CA L&H
California Life & Health Insurance License Exam
California regulates Life & Health producer licensing through California Department of Insurance (CDI), with the exam delivered by PSI Services LLC. The combined Life & Health exam has 150 questions with a 195 minutes (3h15m) for the combined Life, Accident and Health or Sickness exam; Life-only and Accident & Health or Sickness-only exams are each 105 minutes (1h45m, 75 scored questions) time limit. Passing requires 60% (all Life/Health exam types). California requires 12 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for California, covering national concepts plus California statute, producer duties, and ethics.
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CA L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | California Life & Health Insurance License Exam |
| Governing Body | California Department of Insurance (CDI) |
| Number of Questions | 150 |
| Time Limit | 195 minutes (3h15m) for the combined Life, Accident and Health or Sickness exam; Life-only and Accident & Health or Sickness-only exams are each 105 minutes (1h45m, 75 scored questions) |
| Passing Score | 60% (all Life/Health exam types) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | California Department of Insurance (CDI) official website ↗ |
CA L&H Content Areas and Domains
Domain areas are sourced from the California Department of Insurance (CDI) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ California insurance law and regulations
How C3RT Helps You Pass the CA L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the CA L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real CA L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample CA L&H Practice Questions
Q1.In the state of California, how are disability insurance policies that provide for death benefits regulated regarding discharge and assignment?
- They are exempt from these sections because they are primarily disability products.
- They are governed by separate, exclusive disability-only regulations.
- Only standard life insurance policies follow these specific sections.
- They are subject to the same discharge and assignment rules as life insurance.Correct
California law specifically mandates that any disability policy providing a death benefit must follow the same discharge and assignment rules as life insurance (Sections 10172, 10172.5, and 10173). The other options incorrectly suggest exemptions or different regulatory paths.
Q2.Under California Insurance Code section 10279, what must a disability insurer do when providing telephone medical advice services?
- Obtain a separate license from the Department of Managed Health Care.
- No state regulation exists for these specific services.
- Only federal rules apply to the provision of telephone medical advice.
- Comply with Chapter 15 of Division 2 of the Business and Professions Code.Correct
California Insurance Code section 10279 specifically mandates compliance with Chapter 15 of Division 2 of the Business and Professions Code. The distractors are incorrect because California does have specific state regulations for this service, and federal rules do not supersede these state-specific requirements.
Q3.A disability insurer launches a new telephone medical advice service in California. Which of the following best describes the regulatory requirements for this specific service?
- The service is exempt from state oversight as it is considered a non-insurance advisory.
- Only federal guidelines apply to the provision of remote medical consultations.
- The insurer must comply with Chapter 15 of Division 2 of the Business and Professions Code.Correct
- No specific state regulations exist for telephone-based medical advice services.
California Insurance Code section 10279 specifically mandates compliance with Chapter 15 of Division 2 of the Business and Professions Code. The other options are incorrect because California does have specific state regulations for this service.
CA L&H Frequently Asked Questions
What does CA L&H stand for?
CA L&H stands for California Life & Health Insurance License Exam. It is administered by California Department of Insurance (CDI).
Who administers the CA L&H?
The California Life & Health Insurance License Exam (CA L&H) is administered by California Department of Insurance (CDI). For official information, visit the California Department of Insurance (CDI) website.
How many questions is the CA L&H?
The CA L&H consists of 150 questions. Candidates are given 195 minutes (3h15m) for the combined Life, Accident and Health or Sickness exam; Life-only and Accident & Health or Sickness-only exams are each 105 minutes (1h45m, 75 scored questions) to complete the exam.
What is the passing score for the CA L&H?
The passing score for the CA L&H is 60% (all Life/Health exam types), as set by California Department of Insurance (CDI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How many questions are on the California Life & Health exam?
The California combined Life & Health exam has 150 scored questions, a 195 minutes (3h15m) for the combined Life, Accident and Health or Sickness exam; Life-only and Accident & Health or Sickness-only exams are each 105 minutes (1h45m, 75 scored questions) time limit. Passing requires 60% (all Life/Health exam types). It is delivered by PSI Services LLC.
Does California require prelicensing education for Life & Health?
Yes. California requires 12 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a California-approved provider.
What score do I need to pass the California Life & Health exam?
California requires 60% (all Life/Health exam types) on the Life & Health exam. Confirm the current standard with California Department of Insurance (CDI), since passing standards can change.
Is the Life & Health exam different in California than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but California tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by California Department of Insurance (CDI).
C3RT is a native iOS and macOS exam preparation platform covering the California Life & Health Insurance License Exam (CA L&H), a Insurance Licensing certification, administered by California Department of Insurance (CDI). C3RT is not affiliated with or endorsed by California Department of Insurance (CDI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the California Department of Insurance (CDI) official website ↗ .