California Life & Health Insurance Exam Practice Test
8550 practice questions covering every domain of the PSI/CDI exam outline. Answer any question free and get the full 3-part explanation — no account required.
California L&H exam at a glance
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Free forever — click a question, answer it, and read the full explanation.
- Which of the following best describes insurable interest in life insurance?Answer free →State Regulations·Difficulty 1/5·CA specific
- An employer purchases a life insurance policy on a key employee. The employer's insurable interes…Answer free →Beneficiaries·Difficulty 2/5
- In an individual life insurance policy, the party who holds the right to exercise ownership right…Answer free →Beneficiaries·Difficulty 1/5
Full domain coverage
Coverage mirrors the PSI/CDI content outline for the California Life & Health license.
What the engine costs (and doesn't)
- · Every question free, forever
- · Unlimited randomized practice
- · Full exam simulations
- · 25-question timed quizzes
- · Wrong-answer book + weakness analysis
- · No expiration — yours for life
- · 60-day access window, then expires
- · Free trial limited to ~25 questions
- · Trademark of its respective owner
Pricing comparisons are based on publicly listed prices and are provided for information only.
Frequently asked questions
How many questions are on the California Life & Health insurance exam?
The California Life, Accident and Health exam administered by PSI contains 150 scored questions plus 10 unscored experimental questions, with a 195-minute time limit. The passing score is 60% — you need 90 correct answers out of 150.
Is this practice test really free?
Yes. Every question on PassSprint is free to answer, with the full explanation, no signup, and no daily limits. An optional $59 one-time unlock adds the Exam Engine — unlimited randomized practice, full exam simulations, timed quizzes, a wrong-answer book, and domain weakness analysis.
How is PassSprint different from ExamFX?
ExamFX charges roughly $170–$300 for a package that expires after 60 days. PassSprint keeps every question free forever and charges $59 once for the practice engine. ExamFX is a trademark of its respective owner; references here are for factual comparison only.
What is a '3-part explanation'?
Every question includes three things: (1) why the correct option is correct, (2) why each wrong option is wrong, and (3) a memory hook — a plain-English analogy that makes the concept stick on exam day.
Does this cover California-specific content?
Yes. California Code & Ethics makes up 20–30% of the exam, and the question bank includes California-specific questions (marked as CA) alongside nationally reusable content across all Life & Health domains.
How do I register for the actual exam?
Schedule your exam with PSI, then apply for your license with the California Department of Insurance (CDI). Under AB 943 (effective January 1, 2026), the 20-hour per-line pre-license courses are no longer required — only a 12-hour Ethics & California Insurance Code course remains, and you may complete it after you pass, before your license is issued. PassSprint is not affiliated with either organization — always verify current requirements on their official websites.
Preparing for the exam in another state?
PassSprint publishes official exam guides for 16 states — question counts, time limits, fees, passing scores and pre-licensing rules, each verified against that state's official sources. See the state exam guides index.
Preparing in another state?
We publish official exam guides for 16 states — Texas, Florida, New York and 13 more. Each guide covers question counts, time limits, fees, passing scores, retake rules and pre-licensing education, verified against that state’s official sources with 2024 NAIC pass rates.
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