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

1. An emergency medical technician can return to gainful employment as a telephone solicitor and continue to collect disability under which clause of a disability policy?

A) Work indemnity.
B) Recovery period.
C) Own occupation.
D) Partial payment.

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

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

3. Which of the following statements regarding risk is TRUE?

A) Only speculative risks are insurable.
B) Neither pure nor speculative risks are insurable.
C) Only pure risks are insurable.
D) Both pure and speculative risks are insurable.

4. For Social Security purposes, a person with 40 quarters of coverage is considered

A) currently insured.
B) conditionally insured.
C) partially insured.
D) fully insured.

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

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

Solutions: