10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The CA-LAHS exam has 150 questions and runs 3 hours.
These 10 free CA-LAHS questions are organized by exam domain, so you can see how each part of the California Life, Accident & Health or Sickness Insurance Exam blueprint is tested. Reveal the answer and explanation under each question.
A life agent initiates a first in-home appointment with a 67-year-old prospect to discuss insurance, but the meeting is only 12 hours away. No exception applies, and the agent has not disclosed the meeting's purpose or attendees. What is the most compliant response?
Correct answer: B - Give the required disclosure now and reschedule for at least 24 hours later
A producer accurately describes a new policy but recommends financing it with a large loan from the client's existing cash-value policy. The new contract offers no demonstrable consumer benefit, and the producer does not rely on a false comparison. Which unfair sales practice is most directly implicated?
Correct answer: C - Churning
A family identifies $720,000 in mortgage, education, final-expense, and income-replacement needs. It has $90,000 in liquid assets and $140,000 of existing life insurance earmarked for those needs. The family also owns a $250,000 home it intends to keep. Under the needs approach, what additional coverage is indicated?
Correct answer: D - $490,000
An indexed universal life policy has a 0% index-crediting floor. After a negative index year, the statement shows a 0% index credit but a lower account value. No withdrawals or loans occurred. The most accurate explanation is:
Correct answer: A - The floor blocks a negative index credit, but mortality and expense charges can still reduce account value
An employee's group life coverage ends when employment terminates. On day 25, the employee applies to convert the eligible amount; a serious diagnosis was made after termination. What conversion right generally applies?
Correct answer: C - An individual permanent policy at attained-age rates without new evidence of insurability
A whole life policy provides a 30-day grace period. The insured dies 12 days after a premium due date, and no other policy debt exists. How should the insurer settle the claim?
Correct answer: B - Pay the death benefit less the overdue premium
An insured names three adult children as equal primary beneficiaries, per stirpes. One child dies before the insured, leaving two children of their own; the other two named children survive. How are the proceeds distributed?
Correct answer: D - Each surviving child receives one-third, and the two grandchildren split the remaining one-third
A 72-year-old retiree has no debt, six years of living expenses in liquid reserves, low risk tolerance, and a stated goal of converting part of her savings into income she cannot outlive. Which recommendation best fits those facts?
Correct answer: A - Use a fixed immediate life annuity for the portion not needed for liquidity
A 48-year-old owner takes a partial withdrawal from a modified endowment contract. The contract has gain, and no penalty exception applies. How is the distribution generally treated for federal tax purposes?
Correct answer: C - Gain first, with the taxable amount generally subject to a 10% additional tax
On Tuesday, a replacing insurer's home office receives a complete annuity application and signed replacement notice. No holiday intervenes. Which action satisfies California replacement procedure?
Correct answer: B - Send the required notice and materials to the existing insurer by Friday
The CA-LAHS exam also covers these domains. Drill them in the full free practice test:
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