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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

1. Risk can be defined as all of the following EXCEPT

A) the chance of loss.
B) the cause of loss.
C) the probability of an unexpected outcome.
D) uncertainty.

2. Which of the following is NOT a characteristic of a contributory group insurance plan?

A) The employer pays a portion of the cost.
B) The member pays a portion of the cost.
C) The member pays all of the cost.
D) The policy owner pays all of the cost.

3. A condition that may increase the chance of a loss arising from a given cause of loss is a

A) hazard.
B) peril.
C) deviation.
D) risk.

4. In long-term care policies, which of the following is an activity of daily living?

A) Working
B) Breathing
C) Bathing
D) Driving

5. What Medicare coverage automatically begins at age 65?

A) Part B
B) Part D
C) Part C
D) Part A

Solutions: