Free 20-question diagnostic for the California Life, Accident and Health exam, scored by section with the reasoning behind every answer.
Start the free diagnosticCalifornia runs its own rules on points the national material gets wrong. Individual life policies must give a grace period of at least 60 days, and a lapse notice must go out at least 30 days before termination (California Insurance Code § 10113.71). Buyers aged 60 and older get a 30-day free look on life policies and annuities (§ 10127.10).
The Insurance Code also defines contract terms by statute — concealment, representation and the policy itself — and the exam asks about those definitions directly.
California life and accident and health agents complete 24 hours of continuing education each two-year term, including three hours of ethics, one of which must cover insurance fraud.
Four questions from the Retake Plan bank. Open each one to see the answer and the reasoning.
Answer: A. 60 days from the premium due date California Insurance Code § 10113.71 requires at least 60 days — about twice the 31 days candidates remember from other states and national material. The same section requires lapse notices, so a missed premium does not silently end coverage.
Answer: B. 30 days of receipt Thirty days, and the policy must carry a notice saying so in terms the statute prescribes. This is one of California's strongest consumer protections and a reliable exam item.
Answer: D. Rescind the contract, whether the concealment was intentional or unintentional California is notably strict here: rescission is available whether or not the concealment was deliberate. Candidates who assume intent is required get this wrong, because in many contexts it would be.
Answer: D. 60 years of age or older on the date of purchase Sixty, not sixty-five. Candidates default to sixty-five because of Medicare, and the statute does not follow that instinct.
See which sections are costing you points. Twenty questions, about eight minutes, scored by section — free, no signup to start.
Start the free diagnostic60%, lower than the 70% used by most other states.
At least 60 days from the premium due date, under California Insurance Code § 10113.71.
Buyers aged 60 or older on the date of purchase, for individual life policies and annuities (§ 10127.10).
Sources: California Insurance Code §§ 10113.71, 10127.10, 330–331, 380; California Department of Insurance, continuing education requirements. Retake Plan is an independent study resource, not affiliated with any state insurance department, Pearson VUE or PSI.