Pass the California Life & Health Insurance Exam

LicenseIQ is a study coach built exclusively for the California Department of Insurance Life and Accident & Health licensing exams. Adaptive coaching, practice questions, and timed exam simulations — all aligned to CDI objectives.

Start Studying Free →

Built Exclusively for the California CDI Exam

LicenseIQ covers every domain on the California Life Only, Accident & Health Only, and Combined Life & A&H licensing exams administered by PSI Services LLC. Every question, study note, and concept card is aligned to official CDI exam objectives — no generic filler, no off-topic content.

  • Topic-by-topic coaching tells you exactly what to study next
  • Practice questions aligned to CDI Life and A&H exam objectives
  • Timed exam simulator — 75 questions, 90 minutes, just like the real PSI exam
  • Concept cards with spaced repetition review
  • Readiness score updated as you complete each topic
  • Study plan generated from your actual exam date

What the California Insurance Exam Covers

The California CDI Life and Health exam tests candidates across multiple domains. LicenseIQ covers all of them, including:

  • Core Insurance Concepts & Principles
  • Contract Law and Policy Provisions
  • Types of Life Insurance Policies (Term, Whole Life, Universal Life, Annuities)
  • Individual and Group Medical Expense Insurance
  • Medicare, Medigap, and Senior Health Products
  • Disability Income and Long-Term Care Insurance
  • California Insurance Code, Ethics, and Producer Regulations
  • Affordable Care Act (PPACA) and Covered California
  • Taxation of Life Insurance and Annuities

How LicenseIQ Works

  1. Read the study notes — plain-English explanations of every CDI exam concept
  2. Review concept cards — master key terms and definitions with spaced repetition
  3. Take a topic quiz — advance when you score 70% or higher
  4. Simulate the real exam — 75 questions, 90 minutes, CDI-aligned content

Your coach tracks accuracy by topic, surfaces missed questions for targeted review, and adjusts your study plan as your exam date approaches.

Frequently Asked Questions

How many questions are on the California insurance licensing exam?

The Life Only or Accident & Health Only exam has 75 questions. The Combined Life, Accident & Health exam has 150 questions (75 per section). All are multiple choice with four answer options.

What is the passing score for the California insurance exam?

You need a score of 60% or higher to pass — at least 45 correct out of 75 questions. For the Combined exam, you must score 60% on each section independently.

How long does it take to study for the California insurance exam?

Most candidates who pass on their first attempt study for two to four weeks, spending one to two hours per day. The Combined Life & A&H license typically requires three to five weeks of preparation.

Who administers the California CDI insurance exam?

PSI Services LLC administers the exam at testing centers throughout California. The exam is computer-based and your score is reported immediately when you finish.

Do I need pre-licensing education before the California insurance exam?

Yes. California requires 20 hours of CDI-approved pre-licensing education per license type. The Combined Life & A&H license requires 40 hours total (20 Life + 20 A&H).

Can I retake the exam if I fail?

Yes. California does not impose a waiting period between attempts. You can reschedule as soon as you are ready, though you must pay the exam fee again for each attempt.

Study Guides

Exam Topic Deep Dives

Plain-English study guides for every topic on the California CDI Life and A&H licensing exams.