CALIFORNIA LIFE ACCIDENT HEALTH
INSURANCE CERTIFICATION TEST PAPER
2026 FULL QUESTIONS AND PRECISE
CORRECT ANSWERS GRADED A+
⩥ A morale hazard. Answer: a careless person.
⩥ A peril. Answer: is a cause of loss
⩥ Pure risk. Answer: is insurable & includes only a chance of loss.
⩥ The highest premium. Answer: would be found with a substandard
risk classification.
⩥ Agent commissions. Answer: are an insurer expense
⩥ "Insurance". Answer: is a contract that transfers risk from one party to
another.
⩥ An "insurance policy". Answer: is a written contract
,⩥ Neglect to communicate that which a party knows is "concealment".
Answer: may cause the injured party
to rescind the policy
⩥ "Materiality". Answer: is determined solely by the probable and
reasonable influence of the facts upon the part
to whom the communication is due
⩥ The "materiality of concealment". Answer: is the rule used to
determine the importance of the
misrepresentation.
⩥ An insurance policy. Answer: must specify the parties between whom
the contract is made
⩥ The financial rating of an insurer. Answer: is not required to be
included in the insurance policy
⩥ In a direct response marketing system. Answer: the mail and/or
internet is used to sell policies, not agents
⩥ An insurance broker is a person who. Answer: for compensation and
on behalf of another person, transacts
insurance.
, ⩥ An insurance agent is a person who. Answer: for compensation,
transacts insurance for the insurer.
⩥ An insurance solicitor. Answer: is a person employed by an insurance
agent or broker to aid in insurance
transactions
⩥ A person can always use their legal name. Answer: to transact
insurance
⩥ The state may disapprove the use of any true or fictitious name
except. Answer: a person's legal name
⩥ An insurance agent or broker hires a third party to prepare their
website. Answer: The insurance agent or
broker, not the third party, is responsible for the content of the website.
⩥ An admitted insurer. Answer: is an insurer entitled to transact business
in this state
⩥ A mutual insurer. Answer: is owned by the policyholders and issues
participating policies
INSURANCE CERTIFICATION TEST PAPER
2026 FULL QUESTIONS AND PRECISE
CORRECT ANSWERS GRADED A+
⩥ A morale hazard. Answer: a careless person.
⩥ A peril. Answer: is a cause of loss
⩥ Pure risk. Answer: is insurable & includes only a chance of loss.
⩥ The highest premium. Answer: would be found with a substandard
risk classification.
⩥ Agent commissions. Answer: are an insurer expense
⩥ "Insurance". Answer: is a contract that transfers risk from one party to
another.
⩥ An "insurance policy". Answer: is a written contract
,⩥ Neglect to communicate that which a party knows is "concealment".
Answer: may cause the injured party
to rescind the policy
⩥ "Materiality". Answer: is determined solely by the probable and
reasonable influence of the facts upon the part
to whom the communication is due
⩥ The "materiality of concealment". Answer: is the rule used to
determine the importance of the
misrepresentation.
⩥ An insurance policy. Answer: must specify the parties between whom
the contract is made
⩥ The financial rating of an insurer. Answer: is not required to be
included in the insurance policy
⩥ In a direct response marketing system. Answer: the mail and/or
internet is used to sell policies, not agents
⩥ An insurance broker is a person who. Answer: for compensation and
on behalf of another person, transacts
insurance.
, ⩥ An insurance agent is a person who. Answer: for compensation,
transacts insurance for the insurer.
⩥ An insurance solicitor. Answer: is a person employed by an insurance
agent or broker to aid in insurance
transactions
⩥ A person can always use their legal name. Answer: to transact
insurance
⩥ The state may disapprove the use of any true or fictitious name
except. Answer: a person's legal name
⩥ An insurance agent or broker hires a third party to prepare their
website. Answer: The insurance agent or
broker, not the third party, is responsible for the content of the website.
⩥ An admitted insurer. Answer: is an insurer entitled to transact business
in this state
⩥ A mutual insurer. Answer: is owned by the policyholders and issues
participating policies
