California Insurance Laws Exam Guide for Life & Health Exam (Pass The First Time!)

💚 Welcome back to Fast Pass University — where we make passing your insurance exam simple, clear, and stress-free.

This is Part 2 of your California Life & Health Insurance Laws & Regulations series.
In this lesson, we cover the California state-specific laws that apply ONLY to the Life & Health exams, including:

📘 What You’ll Learn in Part 2

• CA replacement rules (highly tested!)
• Required replacement notices, timelines, and forms
• CA annuity suitability requirements
• Life & Health training requirements (LTC, Annuity, Replacement)
• Health coverage mandates (maternity, mental health parity, preventative care)
• Disability insurance provisions (elimination period, benefit period, recurrent disability)
• CAL-COBRA rules
• Coordination of Benefits
• LTC rules (Shopper’s Guide, Outline of Coverage, 30-day free look)
• ACA/PPPACA rules specific to California (MAGI thresholds, CSRs, APTCs, QHPs)
• Claims timelines (15–40–30 Rule)
• Prohibited acts, penalties, fraud laws
• HICAP (very testable!)

📝 Everything in this video matches the official California DOI exam outline for Life, Accident & Health.

🔗 WATCH PART 1 FIRST (VERY IMPORTANT!)
California Laws & Regulations — Common to All Lines
👉    • California Insurance Exam: Essential Laws ...  

🔗 IF YOU ARE ALSO STUDYING FOR CA P&C INSURANCE EXAM
California Laws & Regulations — Common to Property & Casualty
👉   • Guide to Pass the California Insurance Exa...  

Part 1 covers ALL foundational laws that every CA exam uses:
Commissioner powers, licensing, CE rules, penalties, reporting timelines, unfair practices, etc.
Watch that video first so this lesson makes sense.

▶️ Next Steps (Choose Based on Your Exam):
✔️ Studying for the Property & Casualty Exam?

Watch the Property and Casualty (P&C) - Specific CA Laws & Regulations lesson here:
👉 COMING THIS WEEK!

📘 Download the CA Life & Health Study Guide & Workbook - https://www.fastpassuniversity.co/sho...

👉 FastPassUniversity.co
(Download + follow along, or use as a cram sheet before your exam.)

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