Life Insurance Exam 2025 California - Practice Test & Study Guide (25 Most Asked Questions)

Preparing for the California Life Insurance Exam in 2025? This complete practice test and study guide features 25 of the most frequently asked questions designed to help you pass your state licensing exam with confidence. Each question includes a detailed explanation covering key concepts, policy provisions, and California-specific regulations. Whether you’re a new insurance student or a professional renewing your license, this comprehensive review will help you master the essential knowledge needed to succeed on the California Department of Insurance Life-Only Exam.

In this session, you’ll learn about the scope of a life-only agent license, grace periods, California solvency requirements, and the purpose of the Life and Health Insurance Guarantee Association. You’ll also review fundamental topics like the Incontestability Clause, Entire Contract Clause, Conversion Privilege, and the tax treatment of life insurance benefits. The video explains critical differences between Term, Whole, Universal, and Variable Life policies, while also covering annuities, beneficiary designations such as per stirpes and per capita, and consumer protections like the 30-day free-look period for seniors. Each explanation simplifies complex insurance terms so you can confidently apply them on exam day.

This video is ideal for California insurance students preparing for exams administered by PSI or Pearson VUE. By watching through, you’ll develop a solid understanding of both general life insurance principles and state-specific rules that appear on the official test. It’s a perfect resource for anyone seeking to start a rewarding career in the insurance industry or add a life-only license to their credentials.

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