Pass the California Life, Accident & Health Insurance Exam on Your First Try
Standard: Current 2026 Testing Standards
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The California Life, Accident, and Health insurance license exam is a 150-question, proctored test administered by PSI Services on behalf of the California Department of Insurance. You have 3 hours and 15 minutes to complete it, and you need a score of 60% or higher to pass. The exam covers six topic areas weighted by the CDI content outline — General Insurance Concepts is the largest section at 28%, followed by Life Insurance Fundamentals at 22% and Medical Expense & Health Insurance at 20%. The remaining 30% is split across CA Insurance Code & Ethics, Annuities & Taxation, and Specialty Health Products. The exam blends national insurance concepts with California-specific laws, so candidates who study general insurance principles without drilling the state-specific rules routinely fail the CA Insurance Code section. Candidates who practice with realistic, code-referenced questions pass at a significantly higher rate than those who only read study guides.
Detalles del examen
The exam is administered by PSI Services at over 20 test center locations across California, and is also available via remote online proctoring through PSI Bridge. You must complete all pre-licensing education requirements before scheduling — California requires 20 hours of line-specific pre-licensing education plus a 12-hour Ethics and California Insurance Code course (32 hours total for a single line). The exam fee is $55 per attempt with no waiting period between retakes, though candidates who fail 10 times in a 12-month period are barred for one year. On the day of your exam, you must bring one valid government-issued photo ID — an out-of-state ID is not accepted. You may not bring calculators, phones, or any notes into the testing room. When you finish, you receive a pass/fail result immediately on screen, followed by a printed score report with a topic-by-topic diagnostic breakdown.
Cada vez se generan una nueva prueba y una clave de respuestas; el enlace a la clave va en el PDF.
Three areas account for the most failures on the California Life & Health exam. First, the CA Insurance Code & Ethics section — it is only 12% of the exam, but candidates who prepped with a national study guide and skipped the California-specific material routinely miss 7 or more of these 18 questions, which is enough to fail an otherwise borderline exam. The CDI has specific rules on producer conduct, anti-churning, replacement policies, and disclosure requirements that differ from national standards. Second, annuity taxation — the tax treatment of non-qualified annuities, the rules around 1035 exchanges, and the distinction between LIFO treatment inside and outside qualified plans are genuinely complex and tested with scenario-based questions. Candidates who memorized definitions but did not practice applying them to fact patterns struggle here. Third, coordination of benefits and COBRA rules in the health section — these require knowing which plan pays primary and when, the exact COBRA election window (60 days), and continuation rules for various qualifying events, all under time pressure.
150 multiple-choice questions, all of which are scored. There are no unscored trial questions in the PSI insurance exam format. You have 3 hours and 15 minutes to complete it.
60% — meaning you need to answer at least 90 of the 150 questions correctly. PSI reports a pass/fail result immediately after you complete the exam, along with a diagnostic score report broken down by topic.
PSI Services LLC, contracted by the California Department of Insurance (CDI). You can test in person at over 20 PSI locations across California or via remote online proctoring using PSI Bridge technology.
3 hours and 15 minutes (195 minutes), giving you roughly 78 seconds per question. Most candidates finish with time remaining, but the volume of content means time management still matters.
Six topics weighted by the CDI content outline: General Insurance Concepts (28%), Life Insurance Fundamentals (22%), Medical Expense & Health Insurance (20%), CA Insurance Code & Ethics (12%), Annuities & Taxation (10%), and Specialty Health Products (8%).
Yes. PSI offers remote online proctoring for all California insurance license exams via PSI Bridge. You will need a compatible computer with a moveable webcam, microphone, and internet connection. Run PSI's compatibility check tool before scheduling.
$55 per attempt. There is no waiting period between retakes, but candidates who fail the same exam 10 times within a 12-month period are barred from retaking it for one year.
Yes. California requires 20 hours of line-specific pre-licensing education plus a 12-hour Ethics and California Insurance Code course — 32 hours total for a single line of authority. Your certificate of completion must be on file with the CDI before you can schedule the exam. Note: beginning January 1, 2026, the 20-hour general pre-licensing requirement is being eliminated, leaving only the 12-hour Ethics and Code course as mandatory.
One valid government-issued photo ID with a signature. Out-of-state IDs are not accepted at California CDI exam sites. Acceptable forms include a California driver's license, California ID card, passport, passport card, or military ID.
After passing the exam, you submit a license application through Sircon or NIPR and complete fingerprinting through the CDI's Live Scan vendor. Processing typically takes 2 to 4 weeks depending on background check turnaround.
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