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

1. According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

A) The employer.
B) The licensee.
C) The insurer.
D) The Commissioner.

2. A situation in which there is a possibility of a loss or a gain is a

A) speculative risk.
B) fundamental risk.
C) particular risk.
D) pure risk.

3. What factor supports the principle of indemnity?

A) Utmost good faith.
B) Reasonable expectations.
C) Contract of adhesion.
D) Insurable interest.

4. Which health insurance contract provision addresses the problem of over insurance?

A) Assignment of benefits.
B) Coordination of benefits.
C) Incontestability.
D) Reinstatement.

5. An emergency medical technician can return to gainful employment as a telephone solicitor and continue to collect disability under which clause of a disability policy?

A) Partial payment.
B) Work indemnity.
C) Recovery period.
D) Own occupation.

Solutions: