California Insurance Regulations Practice Questions — Page 14 of 17
820 free California-specific insurance regulation questions for the California Life & Health exam — page 14.
- 651.In California, an HMO operated as a health care service plan under the Knox-Keene Act is regulated primaril…Difficulty 2/5CA specific
- 652.Under California Insurance Code Section 334, a misrepresentation or concealment is material if:Difficulty 2/5CA specific
- 653.Under California Insurance Code Section 381, when the exact premium of a policy can only be determined when…Difficulty 2/5CA specific
- 654.In selling long-term care insurance in California, the agent owes the applicant a duty to:Difficulty 2/5CA specific
- 655.A California producer promotes a life insurance policy's accelerated death benefit for chronic illness as a…Difficulty 3/5CA specific
- 656.An applicant honestly but incorrectly states that she never had back surgery, when in fact she had two proc…Difficulty 3/5CA specific
- 657.Which agent is exempt from the Section 1749.8 annuity training requirements?Difficulty 2/5CA specific
- 658.The Health Insurance Counseling and Advocacy Program (HICAP) is best described as a program that is:Difficulty 2/5CA specific
- 659.An insurer organized under the laws of another state and doing business in California is classified as a:Difficulty 1/5CA specific
- 660.Under California law, before recommending a long-term care policy, the agent must:Difficulty 3/5CA specific
- 661.Under the California Unfair Practices Act (CIC Sections 790-790.15), an action alleging unfair or deceptive…Difficulty 2/5CA specific
- 662.Before selling life insurance policies with long-term care riders in California, an agent must complete an …Difficulty 3/5CA specific
- 663.Under California Insurance Code Sections 10140-10145, an insurer is prohibited from refusing to issue a lif…Difficulty 2/5CA specific
- 664.Under California Insurance Code Section 38, notices or communications required by the Insurance Code may be…Difficulty 1/5CA specific
- 665.In a group health insurance policy, the requirement under California Insurance Code Section 381 that a poli…Difficulty 2/5CA specific
- 666.A disability policy has been in force for three years. Under the 'Time Limit on Certain Defenses' provision…Difficulty 2/5CA specific
- 667.Under California Insurance Code Section 334, the materiality of a fact is determined by:Difficulty 2/5CA specific
- 668.An accelerated death benefit (living needs) rider allows the insured to:Difficulty 2/5CA specific
- 669.In the California Insurance Code, the word "shall" generally means that an act is:Difficulty 2/5CA specific
- 670.Under California law (CIC Section 10234.93), before an agent may sell a life insurance policy with a long-t…Difficulty 3/5CA specific
- 671.Which of the following is NOT among the specifications that CIC §381 requires a policy to contain?Difficulty 2/5CA specific
- 672.Under California law, when an accelerated death benefit is available for a chronic illness, the insurer mus…Difficulty 2/5CA specific
- 673.Under California Insurance Code Section 381, which of the following is NOT required to be specified in an i…Difficulty 2/5CA specific
- 674.Under California law, an accelerated death benefit (living benefit) provision allows:Difficulty 2/5CA specific
- 675.Under California Insurance Code Section 381, the requirement that a policy specify the subject matter is sa…Difficulty 2/5CA specific
- 676.An applicant signs a claim form for life insurance benefits knowing the claim statements are false. Under C…Difficulty 2/5CA specific
- 677.A proposed contract promises to pay a fixed benefit on a date certain, five years from issuance, with no re…Difficulty 2/5CA specific
- 678.For a California agent licensed after January 1992 who sells long-term care insurance, after completing the…Difficulty 2/5CA specific
- 679.Under CIC Section 10234.93, the long-term care training requirement for California agents who sell LTC insu…Difficulty 2/5CA specific
- 680.When presenting an annuity to a California consumer, which disclosure obligation applies to the producer?Difficulty 2/5CA specific
- 681.A producer is selling a life insurance policy with an accelerated death benefit rider for chronic illness. …Difficulty 3/5CA specific
- 682.A California producer sells a life insurance policy with a chronic-illness accelerated death benefit rider.…Difficulty 3/5CA specific
- 683.Which agency administers the Health Insurance Counseling and Advocacy Program (HICAP) in California, which …Difficulty 1/5CA specific
- 684.Under California Insurance Code Sections 10140-10145, an insurer's use of which factor in life insurance un…Difficulty 2/5CA specific
- 685.Under California law governing notices in insurance transactions, a notice may be given by electronic trans…Difficulty 2/5CA specific
- 686.Under California's Unfair Practices Act (CIC Section 790 et seq.), which of the following statements is cor…Difficulty 2/5CA specific
- 687.A California insurer issues a policy that names the insured but fails to identify itself as the insurer. Un…Difficulty 2/5CA specific
- 688.Before soliciting a life insurance policy with a long-term care (LTC) rider in California, a resident agent…Difficulty 2/5CA specific
- 689.Under California Insurance Code Section 447, the violation of a material warranty or other material provisi…Difficulty 2/5CA specific
- 690.Which statement about the six specifications required by CIC §381 is correct?Difficulty 2/5CA specific
- 691.Before an agent may sell a life insurance policy with a long-term care rider in California, the agent must …Difficulty 2/5CA specific
- 692.A California employee's group life insurance coverage terminates when she leaves her job. Under Section 102…Difficulty 2/5CA specific
- 693.A California insurer's underwriter proposes to decline an applicant solely because the applicant's genetic …Difficulty 2/5CA specific
- 694.California imposes special rules on life and annuity sales to senior citizens (age 65 and older) primarily …Difficulty 3/5CA specific
- 695.Before an agent may sell a life insurance policy with a long-term care (LTC) rider in California, the agent…Difficulty 2/5CA specific
- 696.Under California law, an insurer that sells Medicare supplement (Medigap) insurance must offer every applic…Difficulty 2/5CA specific
- 697.Under CIC Section 10350.2, after a disability policy has been in force for two years, the insurer generally…Difficulty 2/5CA specific
- 698.Under California's life insurance disclosure rules, a policy that imposes surrender charges must disclose t…Difficulty 2/5CA specific
- 699.The California Insurance Commissioner files a verified application showing that an insurer's further transa…Difficulty 3/5CA specific
- 700.A disability policy states that coverage 'continues until cancelled by either party.' Under CIC §381(e), wh…Difficulty 2/5CA specific