Pagev1vofv175
CALIFORNIA LIFE, ACCIDENT AND
HEALTH CRAM COURSE FINAL EXAM
2025/2026 BANK ACTUAL QUESTIONS WITH
DETAILED ANSWERS WITH STUDY GUIDE
EXPERT VERIFIED FOR GUARANTEED
PASS/ALREADY GRADED A+
Which of the following statements can always be made by an agent du
v v v v v v v v v v v v
ring a tax qualified Long Term Care insurance policy presentation: -
v v v v v v v v v v
v ..........ANSWER.......The plan may receive federal and state tax adv
v v v v v v v v
antages
As used in the California Insurance Code the use of the word "may" is:
v v v v v v v v v v v v v v
- ..........ANSWER.......Permissive
v
Which of the following statements can always be made by an agent du
v v v v v v v v v v v v
ring a tax qualified Long Term Care insurance policy presentation: -
v v v v v v v v v v
..........ANSWER.......The plan may receive federal and state tax adv
v v v v v v v v v
antages
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When an insurer wants to have the applicant complete an HIV test, the
v v v v v v v v v v v v
y must do all of the following except: -
v v v v v v v v
..........ANSWER.......Go over a privacy notice
v v v v v
If a whole life policy is being kept in-
v v v v v v v v
force by the Waiver of Premium rider: -
v v v v v v v
v ..........ANSWER.......The cash value will continue to increase as if th v v v v v v v v v
e insured paid the premium
v v v v
The enactment of the Pregnancy Discrimination Act had which of the f
v v v v v v v v v v v
ollowing effects on group health insurance: -
v v v v v v
..........ANSWER.......Pregnancy of an employee must be treated in t
v v v v v v v v v
he same manner as any other health condition
v v v v v v v
Engaging in which of the following avocations will not cause a life insu
v v v v v v v v v v v v
rer to reject or rate-up an applicant: -
v v v v v v v
..........ANSWER.......Roller blading
v v
The provision that applies in group insurance when an insured has co
v v v v v v v v v v v
verage under multiple plans at one time is known as: -
v v v v v v v v v v
..........ANSWER.......Coordination of benefits
v v v
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In Group Health insurance, the period of time that starts when a new e
v v v v v v v v v v v v v
mployee is hired and ends on the date they become eligible for the em
v v v v v v v v v v v v v
ployer's Group Health plan is the: -v v v v v v
..........ANSWER.......Probationary period
v v
Variable annuity premiums may be invested in all of the following EX
v v v v v v v v v v v
CEPT: - ..........ANSWER.......Agent's interest bearing trust account
v v v v v v
Before obtaining an HIV test the insurer must do which of the followin
v v v v v v v v v v v v
g: - ..........ANSWER.......Have the applicant sign a consent form
v v v v v v v v
HMOs are required to cover all of the following except: -
v v v v v v v v v v
..........ANSWER.......Prescription drugs
v v
At what point in time may a representation be altered or withdrawn: -
v v v v v v v v v v v v
..........ANSWER.......Prior to the insurance going into effect only
v v v v v v v v
If a corporation uses life insurance to buy shares under a buy-
v v v v v v v v v v v
sell agreement, which of the following is true regarding taxation: -
v v v v v v v v v v
, Pagev4vofv175
v ..........ANSWER.......It is treated as a loss or gain if they are commo v v v v v v v v v v v
n stock
v
All of the following must be disclosed in Internet advertising EXCEPT
v v v v v v v v v v v
an agent's: - ..........ANSWER.......Phone number
v v v v
When the pricing principle is defined in a disability policy by the finan
v v v v v v v v v v v v
cial loss on a certain group of people occurring over a certain period of
v v v v v v v v v v v v v
time it is known as: - ..........ANSWER.......Frequency
v v v v v v v
Dread (Specified) Disease policies covers which of the following: -
v v v v v v v v v
..........ANSWER.......Treatment for one specific disease
v v v v v
Which of the following criteria must be used to classify an injury as ac
v v v v v v v v v v v v v
cidental under a disability income policy? -
v v v v v v
v ..........ANSWER.......The cause of the injury may be intentional, but v v v v v v v v v
the result of the injury must be accidental
v v v v v v v
Which of the following terms used in the California Insurance Code is
v v v v v v v v v v v v
mandatory: - ..........ANSWER.......Shall v v
CALIFORNIA LIFE, ACCIDENT AND
HEALTH CRAM COURSE FINAL EXAM
2025/2026 BANK ACTUAL QUESTIONS WITH
DETAILED ANSWERS WITH STUDY GUIDE
EXPERT VERIFIED FOR GUARANTEED
PASS/ALREADY GRADED A+
Which of the following statements can always be made by an agent du
v v v v v v v v v v v v
ring a tax qualified Long Term Care insurance policy presentation: -
v v v v v v v v v v
v ..........ANSWER.......The plan may receive federal and state tax adv
v v v v v v v v
antages
As used in the California Insurance Code the use of the word "may" is:
v v v v v v v v v v v v v v
- ..........ANSWER.......Permissive
v
Which of the following statements can always be made by an agent du
v v v v v v v v v v v v
ring a tax qualified Long Term Care insurance policy presentation: -
v v v v v v v v v v
..........ANSWER.......The plan may receive federal and state tax adv
v v v v v v v v v
antages
,Pagev2vofv175
When an insurer wants to have the applicant complete an HIV test, the
v v v v v v v v v v v v
y must do all of the following except: -
v v v v v v v v
..........ANSWER.......Go over a privacy notice
v v v v v
If a whole life policy is being kept in-
v v v v v v v v
force by the Waiver of Premium rider: -
v v v v v v v
v ..........ANSWER.......The cash value will continue to increase as if th v v v v v v v v v
e insured paid the premium
v v v v
The enactment of the Pregnancy Discrimination Act had which of the f
v v v v v v v v v v v
ollowing effects on group health insurance: -
v v v v v v
..........ANSWER.......Pregnancy of an employee must be treated in t
v v v v v v v v v
he same manner as any other health condition
v v v v v v v
Engaging in which of the following avocations will not cause a life insu
v v v v v v v v v v v v
rer to reject or rate-up an applicant: -
v v v v v v v
..........ANSWER.......Roller blading
v v
The provision that applies in group insurance when an insured has co
v v v v v v v v v v v
verage under multiple plans at one time is known as: -
v v v v v v v v v v
..........ANSWER.......Coordination of benefits
v v v
,Pagev3vofv175
In Group Health insurance, the period of time that starts when a new e
v v v v v v v v v v v v v
mployee is hired and ends on the date they become eligible for the em
v v v v v v v v v v v v v
ployer's Group Health plan is the: -v v v v v v
..........ANSWER.......Probationary period
v v
Variable annuity premiums may be invested in all of the following EX
v v v v v v v v v v v
CEPT: - ..........ANSWER.......Agent's interest bearing trust account
v v v v v v
Before obtaining an HIV test the insurer must do which of the followin
v v v v v v v v v v v v
g: - ..........ANSWER.......Have the applicant sign a consent form
v v v v v v v v
HMOs are required to cover all of the following except: -
v v v v v v v v v v
..........ANSWER.......Prescription drugs
v v
At what point in time may a representation be altered or withdrawn: -
v v v v v v v v v v v v
..........ANSWER.......Prior to the insurance going into effect only
v v v v v v v v
If a corporation uses life insurance to buy shares under a buy-
v v v v v v v v v v v
sell agreement, which of the following is true regarding taxation: -
v v v v v v v v v v
, Pagev4vofv175
v ..........ANSWER.......It is treated as a loss or gain if they are commo v v v v v v v v v v v
n stock
v
All of the following must be disclosed in Internet advertising EXCEPT
v v v v v v v v v v v
an agent's: - ..........ANSWER.......Phone number
v v v v
When the pricing principle is defined in a disability policy by the finan
v v v v v v v v v v v v
cial loss on a certain group of people occurring over a certain period of
v v v v v v v v v v v v v
time it is known as: - ..........ANSWER.......Frequency
v v v v v v v
Dread (Specified) Disease policies covers which of the following: -
v v v v v v v v v
..........ANSWER.......Treatment for one specific disease
v v v v v
Which of the following criteria must be used to classify an injury as ac
v v v v v v v v v v v v v
cidental under a disability income policy? -
v v v v v v
v ..........ANSWER.......The cause of the injury may be intentional, but v v v v v v v v v
the result of the injury must be accidental
v v v v v v v
Which of the following terms used in the California Insurance Code is
v v v v v v v v v v v v
mandatory: - ..........ANSWER.......Shall v v
