California Life Insurance Practice Exam Free - 2026
California licenses more insurance producers than any other state, all regulated by the California Department of Insurance. Competition is real - use unlimited free practice with explanations to make sure you pass the first time. Access 240+ free Life Insurance questions with detailed explanations.
How the California Life Insurance exam compares
The California Life exam is 75 questions, 90 minutes, a 60% cut score. The examination fee is $55.
That 60% pass mark is below the 70% most states use. The content outline is no shorter, so the margin is more forgiving - the material is not.
It is shorter than the typical Life exam of about 96 questions, so each item carries more weight.
California requires 12 hours of prelicensing education before you can take the exam.
Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL.
Figures above are taken from CDI - Examinations: Time Limit and Number of Questions (+ CDI fee schedule and AB 943 notice) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.
Choose Your Practice Mode
- Vendor: PSI
- Questions: 75 questions (Life-Only Agent; pretest split not published)
- Time limit: 90 minutes
- Passing: 60%
- Exam fee: $55
- Prelicensing: 20-hour per-line prelicensing repealed effective Jan 1, 2026 (AB 943); 12 hours of Ethics & California Insurance Code study still required before license issuance
Verified July 2026 from the CDI - Examinations: Time Limit and Number of Questions (+ CDI fee schedule and AB 943 notice). Always confirm with the current official candidate handbook.
Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.
California Life Insurance Exam Topics
Free California Life Practice Questions with Answers
12 sample questions from the 240-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.
Want to study offline? Download the free Life questions & answers PDF.
Frequently Asked Questions
Other Insurance Exams in California
Prepare for multiple insurance licenses in California
Official California Insurance Resources
Important external links for California insurance licensing information
California Department of Insurance
Official state regulator for insurance licensing, requirements, and exam information.
NAIC - National Association of Insurance Commissioners
The standard-setting and regulatory support organization for state insurance regulators.
Prometric Testing Services
Official testing provider for insurance licensing exams in many states.
PSI Services
Insurance licensing exam administration for select states.
Ready to Start Practicing?
Choose a practice mode above and begin your free California Life Insurance exam preparation today.
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