Free California Department of Insurance CA-Life-Accident-and-Health Exam Dumps Questions & Answers

According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

• A.The licensee.
• B.The employer.
• C.The Commissioner.
• D.The insurer.

The additional premium charged by an insurer for adding the accidental death benefit to a whole life policy

• A.does not affect the policy's cash value.
• B.increases the policy's cash value.
• C.decreases the length of time that premiums are payable.
• D.increases the yearly dividend amount.

All of the following statements apply to the child coverage in a family policy EXCEPT

• A.coverage applies only to children born before the policy is issued.
• B.child coverage is convertible to whole life coverage.
• C.children are covered until reaching a specified age.
• D.child coverage is term insurance.

What is the limit of liability in a term life insurance policy?

• A.The total amount of premiums paid.
• B.The total cash value.
• C.The face amount plus the premiums paid.
• D.The face amount of the policy.

Insurance solicitation includes all of the following activities EXCEPT

• A.publishing a newspaper in which one of the advertisers is an insurance agent.
• B.bulk mailings introducing an agency.
• C.recommending other insurance products.
• D.coverage and rate quotations.