Free California insurance practice test with 20 questions on life and health, property and casualty, insurance regulations, and CDI producer licensing.
These questions are for study practice only and are not official exam questions.
Question 1
1
In property insurance, what is the practical effect of an actual cash value (ACV) settlement compared to a replacement cost settlement after a covered loss?
Question 2
2
In a whole life insurance policy, what generally happens to the policy's cash value over time as premiums are paid?
Question 3
3
What is the general purpose of an insurance producer's duty to avoid unfair claims practices and misrepresentation under state insurance codes?
Question 4
4
What is the primary purpose of a term life insurance policy?
Question 5
5
What does a standard homeowners insurance policy's liability coverage generally protect against?
Question 6
6
What is the general purpose of state solvency regulation over insurance companies?
Question 7
7
In health insurance, what does a policy's 'deductible' refer to?
Question 8
8
What does an insurance policy's 'peril' refer to?
Question 9
9
What is 'twisting' in the context of insurance regulation?
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