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Life, Accident and Health or Sickness Examination (California)
The Life, Accident and Health or Sickness examination is the combined California Department of Insurance producer licensing examination that candidates pass to qualify as a 'full Life Agent' holding both the Life-Only Agent and Accident and Health Agent license types; it is administered under a CDI contract with PSI Services LLC at California test centers or via online remote proctoring.
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Questions150 multiple-choice questions
Testing time195 minutes (plus an on-screen tutorial of up to 15 minutes that does not count toward examination time)
ScoringPassing score of 60 percent
Exam feeUSD 55 CDI examination fee for the combined Life, Accident and Health examination (checking both license types incurs one examination fee; non-refundable) plus a USD 43 PSI convenience fee at PSI test centers outside CDI's Los Angeles test center
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Exam overview
What to know before choosing your prep
- Who runs it
- CDI
- Category
- Life & Health Insurance Licensing
- Current version
- Based on the Life and Accident and Health or Sickness License Examination Objectives effective January 1, 2026 (no separate combined-exam objectives document; the combined examination draws on the two single-line objective sets)
- Where it applies
- California, United States
- Exam languages
- English, Spanish, Korean, Simplified Chinese, Tagalog, Vietnamese
- Testing provider
- PSI
- Format
- Computer-based at PSI test centers in California (including CDI's Los Angeles test center, where no convenience fee is charged) or online with remote proctoring
- Availability
- Year-round by appointment at PSI test centers or via remote proctored appointments launched within 30 minutes of the booked time; appointments can be canceled/rescheduled without forfeiting the fee up to two business days before the examination
- Results
- Pass/fail score displayed on screen at the end of the examination; score report emailed to the examinee (with diagnostic report if failed)
- Score validity
- Passing examination results are valid for one year from the date passed (license must be issued within that window)
- Remote testing
- Available
Exam structure
One 150-question multiple-choice examination combining the Life and the Accident and Health or Sickness License Examination Objectives (75 questions each). Life objectives: General Insurance (22 questions, 30%), Life Insurance (49, 65%), and Life Policy Riders (4, 5%). Accident and Health objectives: General Insurance (18, 25%), General Concepts of Medical and Disability Insurance (4, 5%), Medical Expense Insurance (45, 60%), Disability Income Insurance (4, 5%), and Long-Term Care Insurance (4, 5%).
Where rules vary
California state producer licensing examination under the California Insurance Code (section 1749 requires 12 hours of study on ethics and the California Insurance Code for life agent applicants); passing the combined examination qualifies the applicant for the California Life Agent license in both the Life-Only (LO) and Accident and Health (AH) license types
Eligibility
12 hours of study on ethics and the California Insurance Code (California Insurance Code section 1749) — recommended before the examination and required before the license is issued
Retake policy
Retesters must re-register and pay the fee again; an examinee who fails a license examination 10 times is barred from taking that examination for 12 months from the last failed attempt (California Insurance Code section 1682)