Are you ready for the California Life & Health exam?
Take a free 27-question readiness check drawn to the official exam outline. See your score by domain, find the areas most likely to cost you the exam — then fix them with 8,550 free questions and full 3-part explanations. No signup.
How it works
Check where you stand
A free 27-question readiness check, drawn to the official CDI outline. Your score comes back by exam domain, against the real exam's 60% passing line.
Fix your gaps for free
Every question is public with its full 3-part explanation: why the correct option is right, why each other option is wrong, and a memory hook that makes it stick. Nothing to sign up for.
Train when you are ready
The optional $59 Exam Engine adds unlimited randomized practice, full exam simulations, timed quizzes, a wrong-answer book, weakness analysis, and a flashcard trainer.
Free vs Exam Engine
Every question is free forever. You don't need 8,550 questions — the engine is the layer that tells you which ones to do next.
| Feature | Free | Exam Engine |
|---|---|---|
| Every question + full 3-part explanation | Included | Included |
| Randomized practice sessions | Not included | Unlimited |
| Timed quizzes at exam pace | Not included | 25 questions |
| Full exam simulations | Not included | Combined, Life-Only & A&H-Only |
| Flashcard trainer | Not included | 803 terms — shuffle, flip, redo missed |
| Wrong-answer book | Not included | Auto-collected + synced |
| Weakness analysis by domain | Not included | Included |
| Price | $0 forever | $59 one-time · 3 years of access |
Unlock the Exam Engine — $59 →
Inside the engine
- ✓No account or password — one email link unlocks everything
- ✓Your wrong answers sync to the cloud and follow you across devices
- ✓Review mode drills every miss until you answer it right — then it clears
- ✓25-question timed quizzes at real exam pace, with a pass/fail line
- ✓Full exam simulations — the combined L&H sitting, or Life-Only / A&H-Only halves
- ✓Flashcard trainer for all 803 glossary terms — shuffle, flip, redo what you miss
Free questions need nothing but a browser. The engine needs one email — never a password.
Exam simulation
- · 150 questions — the real exam's full length
- · 195-minute limit, the real exam's clock
- · Drawn to the official CDI outline — every domain in its real-exam proportion
Practice by exam domain
Questions are organized by exam domain, mirroring the official exam content outline.
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Free practice questions with 3-part explanations →
Official state exam guides
Exam formats, fees, passing scores and pre-licensing rules for 16 state Life & Health licensing exams — verified against official state sources, with 2024 NAIC pass rates.
Pearson VUE · No pre-licensing education required
PSI · Only 12h ethics course (AB 943)
Pearson VUE · 60h pre-licensing course required
Pearson VUE · 20h per line, incl. 7.5h classroom
PSI · 20h/line (40h combined) — required BEFORE exam
Pearson VUE · 8h per line (cut from 20h in July 2025)
Pearson VUE · No pre-licensing education (abolished Oct 2025)
PSI Services LLC · No pre-licensing education required
Pearson VUE · No pre-licensing education (removed March 2023)
Pearson VUE · No pre-licensing education required
Pearson VUE · 50h per line — heaviest in the top 16
Prometric · No pre-licensing education required
PSI · 20h per line (40h combined)
PSI · No pre-licensing education (abolished April 29, 2025)
PSI · 20h per line (40h combined)
PSI · 20h per line (combined L&H = 40h total)
Try a question right now
A sample of the 8550 free questions — click one, answer it, and read the full 3-part explanation.
- 1.State RegulationsWhich of the following best describes insurable interest in life insurance?
- 2.BeneficiariesAn employer purchases a life insurance policy on a key employee. The employer's insurab…
- 3.Medical ExpenseAn employer establishes a Health Reimbursement Arrangement (HRA) for its employees. Whi…
- 4.Life InsuranceWhen a client purchases a life insurance policy, the client is using which risk managem…
- 5.TaxationTo keep life insurance proceeds out of the insured's gross estate for federal estate ta…
- 6.Disability IncomeWhat is the primary purpose of underwriting in disability income insurance?
- 7.General InsuranceIn insurance terminology, the definition of risk is best expressed as:
- 8.AnnuitiesThe fundamental purpose of an annuity is best described as protecting against the risk of:
You know where you stand. Now train like it is test day.
Unlimited randomized practice · full exam simulations · timed quizzes · wrong-answer book · domain weakness analysis · flashcard trainer.
One-time payment — three years of access, renewed every time you unlock.
Unlock the Exam Engine