What Is the Required Score?
California requires candidates to score at least 70 % on the Life and Health Insurance Exam to pass. The exam is a multiple‑choice test, and each correct answer earns one point. The total number of questions varies by exam type, but a 70 % threshold is consistent across all life and health insurance licensure tests in the state.
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Exam Structure and Content
The California Department of Insurance (CDI) administers the exams. Each exam comprises 150 multiple‑choice questions, divided into two 75‑question sections that are taken back‑to‑back. Candidates have 3 hours to complete the entire test. The questions cover topics such as:
- Insurance fundamentals and terminology
- Legal and regulatory requirements specific to California
- Product knowledge (life, health, annuities, long‑term care)
- Ethics and professional conduct
- Risk management and underwriting principles
Scoring Methodology
Unlike some states that use a scaled score, California's exam uses a straight percentage. Each correct answer contributes equally, and there is no penalty for wrong answers. Therefore, a candidate must answer at least 105 out of 150 questions correctly to reach the 70 % passing mark.
Preparing for the 70 % Threshold
Because the exam is content‑heavy, a focused study plan is essential. Recommended steps include:
- Review the CDI's exam content outline, which lists the weight of each topic area.
- Use official study guides and practice exams from reputable publishers such as Kaplan and ExamPro.
- Schedule daily study sessions, allocating extra time to high‑weight topics like California insurance law.
- Take timed practice tests to build endurance for the 3‑hour duration.
- Join study groups or online forums to discuss challenging concepts.
What Happens If You Don't Pass?
Failing the exam results in a 30‑day window to retake it. Each retake costs a separate fee and requires re‑submission of the application. The CDI allows up to three attempts per licensing category before a candidate must wait 30 days before retaking. Consistently scoring below 70 % often indicates a need for deeper review of foundational concepts.
Final Tips for Success
Focus on understanding rather than memorizing. The 70 % cutoff rewards applicants who can apply knowledge to scenario‑based questions. Practice with real‑world case studies, and keep abreast of any changes in California's insurance statutes. Consistent, structured study and a clear grasp of the exam's legal context are the keys to achieving that 70 % pass rate.