US Insurance California Test 6

Insurance » Category

Author: TestGru Team (Education Specialist)

20 questions · All questions on one page

Prepared with up-to-date content

Insurance — Test 6 (California) Professional (Insurance, USA) USA — California State Insurance License — USA

What is this test? for Insurance (Property/Casualty, Life/Health) license, USA — Professional (Insurance, USA) level, USA — California.
For adults preparing for Insurance license in the USA
Section: Insurance — Test 6 (California) · Education: Professional (Adult) · Part: Insurance — Test 6 (California) · Country: USA · Region: USA — California

A regular habit of taking practice tests makes learned information stick and is one of the most important factors directly affecting exam success.

This test will help you gauge your knowledge in your field and manage your exam prep more efficiently.

By solving this test of 20 questions, you can both test your knowledge and identify the topics you need to improve.

Question 1

What is HMO?

A) network HMO care plan

B) any doctor

C) no referrals

D) PPO

Question 2

What is a premium?

A) deductible

B) regular insurance payment

C) claim payout

D) copay

Question 3

What is a deductible?

A) amount paid before coverage

B) copay

C) payout

D) monthly bill

Question 4

What is a copay?

A) premium

B) deductible

C) fixed visit fee

D) payout

Question 5

What is liability coverage?

A) pays others' damage you cause

B) theft of yours

C) medical for you

D) your car repairs

Question 6

What is PPO?

A) flexible network plan

B) no coverage

C) HMO only

D) free care

Question 7

What is collision coverage?

A) liability

B) your car crash repairs

C) flood

D) theft

Question 8

What is comprehensive coverage?

A) health

B) liability

C) non-crash damage (theft, hail)

D) collision

Question 9

What is term life insurance?

A) coverage for a set period

B) investment

C) no expiry

D) lifetime

Question 10

What is whole life insurance?

A) no payout

B) yearly

C) lifetime plus cash value

D) term only

Question 11

What is a beneficiary?

A) agent

B) adjuster

C) person receiving payout

D) lender

Question 12

What is underwriting?

A) canceling

B) selling

C) risk assessment for policies

D) claim filing

Question 13

What is flood insurance?

A) separate NFIP policy

B) homeowners covers

C) no need

D) auto covers

Question 14

What is an exclusion?

A) covered item

B) premium

C) what policy does NOT cover

D) deductible

Question 15

What is a rider?

A) claim

B) basic policy

C) added coverage option

D) cancel

Question 16

What is coinsurance?

A) copay

B) full coverage

C) premium

D) shared percent after deductible

Question 17

What is an out-of-pocket max?

A) premium

B) deductible

C) unlimited

D) yearly payment ceiling

Question 18

What is an adjuster?

A) collects premiums

B) cancels

C) assesses claim payouts

D) sells policies

Question 19

What is subrogation?

A) canceling

B) insurer recovering from at-fault party

C) doubling payout

D) refunding

Question 20

What is actual cash value?

A) new price

B) agreed value

C) replacement minus depreciation

D) purchase price

US Insurance California Test 6

Test Complete

About This Test