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  2. California
  3. Life, Accident & Health
  4. Life Accident and Health Insurance Basics

Free Life Accident and Health Insurance Basics Practice Questions

California Life, Accident & Health exam (series Life, Accident & Health) — 30 practice questions.

Subtopics: Insurable interest, HIV consent, Genetic information, Personal uses, Determining amount, Business uses, Viatical settlements, Classes of policies, Premium factors, Premium frequency, Producer responsibilities, Policy delivery, Company underwriting, Classification of risks, Legal concepts, Definitions of perils, Types of losses and benefits, Limited health policies, Replacing health insurance, Premium determination

Sample questions & answers

1. In California life insurance, insurable interest must exist:

At the time the contract is made

For life insurance the insurable interest must exist when the contract is made.

2. Before HIV testing for life or disability underwriting in California an insurer must obtain:

Written informed consent

California requires written informed consent before HIV testing for insurance purposes.

3. California prohibits a life or disability insurer from refusing coverage based solely on a person's:

Genetic characteristics

California prohibits adverse underwriting in life and disability insurance based solely on genetic characteristics.

4. Which party automatically has an insurable interest in an applicant's life?

The applicant in their own life, and close family or business partners

A person has insurable interest in their own life and typically in the lives of close family members or business associates.

All Life, Accident & Health topics

Practice: Life Accident and Health Insurance Basics

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Pennsylvania Insurance Department and the exam administrator before relying on it.