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CA Life & Health Insurance License Study Guide | Pass the CA Branch 3 Exam

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A comprehensive study guide for the California Department of Insurance Branch 3 exam. Covers key topics for the Life & Health license, including policy types, state regulations, annuities, and ethics to help you pass on your first try.

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Subido en
11 de noviembre de 2025
Número de páginas
35
Escrito en
2025/2026
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Examen
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age 1 of 35




CA BRANCH 3 TEST STUDY GUIDE 2025/2026

ACCURATE QUESTIONS AND VERIFIED CORRECT

SOLUTIONS WITH RATIONALES || 100%

GUARANTEED PASS <RECENT VERSION>

The Black Polycaon are one of the wood destroying largest

beetles at 1/2 to 1 inch long? True or False

......ANSWER........True


Beetles have a complete life cycle? True or False

......ANSWER........True


A Lyctid beetle is a true powderpost beetle? True or False

......ANSWER........True


Black Polycaons are likely to re-infest? True or False

......ANSWER........False, they do not re-infest

,age 2 of 35




Lyctid beetles attack mostly hardwoods and they do re-infest?

True or False ......ANSWER........True


Lead cable borers attack maple and other hardwoods. They will

also bore through lead sheathing around phone and power

lines? True or False ......ANSWER........True


Name 3 Bostrichidae (False Powderpost Beetles)?

......ANSWER........Lead Cable Borer, Black Polycaon, Bamboo

Borer


Bamboo borers are very damaging to bamboo furniture and will

re-infest? True or False ......ANSWER........True


Deathwatch beetles are known for their mating signal. How do

they do that? ......ANSWER........Strike their head against the

surface they are standing on

,age 3 of 35




Lead Cable Borers do not re-infest? True or False

......ANSWER........False, they do re-infest


Deathwatch beetles attack oak and hardwoods and will re-

infest? True or False ......ANSWER........True


Name two Anobiidae (false powderpost beetles?

......ANSWER........Deathwatch, Furniture Beetle


Furniture beetles will attack coniferous and hardwoods and

prefer new wood instead of old? True or False

......ANSWER........False, prefers old woods to new lumber


If a home has a problem with flat headed borers, you should

fumigate the home because they are likely to reinfest? True or

False ......ANSWER........False, they do not re-infest

, age 4 of 35




New house borers prefer old seasoned wood? True or False

......ANSWER........False, they attack green lumber, likes pines, firs

and especially Douglas fir. Will bore through hardwoods,

plaster, comp. roofing and linoleum to emerge. May be brought

in with new lumber and firewood.


Old house borers prefer new/fresh wood? True or False

......ANSWER........False, attacks seasoned wood. Prefers pine, fir

and spruce. Will attack rustic furniture.


Bark beetles don't really bore through bark to star their tunnels?

True or False ......ANSWER........False, they bore through bark

and work between bark and sapwood and often leave a

scoring mark. Eggs are laid in their tunnels.


If you see wood damaged by a new house borer, it will need to

be treated because they will re-infest? True or False
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