Real exam format
Questions structured like the live PSI exam, so test day feels familiar – not foreign.
★★★★★ 4.9 from 10,000+ CA candidates
Pass the California
Life & Health Exam.
First try.
Free practice questions that mirror the real PSI exam – plus 1-on-1 expert support with a pay-after-pass guarantee!
Pay only after you pass
Real PSI format
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PASSED
California Insurance Code
Under California insurance law, the free-look period for a life insurance policy is:
A 10 days from policy delivery
B 15 days from policy delivery
C 30 days from policy delivery
D 60 days from policy delivery
Est. score 92%
Passing
98%
pass on the
first attempt
first attempt
PSI Exam Format
Pay After You Pass
12,000+ Candidates Helped
4.9 / 5 Average Rating
Life + Health Sections
Pass on the First Attempt
0+
CA candidates helped
0%
First-attempt pass rate
0/5
Average student rating
$0
Until you pass
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California Life, Accident & Health Question Sets
Choose a study mode below – all 500+ Questions are completely free. Practice with instant answer explanations, or take a timed, exam-style test.
Set 01 Free
General Insurance
Insurance fundamentals, risk concepts, policy structure and California insurance code basics.
Start PracticeSet 02 Free
Individual Medical
Individual health insurance plans, medical expense coverage, deductibles and policy provisions.
Start PracticeSet 03 Free
Group & PPACA
Group health plans, the Patient Protection and Affordable Care Act, employer mandates and exchanges.
Start PracticeSet 04 Free
Senior Health
Medicare, Medigap, Medicare Advantage, Medicare Part D and senior health insurance counseling.
Start PracticeSet 05 Free
Disability & LTC
Disability income insurance, long-term care policies, benefit triggers and partnership programs.
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Watch · free walkthrough
California Life, Accident & Health Exam video walkthrough
A full walkthrough of what the exam covers and how to prepare for it.
Dead simple
Pass in 3 simple steps
No guesswork, no risk. Here's exactly how candidates go from studying to licensed.
01
1
Practice 100% free
Fed up paying for practice tests? We're not like the others – every CA L&H question set is completely free. Work through them to see exactly where you stand against the real exam.
02
2
On a tight timeline?
In a hurry to get licensed? Contact us and our experts will fast-track your prep – there's no risk to you, and you only pay after you pass.
03
3
Pass & get licensed
Walk in confident, pass on your first attempt, and start your CA insurance career – and remember, you only pay once you've passed.
Why State Exams Prep
Everything you need to pass – nothing you don't
Pass-or-don't-pay guarantee
All the risk is on us. Practice free, get expert support, and settle up only once you've passed.
$0upfront – pay only after you pass
Answer explanations
Know why each answer is right and the rest are wrong, so weak spots disappear fast.
Full topic coverage
Every domain on the CA L&H outline – national principles and state license law.
1-on-1 coaching
Real humans guide your prep and answer questions whenever you're stuck.
Real results
CA candidates who passed with us
Thousands have used our practice sets and support to get licensed in California – most on their first attempt.
Passed first try
★★★★★
"The practice sets helped me master the tricky annuity and policy provision questions. Walked into the PSI center confident and passed on my first try!"
Kevin W.
San Diego, CA
Passed first try
★★★★★
"As a non-native English speaker, I appreciated the clear and straightforward question format. It matched the real exam perfectly and helped me pass with confidence!"
Priya D.
Fremont, CA
Passed first try
★★★★★
"Already had my P&C license and used State Exams Prep again for Life & Health. Passed both times on my first attempt – this is the only prep resource I trust!"
Miguel R.
Los Angeles, CA
PASS OR
DON'T PAY
DON'T PAY
You only pay after you pass.
That's our entire promise. Practice for free, get expert support, and settle up only once you've passed the California Life, Accident & Health Exam. No upfront fees. No risk. Just results.
Know your exam
Exactly what you'll be tested on
The California Life, Accident and Health Exam is administered by PSI for the California Department of Insurance. It covers life insurance, accident & health insurance, annuities, and California insurance code and ethics.
Level
Life, Accident & Health
State
California
Provider
PSI
Regulator
California Department of Insurance
Life Insurance Policies & California Insurance Code
Term, whole, universal and variable life policies, CA insurance code provisions, and policy structure.
Accident & Health Insurance Fundamentals
Medical expense, disability income, long-term care policies, group plans, and managed care concepts.
Annuities, Policy Provisions & Beneficiaries
Fixed and variable annuities, standard policy provisions, beneficiary designations, and settlement options.
California Ethics, Regulations & Producer Responsibilities
Producer licensing requirements, ethical obligations, unfair practices, replacement rules and California-specific regulations.
Questions, answered
Everything you're wondering
How does "pay only after you pass" work?
Practicing is completely free – all 10 question sets cost you nothing. If you'd like personalized 1-on-1 expert support, just contact us and you settle up only after you've passed your California Life, Accident & Health Exam – no upfront fees, no risk.
What does the CA Life & Health exam cover?
The PSI-administered exam covers life insurance policies, accident and health insurance, annuities, policy provisions, beneficiaries, and California insurance code and ethics.
Do I need pre-licensing education first?
Yes. You must complete the required pre-licensing education hours and submit your application to the California Department of Insurance before scheduling the exam through PSI.
Are the question sets and exams really free?
Yes – completely free, no signup required. You get 10 full sets in total: 5 practice Q&A sets with instant answer explanations, plus 5 timed, exam-style mock exams. They all mirror the real PSI exam so you can gauge your readiness before test day.
Ready to pass the CA
Life & Health Exam?
Start with the free practice sets, or get a personalized pass plan from our experts. Either way, you risk nothing.
Pay only after you pass
98% first-try pass rate
Real PSI format
Pass the CA Life & Health Exam – first try.Free practice · pay only after you pass
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