1|Page
CALIFORNIA LIFE ACCIDENT AND
HEALTH EXAM PRACTICE Q&A 2026
c
decreasing term rider - correct-answer - sean has a home with a mortgage. he
needs life insurance to protect his family but also wants to leave them without a
mortgage payment if he dies. ideally which of the following riders should he
acquire?
a
family rider
b
increasing term rider
c
decreasing term rider
d
level term rider
,2|Page
a
the insurer refunds it - correct-answer - an insured owns a $50,000 permanent
life policy that she purchased 4 years ago that has a disability waiver of premium.
the insured becomes disabled and pays premiums during the waiting period until
the waiver begins. once the waiver begins, what happens to the premiums she
paid during the waiting period?
a
the insurer refunds it
b
it is added to the policy's cash values
c
it is held in escrow until the disability is over then refunded
d
it is kept by the insurer as part of the cost of providing the benefit
b
permanent - correct-answer - whole life is also known as ________ protection.
,3|Page
a
temporary
b
permanent
c
absolute
d
periodic
a
joint survivorship - correct-answer - all of the following policies end when an
insured dies, except:
a
joint survivorship
b
joint life
c
variable universal life
, 4|Page
d
juvenile life
a
$250,000 - correct-answer - a married couple purchases a $250,000 joint life
policy. when the older of the two dies, what is the amount payable to the
survivor?
a
$250,000
b
zero
c
$500,000
d
$125,000
d
CALIFORNIA LIFE ACCIDENT AND
HEALTH EXAM PRACTICE Q&A 2026
c
decreasing term rider - correct-answer - sean has a home with a mortgage. he
needs life insurance to protect his family but also wants to leave them without a
mortgage payment if he dies. ideally which of the following riders should he
acquire?
a
family rider
b
increasing term rider
c
decreasing term rider
d
level term rider
,2|Page
a
the insurer refunds it - correct-answer - an insured owns a $50,000 permanent
life policy that she purchased 4 years ago that has a disability waiver of premium.
the insured becomes disabled and pays premiums during the waiting period until
the waiver begins. once the waiver begins, what happens to the premiums she
paid during the waiting period?
a
the insurer refunds it
b
it is added to the policy's cash values
c
it is held in escrow until the disability is over then refunded
d
it is kept by the insurer as part of the cost of providing the benefit
b
permanent - correct-answer - whole life is also known as ________ protection.
,3|Page
a
temporary
b
permanent
c
absolute
d
periodic
a
joint survivorship - correct-answer - all of the following policies end when an
insured dies, except:
a
joint survivorship
b
joint life
c
variable universal life
, 4|Page
d
juvenile life
a
$250,000 - correct-answer - a married couple purchases a $250,000 joint life
policy. when the older of the two dies, what is the amount payable to the
survivor?
a
$250,000
b
zero
c
$500,000
d
$125,000
d
