California Life practice exam

Practice for the California Life licensing exam under real exam conditions.

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The real exam, at a glance

administers the exam: PSI
minutes, one sitting: 90–105
to pass: 60%

Written against PSI outline CDI-LEO-LIFE-2026-01-01.

Sources, checked 20 October 2026

California Life examination content outline, the content outline and the exam format figures this page states (question counts, time limit and, where the vendor publishes one, the passing score); the exam fee is set by the testing vendor or the state, so check the current figure with PSI. Checked 20 October 2026.

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This is how every answer is explained.

General Insurance
1.While underwriting a California resident's application for individual life insurance, an underwriter suspects the applicant understated a history of hazardous hobbies. The underwriter proposes a pretext interview with the applicant's neighbors to find out. Under the California Insurance Code, may the insurer authorize it?
Answer: C. No, because the exception for pretext interviews reaches only claim investigations
Cal. Ins. Code Sec. 791.03 bars an insurance institution, agent or insurance-support organization from using or authorizing the use of pretext interviews to obtain information in connection with an insurance transaction. Its single exception allows a pretext interview of a person or institution with no privileged relationship to the subject, and only to investigate a claim where there is a reasonable basis to suspect criminal activity, fraud, material misrepresentation or material nondisclosure in connection with that claim. This is underwriting of an application, not a claim, so the exception is unavailable. Suspected misrepresentation on the application is not enough because the exception ties the suspicion to a claim; the neighbors' lack of a privileged relationship is only one condition of the exception and does not supply the claim; and the section makes no provision for a signed authorization.
Source
Cal. Ins. Code Sec. 791.03 (amended by Stats. 1981, Ch. 106, Sec. 2; applicable October 1, 1981)
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What's included

Full-length timed exams

The real format on the real clock, weighted the way the content outline weights it.

A verified question bank

259 questions, every answer explained and cited to the statute, rule or policy form it rests on.

Topic quizzes

Short sets on whatever you're weakest at.

Readiness score

It moves as you practice, weighted by topic. Book the real exam when it says you are ready.

What is actually on the California Life exam

3 areas, each carrying the share of the exam its content outline gives it. Here is what we hold against every one of them.

1General Insurance
95 verified · 29.33% of the exam
2Life Insurance
158 verified · 65.33% of the exam
3Life Policy Riders
6 verified · 5.33% of the exam

259 verified questions across the 3 areas. Try a few of them free, or read what a California Life sitting looks like before you decide how to study for it. Counts are read from the bank itself, so this list is what exists today, not what is planned.

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California Life questions

How long is the California Life exam?

You have between 90 and 105 minutes. The state department of insurance publishes 90 and the testing vendor publishes 105, so plan for the shorter one.

What score do you need to pass?

60 percent of the scored questions.

How much does the California exam cost?

PSI sets the exam fee and can change it, so we do not print a figure here. Check the current fee in the candidate bulletin or handbook from PSI before you book. It is charged again for each attempt.

Who administers the exam?

PSI, on behalf of the state.

Are these practice questions the real exam questions?

No. Every question is original work written against the published exam content outline. Reproducing live exam questions would be both unlawful and useless preparation.

How do I know when I am ready?

A readiness score tracks your accuracy in each exam area, weighted the way the published content outline weights them. It stays hidden until you have answered enough questions across enough areas for it to mean anything.

Can I use it on my phone?

Yes. Everything works in your phone's browser, with no app to install.

How do refunds work?

Email us within 7 days of purchase for a full refund. No forms.

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