharing and reasonable limits.

Q4 • CA-LH-VI Health Provisions Continuation Appealsmedium

Under H&S Code § 1367.241 and Ins. Code § 10123.191 (codifying SB 866, 'URACA 2018'), California plans must decide prescription drug prior-authorization (PA) requests within what timeframes for non-urgent and urgent requests, respectively?

A72 hours for non-urgent requests; 24 hours for urgent requests involving exigent circumstances
B5 business days for non-urgent requests; 72 hours for urgent requests involving an imminent health threat
C30 days for non-urgent requests; 5 business days for urgent requests with documented exigency
DNo statutory time limit at all; plans are free to set their own internal PA decision timelines
Why

PA decisions: 72 hours non-urgent; 24 hours urgent. Auto-approval if plan misses deadline.

Q5 • CA-LH-VII Senior Medigap LTC Partnershipmedium

A California insurer issues a hybrid life-LTC combination policy (life insurance with an accelerated LTC rider). The insured triggers LTC benefits and the insurer pays $40,000 in LTC acceleration. Under California consumer-protection rules for combination products, how is the remaining death benefit treated?

AThe death benefit is unaffected because LTC acceleration and the death benefit are paid from entirely separate, independently funded contractual buckets
BThe death benefit is reduced dollar-for-dollar or by a disclosed proportional formula, and the reduction must be disclosed at issue
CThe entire policy terminates and all coverage lapses once any amount of LTC acceleration is paid out to the insured
DThe insurer may at its sole discretion decide after the fact whether or not to reduce the remaining death benefit
Why

Accelerated LTC benefits reduce the death benefit per the disclosed formula in the outline of coverage.

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California state law module

State-specific laws and regulations make up 10–20% of the CA L&H exam. Our markdown-based state-law module walks through what CDI actually tests.

Read CA L&H state law

California L&H Exam FAQ

How many questions are on the CA L&H exam?

The California Life & Health licensing exam has 100 scored questions plus a few unscored pretest items. You have 120 minutes to complete it.

What's the passing score for CA L&H?

70% is the passing score in California, calculated against the scored question count. CDI reports results immediately at the test center.

How long should I study for the CA L&H exam?

Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the California L&H exam?

CDI contracts with major proctored-exam vendors. Check the California Department of Insurance website for an up-to-date list of test centers in California.

Are these practice questions matched to the CA outline?

Yes — we follow the CDI content outline section by section, and our CA L&H bank includes 507 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.

How much does EstatePass cost? Do I need a separate plan for L&H?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.