General insurance principles
Both exams · ~8%Covered
Risk, insurable interest, agent vs broker, how insurers price and underwrite.
01 Life Insurance Fundamentals50 questions available
State — California Department of Insurance
What your 340 questions cover.
Switch states with the picker in the header. Below is every outline section for your state, matched to the deck that teaches it, plus the gaps you should fill from your course text.
Life, Accident & Health or Sickness (combined) · 150 questions · 180 min · 60% to passLife (life-only) · 75 questions · 90 min · 60% to passAccident & Health or Sickness · 75 questions · 90 min · 60% to pass
Verified September 2026CDI + PSI ↗PSI adds 5 to 10 unscored experimental questions on top of the published count, with extra time allowed.
Outline sections fully covered
80%
12 covered · 2 partial · 1 not covered
Life insurance basics
Life content · ~12%Covered
Policy parties, needs analysis, premium factors and the underwriting steps.
01 Life Insurance Fundamentals50 questions available
Life policies and provisions
Life content · ~20%Covered
Term, whole, universal and variable life plus the standard contract clauses.
02 Life Policies, Provisions & Riders50 questions available
Policy riders, options and dividends
Life content · ~10%Covered
Waiver of premium, accidental death, nonforfeiture and settlement options.
02 Life Policies, Provisions & Riders50 questions available
Annuities
Life content · ~12%Covered
Fixed, indexed and variable contracts, accumulation vs payout, payout choices.
05 Annuities & Retirement50 questions available
Federal tax considerations
Both exams · ~8%Covered
Death benefit and cash value taxation, MEC rules, qualified plans, HSAs.
Health insurance basics
Health content · ~12%Covered
Deductibles, coinsurance, out-of-pocket limits and how a claim gets paid.
03 Health Insurance Basics50 questions available
Individual health policy provisions
Health content · ~10%Covered
Required and optional provisions, pre-existing conditions, renewability.
03 Health Insurance Basics50 questions available
Disability income and related insurance
Health content · ~10%Covered
Elimination periods, benefit periods, own vs any occupation, business coverage.
Medical expense plans (HMO, PPO, EPO, POS)
Health content · ~12%Covered
Network rules, referrals, ACA essentials and cost-sharing comparisons.
04 Health Plans & Coverages50 questions available
Group health and employer coverage
Health content · ~8%Covered
Eligibility, contributory vs noncontributory, COBRA and Cal-COBRA basics.
04 Health Plans & Coverages50 questions available
Insurance for senior citizens (Medicare, Medigap, LTC)
Health content · ~10%Partly covered
Medicare Parts A–D and Medicaid are covered. Long-term care benefit triggers and California's LTC and Medigap suitability standards are thin here — read those in the CDI outline.
04 Health Plans & Coverages50 questions available
Ethics, fair practices and agent duties
Both exams · ~10%Covered
Unfair trade practices, misrepresentation, twisting, rebating, fiduciary duty.
06 Regulation, Ethics & Taxes50 questions available
California Insurance Code and licensing rules
Both exams · ~15%Partly covered
General state-regulation concepts are covered, but California specifics — license expiration on the month of issuance, the 30-day senior free look, the 20-day conservation window, and CIC citations — are not. Study these directly from the CDI outline.
06 Regulation, Ethics & Taxes50 questions available
Dental, vision and limited benefit plans
Health content · ~3%Not covered
Not covered by the 300 questions. Small slice of the exam — learn the basics from your course text.
No deck teaches this section yet.
Fill these state-specific gaps before exam day
- • California licence terms and the 24 hours of continuing education per two-year term, including 3 hours of ethics.
- • The free look of at least 30 days on policies and annuities sold to applicants 65 and older.
- • Replacement notice duties and the conservation period for the existing insurer.
- • The elected Insurance Commissioner's powers, hearings and penalties.
- • Long-term care benefit triggers and partnership-plan rules.
- • Medigap standardized plans and the state's suitability standards.
- • Dental, vision and other limited benefit plans.
The official topic weights, question counts and required readings are on the state syllabus page. Always confirm against the current outline from the California Department of Insurance before you schedule your exam.