Learn the core concepts
Work through clear Life & Health lessons before you add state-specific details.
California Life & Health exam prep
Prepare for your California Life & Health exam with a clear plan.
Build the national insurance foundation first, then focus on the reviewed California rules for your exam.
California-specific study guideSources reviewed July 24, 2026Independent exam-prep provider
A clearer way to study
Learn the national rules first. Then make California rules easier to recognize.
National Life & Health concepts explain the foundation. This guide keeps California rules separate, so you can see when a question is testing a state rule instead of a general insurance principle.
Explore national Life & Health prepReview your state rules
Study the 20 reviewed California rules in the State Law Pack.
Practice with purpose
Use quizzes and review to turn missed questions into a focused next step.
Check the source
Open the official source links whenever you want to verify the regulatory context.
State rule focus
What to focus on for California.
These are the reviewed topics in the California State Law Pack. They help you keep your state work organized without mixing it into national insurance rules.
Producer conduct
Producer duties, application honesty, and compliant sales activity.
Unfair trade practices
Misrepresentation, rebating, twisting, misleading advertising, and unfair sales practices.
Replacement and suitability
Life and annuity replacement duties, annuity suitability, best-interest, and training rules.
Advertising and sales communications
Life, annuity, and health sales communications and disclosure rules.
Life insurance state rules
State-specific life, annuity, illustration, and product authority rules.
Health insurance state rules
State-specific accident and health, disability, LTC, CE, and health-product rules.
Exam details
Details from the listed official source.
Exam formats can change. Confirm current scheduling, registration, and scoring information directly with the official source before you book.
Exam provider
California Department of Insurance / PSI Services LLC
Questions
150
Time allowed
180 minutes
Passing score
60%
California sources
Sources you can check.
We keep this guide available only while its sources and review date are current. Open a source below to see the material behind the guide.
California Department of Insurance Life and Accident and Health Licensing Education InformationCalifornia Department of InsuranceCalifornia Department of Insurance Continuing Education FAQCalifornia Department of InsuranceCalifornia Life Agent and Accident and Health or Sickness FAQCalifornia Department of InsuranceCalifornia Ethics Continuing Education RequirementCalifornia Department of InsuranceCalifornia Resident Continuing Education Course MaterialsCalifornia Department of InsuranceCalifornia 2025 Life Insurance Policies Four-Hour Course OutlineCalifornia Department of Insurance
Ready to build your study plan?
Start with a free preview, select California as your testing state, and study national topics before your state-specific rules.
This guide is educational and is not legal or licensing advice. Confirm current requirements with the California insurance regulator and the relevant exam provider before scheduling your exam.