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California Life Insurance Bundled Exams Questions and Answers 100% Verified and Updated | Graded A
California Life Insurance Bundled Exams Questions and Answers 100% Verified and Updated | Graded A
- Pack
- • 11 éléments •
- CA Life Insurance Exam Questions and Answers 100% Pass • Examen
- California Life-Only Study Guide with 100% Complete Solutions • Examen
- CA Life, Accident, Health Test 100% Correct Solved • Examen
- California Life, Accident, and Health Licensing Exam Questions and Answers 100% Pass • Examen
- Final Exam: California Life, Accident, and Health Insurance Questions and Answers 100% Pass • Examen
- Et plus ….
California Life Insurance Bundled Exams Questions and Answers 100% Verified and Updated | Graded A
CA Life and Health Exam Questions and Answers 100% Pass
CA Life and Health Exam Questions and 
Answers 100% Pass 
What is insurance? - Correct Answer ️️ -Insurance is the legal contract where two 
parties agree that if something will happen, a value will be exchanged. 
What's the difference between pure risk and speculative risk? - Correct Answer ️️ - 
Pure risk is when you'll lose it all or there will be no change. Speculative risk you can 
either win or lose. 
What is peril? - Correct Answer ️️ -peril is the causes of loss insured aga...
- Examen
- • 9 pages •
CA Life and Health Exam Questions and 
Answers 100% Pass 
What is insurance? - Correct Answer ️️ -Insurance is the legal contract where two 
parties agree that if something will happen, a value will be exchanged. 
What's the difference between pure risk and speculative risk? - Correct Answer ️️ - 
Pure risk is when you'll lose it all or there will be no change. Speculative risk you can 
either win or lose. 
What is peril? - Correct Answer ️️ -peril is the causes of loss insured aga...
CALIFORNIA LIFE PRACTICE EXAM A QUESTIONS AND ANSWERS 100% CORRECT
CALIFORNIA LIFE PRACTICE EXAM A QUESTIONS 
AND ANSWERS 100% CORRECT 
AN ANNUITY THAT IS PURCHASED WITH A LUMP SUM PREMIUM AND WHOSE 
BENEFITS BEGIN AFTER 12 MONTHS IS CALLED A - Correct Answer ️️ -SINGLE 
PREMIUM DEFERRED ANNUITY 
A TECHNIQUE USED TO DETERMINE THE AMOUNT OF LIFE INSURANCE 
NEEDED BY FOCUSING ON THE PROJECTED EARNING POTENTIAL OF AN 
INSURED IS CALLED THE - Correct Answer ️️ -HUMAN LIFE VALUE APPROACH 
WHEN REPLACING A POLICY THE PRODUCER MUST PRESENT THE APPLICANT 
WITH ...
- Examen
- • 9 pages •
CALIFORNIA LIFE PRACTICE EXAM A QUESTIONS 
AND ANSWERS 100% CORRECT 
AN ANNUITY THAT IS PURCHASED WITH A LUMP SUM PREMIUM AND WHOSE 
BENEFITS BEGIN AFTER 12 MONTHS IS CALLED A - Correct Answer ️️ -SINGLE 
PREMIUM DEFERRED ANNUITY 
A TECHNIQUE USED TO DETERMINE THE AMOUNT OF LIFE INSURANCE 
NEEDED BY FOCUSING ON THE PROJECTED EARNING POTENTIAL OF AN 
INSURED IS CALLED THE - Correct Answer ️️ -HUMAN LIFE VALUE APPROACH 
WHEN REPLACING A POLICY THE PRODUCER MUST PRESENT THE APPLICANT 
WITH ...
Final Exam - California Life and Health Questions and Answers
Final Exam - California Life and Health 
Questions and Answers 
Employer-provided group term life insurance is exempt from income taxation up to - 
Correct Answer ️️ -$50,000 
Medicare Part B has an initial enrollment period. How many months after an individual's 
65th birthday month does this enrollment period end? - Correct Answer ️️ -3 months 
Which statement is true regarding policy dividends? - Correct Answer ️️ -A dividend 
option is selected by the insured at the time of poli...
- Examen
- • 16 pages •
Final Exam - California Life and Health 
Questions and Answers 
Employer-provided group term life insurance is exempt from income taxation up to - 
Correct Answer ️️ -$50,000 
Medicare Part B has an initial enrollment period. How many months after an individual's 
65th birthday month does this enrollment period end? - Correct Answer ️️ -3 months 
Which statement is true regarding policy dividends? - Correct Answer ️️ -A dividend 
option is selected by the insured at the time of poli...
FInal Exam: California Life, Accident, and Health Insurance Questions and Answers 100% Pass
FInal Exam: California Life, Accident, and Health 
Insurance Questions and Answers 100% Pass 
What distinguishes a deferred annuity from an immediate annuity? - Correct Answer ️️ 
-The time at which benefit payments start 
Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly 
payments for 5 years, Cindy dies. How many remaining payments will the insurer make 
to her beneficiary? - Correct Answer ️️ -60 payments 
What is a common reason people purchase ...
- Examen
- • 17 pages •
FInal Exam: California Life, Accident, and Health 
Insurance Questions and Answers 100% Pass 
What distinguishes a deferred annuity from an immediate annuity? - Correct Answer ️️ 
-The time at which benefit payments start 
Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly 
payments for 5 years, Cindy dies. How many remaining payments will the insurer make 
to her beneficiary? - Correct Answer ️️ -60 payments 
What is a common reason people purchase ...
California Life, Accident, and Health Licensing Exam Questions and Answers 100% Pass
California Life, Accident, and Health Licensing 
Exam Questions and Answers 100% Pass 
Co-insurance - Correct Answer ️️ -The policy provision which requires the insurer and 
the insured to share in the cost of services rendered 
Exclusion ratio - Correct Answer ️️ -The formula which is used by the IRS to determine 
how much is taxable to an annuitant during the pay out period. 
Occupational policy - Correct Answer ️️ -When a disability income policy provides 
coverage for injuries wh...
- Package deal
- Examen
- • 56 pages •
California Life, Accident, and Health Licensing 
Exam Questions and Answers 100% Pass 
Co-insurance - Correct Answer ️️ -The policy provision which requires the insurer and 
the insured to share in the cost of services rendered 
Exclusion ratio - Correct Answer ️️ -The formula which is used by the IRS to determine 
how much is taxable to an annuitant during the pay out period. 
Occupational policy - Correct Answer ️️ -When a disability income policy provides 
coverage for injuries wh...
CA Life Insurance Practice Exam Questions and Answers 100% Pass
CA Life Insurance Practice Exam 
Questions and Answers 100% Pass 
A key person is typically all of the following, except: - Correct Answer ️️ --Not directly 
involved in sales, production, or service 
Key persons are employees whose contributions have a significant impact on the 
revenue and profitability of the company, especially in small businesses. They are 
typically: part of the management team, more highly paid, respected by customers, 
creditors, suppliers, and vendors, and have dire...
- Package deal
- Examen
- • 30 pages •
CA Life Insurance Practice Exam 
Questions and Answers 100% Pass 
A key person is typically all of the following, except: - Correct Answer ️️ --Not directly 
involved in sales, production, or service 
Key persons are employees whose contributions have a significant impact on the 
revenue and profitability of the company, especially in small businesses. They are 
typically: part of the management team, more highly paid, respected by customers, 
creditors, suppliers, and vendors, and have dire...
Life and Health License Exam Questions and Answers 100% Pass
Life and Health License Exam Questions and 
Answers 100% Pass 
Only one party makes a legally enforceable promise - Correct Answer ️️ -What is 
meant by referring to an insurance policy as a unilateral contract? 
At all times - Correct Answer ️️ -When must insurance records of insurance agents 
and brokers be made available to the Insurance Commissioner? 
a loss exposure - Correct Answer ️️ -Any situation that presents the possibility of a 
loss is known as 
Personal judgment - Corre...
- Package deal
- Examen
- • 22 pages •
Life and Health License Exam Questions and 
Answers 100% Pass 
Only one party makes a legally enforceable promise - Correct Answer ️️ -What is 
meant by referring to an insurance policy as a unilateral contract? 
At all times - Correct Answer ️️ -When must insurance records of insurance agents 
and brokers be made available to the Insurance Commissioner? 
a loss exposure - Correct Answer ️️ -Any situation that presents the possibility of a 
loss is known as 
Personal judgment - Corre...
Final Exam - California Life Only Questions and Answers 100% Pass
Final Exam - California Life Only 
Questions and Answers 100% Pass 
According to the California Insurance Code, what is "insurance"? - Correct Answer ️️ - 
A contract 
Which of these statements correctly describes risk? - Correct Answer ️️ -Pure risk is 
the only insurable risk 
Only pure risks are insurable 
Which of the following does NOT have to be included on life insurance policy 
illustrations? - Correct Answer ️️ -Statement that all values and benefits are 
guaranteed 
An ag...
- Package deal
- Examen
- • 28 pages •
Final Exam - California Life Only 
Questions and Answers 100% Pass 
According to the California Insurance Code, what is "insurance"? - Correct Answer ️️ - 
A contract 
Which of these statements correctly describes risk? - Correct Answer ️️ -Pure risk is 
the only insurable risk 
Only pure risks are insurable 
Which of the following does NOT have to be included on life insurance policy 
illustrations? - Correct Answer ️️ -Statement that all values and benefits are 
guaranteed 
An ag...
CALIFORNIA LIFE PRACTICE EXAM QUESTIONS AND ANSWERS 100% PASS
CALIFORNIA LIFE PRACTICE EXAM 
QUESTIONS AND ANSWERS 100% PASS 
THE ANNUITY INCOME AMOUNT IS BASED ON WHOSE LIFE? - Correct Answer ️️ 
-ANNUITANT 
AN INJURED PARTY TO A CONTRACT IS ABLE TO RESCIND THE CONTRACT 
FOR - Correct Answer ️️ -UNINTENTIONAL CONCEALMENT 
A WHOLE LIFE POLICY THAT WILL GENERATE IMMEDIATE CASH VALUE IS - 
Correct Answer ️️ -SINGLE PREMIUM 
WHICH STATEMENT IS TRUE REGARDING LONG-TERM CARE TRAINING IN 
CALIFORNIA? - Correct Answer ️️ -TRAINING IS NOT REQUIRED ...
- Package deal
- Examen
- • 9 pages •
CALIFORNIA LIFE PRACTICE EXAM 
QUESTIONS AND ANSWERS 100% PASS 
THE ANNUITY INCOME AMOUNT IS BASED ON WHOSE LIFE? - Correct Answer ️️ 
-ANNUITANT 
AN INJURED PARTY TO A CONTRACT IS ABLE TO RESCIND THE CONTRACT 
FOR - Correct Answer ️️ -UNINTENTIONAL CONCEALMENT 
A WHOLE LIFE POLICY THAT WILL GENERATE IMMEDIATE CASH VALUE IS - 
Correct Answer ️️ -SINGLE PREMIUM 
WHICH STATEMENT IS TRUE REGARDING LONG-TERM CARE TRAINING IN 
CALIFORNIA? - Correct Answer ️️ -TRAINING IS NOT REQUIRED ...
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