California Life, Health & Annuity Self Study Exam Prep
Self-study prep for California Life, Health & Annuity. Videos, notes, flash cards, practice tests, and regulation.
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Inside your California Life & Health course
Work through the online course at your own pace. Use the lessons and practice to decide what to review next.
1. Definitions
Build the insurance vocabulary first. Keep a short review list so unfamiliar terms do not distract you from the coverage or benefit being tested.
2. Health Plans
Connect health coverage, benefits and cost-sharing concepts to the situations in your lessons. Review the explanation behind an answer before trying another question.
3. Life & Annuity
Connect policy roles, life insurance benefits and annuity concepts. Identify what the question is asking before comparing the answer choices.
4. State Regulation
Study the California material alongside the general insurance concepts. Keep a separate list of state-specific topics to revisit during practice review.
Try two course study examples
Choose an answer before opening the explanation. These original examples demonstrate insurance concepts; they are not state examination questions.
Separate the policy roles
Morgan owns a life insurance policy covering Alex, and Casey is the beneficiary. Who is named to receive the death benefit?
Show answer and reasoning 1
Casey, the beneficiary. Morgan is the policyowner and Alex is the insured. Identify which role the question asks about before choosing an answer.
Apply the deductible before coinsurance
Assume $5,000 of covered, allowed health expenses, a $1,000 deductible still to be met, and an insurer that pays 80% afterward. No other cost-sharing or limit applies. What is the insurer’s share?
Show answer and reasoning 2
$5,000 − $1,000 = $4,000; 80% of $4,000 = $3,200. The member pays $1,800 in this example: the deductible plus $800 of coinsurance.
Examples use simplified assumptions. Actual policy terms and loss facts determine real coverage and payments.
Turn practice into a review plan
After working through the topics, use your course’s Practice Tests section to identify weak areas. Return to the relevant lesson and explain why the answer fits. Follow the instructions in Final Exam and any other completion steps shown in your course.
Reinforce your review with the course reference and printable study cards available in your course.
Start California Life & Health self-studyCurrent course price: $114.95
Everything a first-time Life & Health student needs to study.
Clear study tools for the California Life, Health & Annuity exam, organized so students can move from lessons to review to practice.
Life and health modules
Life, health, and annuity topics organized around the state exam outline.
California regulation
State regulation chapter included so California-specific exam material is covered.
Chapter videos
More than 13 hours of video instruction paired with the course material.
Book and slides
A 220 pages online book plus PowerPoints for structured review.
Cliff notes
Typed and highlighted notes to make review sessions easier to manage.
Practice tools
Unlimited practice tests, flash cards, and other tools for repeated review.
Start online. Study on your schedule.
This is the self-study option for students who want a direct, affordable path through the California Life & Health insurance exam material. It is video based and does not require a live class schedule.
Best for self-study buyers
- You want the lowest-cost California Life & Health course option.
- You can study without a live instructor schedule.
- You want videos, notes, book content, flash cards, and tests.
- You want online access for 70 days.
Consider a virtual class if
- You need scheduled live instruction.
- You want more structure than self-study provides.
- You prefer a classroom rhythm before taking the exam.
- You want to ask instructor questions during class.
Quick answers before checkout.
Know what is included, how access works, and whether self-study is the right format before enrolling.
How long do I get access?
Access is provided for 70 full days from the date of purchase.
Is this a live class?
No. This product is the self-study version. It is video based and does not include a live instructor.
What is included?
Learning modules, California regulation, chapter videos, online book, PowerPoints, cliff notes, unlimited practice tests, flash cards, and additional study tools.
Who is this course for?
Students preparing for the California Life, Health & Annuity insurance license exam who want an online self-study course.
California Life, Accident and Health exam and resident-license path
California removed the former general product-specific study-hour requirement on January 1, 2026. This online Self Study product is optional independent preparation for the combined Life, Accident and Health or Sickness examination.
Before a California license can be issued, the applicant must complete a CDI-approved 12-hour Ethics and California Insurance Code course that includes one hour of insurance-fraud study. This TSI product is not that approved course, does not provide California prelicensing credit, and does not issue the required completion certificate.
1. Prepare for the full Life examination
Select both Life-Only Agent and Accident and Health Agent for the combined examination and application. The March 2026 bulletin lists 150 scored questions, 195 minutes, a 60% passing score, and a $55 examination fee. PSI may add 1 to 10 unscored experimental questions that still count against exam time.
2. Choose test-center or remote delivery
PSI currently offers both test-center and online remote-proctored examinations. Pass/fail appears on screen and the score report is emailed. A failed report includes a diagnostic count. Ten failures of the same exam type within 12 months trigger a 12-month bar; a passed examination is valid for one year.
3. Follow the live application prompts
Official pages currently conflict on application order: CDI's March 2026 bulletin summarizes exam then application, while its PSI-referral page says apply before scheduling the first exam. NIPR accepts filing before exam verification but requires the exam before approval. Follow the current CDI and PSI prompts. The current state application fee is $188, excluding transaction fees.
4. Fingerprint only after applying
After the license application, use CDI's Capital Live Scan process. CDI lists more than 800 locations and a current total fee of $74: $17 FBI, $32 DOJ and $25 CLS. Fingerprint completion and the separate approved 12-hour course are required before license issuance.
Current official California sources
- CDI January 2026 prelicensing-change FAQ
- CDI March 2026 candidate information bulletin
- PSI California insurance examination program
- CDI full Life Agent examination and application path
- CDI current License Examination Objectives
- CDI LIC 446-8 January 2026 course-hour table
- CDI current PSI-referral application page
- CDI current licensing-fee schedule
- CDI resident fingerprint requirements
- NIPR California resident-individual rules
Course boundary: Purchase provides 70 days of optional independent online Self Study exam preparation. It does not include the separate CDI-approved 12-hour Ethics and California Insurance Code course, California prelicensing credit or certificate, PSI examination, license application, NIPR/Sircon transaction, fingerprint service, appointment, or license. TSI does not claim CDI, PSI, NIPR, Sircon, Capital Live Scan, or IIABCal approval, recommendation, or endorsement and does not guarantee study completion, exam passage, background or application approval, appointment, or license issuance.
California licensing FAQ
Does California still require 20 or 40 hours of product-specific prelicensing study?
No. Effective January 1, 2026, California removed the former general product-study-hour requirement for Life and Accident and Health or Sickness applicants. Independent exam-preparation courses may still be offered.
Is any California education still required before the license is issued?
Yes. A separate California Department of Insurance-approved 12-hour Ethics and California Insurance Code course, including one hour of insurance-fraud study, must be completed before license issuance.
Does this TSI product satisfy the approved 12-hour California course?
No. This product is optional independent exam preparation only. It does not provide the approved 12-hour course, California prelicensing credit, or the required completion certificate.
Can I take one examination for California Life and Accident and Health?
Yes. CDI says applicants may select both Life-Only Agent and Accident and Health Agent when scheduling and applying to take the combined full Life examination.
How many questions are on the California full Life examination?
The March 2026 candidate bulletin lists 150 scored questions and 195 minutes. PSI may add 1 to 10 unscored experimental questions that still count against the examination time.
What score is required on the California full Life examination?
The March 2026 candidate bulletin lists a 60% passing score for Life, Accident and Health or Sickness.
What does the California full Life examination cost?
CDI's current fee schedule lists a $55 examination fee. Other application, fingerprint, out-of-state test-center, transaction, and licensing costs are separate.
Can the California insurance examination be taken remotely?
Yes. PSI currently offers both test-center and online remote-proctored delivery. Confirm current technical, identification, location, and scheduling rules in PSI before booking.
How many times may I fail a California insurance examination?
Ten failures of the same examination type within the prior 12 months trigger a 12-month bar beginning with the last failed examination.
How long is a passed California insurance examination valid?
The March 2026 candidate bulletin says a passed examination is valid for one year.
Should I apply before or after taking the examination?
Current official pages are inconsistent. CDI's March 2026 bulletin summarizes exam then application, while its live PSI-referral page says apply before scheduling the first exam. NIPR accepts an application before exam verification but requires the exam before approval. Follow the current CDI and PSI prompts.
When should a California resident applicant be fingerprinted?
Only after submitting the license application. CDI currently uses Capital Live Scan; its published total is $74, and fingerprint completion is required before license issuance.
Does this course guarantee an exam pass or California license?
No. Study completion, the separate approved 12-hour course, exam passage, application and background approval, appointment, and license issuance are separate and are not guaranteed.
Official-source facts reviewed July 20, 2026. Confirm current course, fee, identification, scheduling, remote-proctoring, application, fingerprint, background, and appointment requirements with CDI, PSI, and NIPR before acting.