California Life, Accident & Health Insurance Exam Prep Course

Prepare for the combined California Life, Accident & Health insurance licensing examination with a comprehensive study program built directly from the official California Department of Insurance Life License Examination Objectives and Accident and Health or Sickness License Examination Objectives. This course provides in-depth preparation on California insurance laws, regulations, policy provisions, and life, medical expense, disability income, and long-term care insurance concepts that national-only study materials often do not address.

Designed for real insurance professionals, not just test-takers, the course emphasizes understanding how California insurance works so you're prepared not only for the licensing examination, but also for success in practice.

Course Topics

Because the California Department of Insurance publishes separate Life and Accident and Health or Sickness examination objectives, the course begins with a shared General Insurance Foundation and then divides the remaining material into two parts.

General Insurance Foundation

Exam Section I: General Insurance

• Basic Insurance Concepts and Principles
• Contract Law
• The Insurance Marketplace

Part I: Life Insurance

Exam Section II: Life Insurance

• Life Insurance Basics
• Types of Life Policies
• Annuities
• Life Insurance and Annuities Policy Replacement and Cancellation
• The Individual Life Insurance Contract
• Taxation of Life Insurance and Annuities
• Group Life Insurance Plans
• Social Security Disability Program
• Individual Underwriting, Pricing, and Claims

Exam Section III: Life Policy Riders

Part II: Accident & Health Insurance

Exam Section II: General Concepts of Medical and Disability Insurance

• General Concepts

Exam Section III: Medical Expense Insurance

• Individual Medical Insurance
• Group Medical Expense Insurance
• Patient Protection and Affordable Care Act
• Senior Health Products

Exam Section IV: Disability Income Insurance

• Individual Disability Income Insurance Underwriting, Pricing, and Claims

Exam Section V: Long-Term Care Insurance

• Long-Term Care Insurance

Course Structure

The course begins with the General Insurance material shared by both California examination objective outlines. Presenting this content once provides a common foundation without requiring candidates to repeat identical instruction.

The Life and Accident & Health material is then organized into focused exam sections that provide a complete study path for the combined California Life, Accident & Health licensing examination. Each exam section includes concise reading material and Practice Questions to reinforce key concepts and identify areas for additional review.

Part I concludes with the Life Insurance Review Exam, and Part II concludes with the Accident & Health Insurance Review Exam. These subject-area reviews allow you to evaluate your understanding of each portion of the course before applying the material together in the final simulation.

The course concludes with a timed California Life, Accident & Health State Exam Simulation featuring 150 multiple-choice questions and a 195-minute time limit. Designed to reflect the format and pacing of the combined California licensing examination, the simulation provides an opportunity to evaluate your readiness before exam day.

Because California's licensing examination places significant emphasis on California-specific insurance laws, regulations, ethics, policy provisions, and consumer protections, this course focuses on the state-specific knowledge expected by the California Department of Insurance. The course structure is based on the current Life and Accident and Health or Sickness examination objectives published by CDI.

This course is intended as an exam preparation and study resource. Candidates are encouraged to use it alongside additional study tools and practice exams as part of their overall exam preparation strategy.