California still requires a separate 12-hour Ethics & California Insurance Code course (including fraud) from a CDI-approved provider before your license can be issued. GetLicensedCA does not provide that course. CDI ethics course FAQ.
California Life and Health exam prep
Pass the California Life & Health insurance exam. Start with a free practice test.
Course modules, a 1,000+ question bank, the Full Exam Simulator (150 questions, timed), flashcards, an exam day checklist, and an AI Study Tutor. Start 3 days free, then $12.99 a month. Cancel anytime.
In English or Spanish. See your weak areas.
3 days free, then $12.99/month. Cancel anytime.
3 days free, then $12.99/month. Cancel anytime. Built around the California PSI outline. Already tested? Drill weak areas
1,000+
Exam-style practice questions
24/7
AI Study Tutor on demand
AI Study Tutor in English & Spanish
Teaches fluently in English and Spanish
Timed Practice Tests
Prepares you for the actual Exam
How it works
Free Timed Practice Test, see weak areas, then study with the AI Study Tutor, question bank, flashcards and course modules.
- 1
Free Timed Practice Test
Take a timed practice exam that maps readiness across Life, L&H, and California law weak areas.
- 2
See weak areas
Get a clear scorecard that ranks where you are shaky, weighted by what matters on the California outline.
- 3
Study with the AI Study Tutor, question bank, flashcards and course modules
Work through the course modules, drill 1,000+ original questions, review key terms with flashcards, and ask the AI Study Tutor when a topic still feels fuzzy.
AI Study Tutor · English and Spanish
Get clear answers to California Life & Health insurance exam questions
Paste or type your question
Drop in a study question, a confusing stem, or a weak area topic. The AI Study Tutor gives a direct answer and a plain-language rationale scoped to the California Life & Health insurance exam.
Still confused?
Ask the AI Study Tutor to simplify, give an example, or contrast look-alike terms (owner vs insured, MEC vs non-MEC, free look vs grace period) until it clicks.
English or Spanish
The AI Study Tutor helps you prepare in English or Spanish. Write in either language and it answers in the same one, so you can study the way you think.
AI Study Tutor
EN / ES
Respuesta directa:
El beneficiario recibe el beneficio por fallecimiento. El dueño controla la póliza (puede cambiar un beneficiario revocable, pedir préstamos, etc.). Pueden ser la misma persona, pero no tienen que serlo.
Tip de examen: identifica el rol que pregunta el stem (owner vs insured vs beneficiary).
All the tools you need for exam day
Practice, weak areas, and the AI Study Tutor in one place for the California Life & Health insurance exam.
Timed practice + Q-bank
Take a Free Timed Practice Test, then drill 1,000+ questions across the topics that show up on the California Life & Health insurance exam.
Start free practiceWeak areas + AI Study Tutor
See where you are shaky, then ask the AI Study Tutor in English or Spanish so you understand the concept, not just the answer key.
Ask the AI Study TutorCalifornia-focused plans
Start 3 days free, then $12.99 a month, or pay $69 once for Lifetime. Built for California outlines instead of a generic national dump.
See pricingHow the prices compare
California Life and Health exam prep.
| GetLicensedCA | Kaplan | ExamFX | XCEL | Achievable | |
|---|---|---|---|---|---|
| Price | $12.99/mo or $69 lifetime | $79 to $389 | From $169.95 | $199 to $299 | $149 / year |
| Access length | While subscribed, or lifetime | 60 days (extensions sold) | 60 days | 30 + 30 days | Full year |
| Spanish included | Yes | Not listed | Yes (Spanish materials / toggle) | Not listed | Not listed |
| AI Study Tutor included | Yes (AI Study Tutor) | Yes (Kaplan AI Tutor) | ClaireAI™ mentioned | Yes (Rubi™) | Not listed |
| Includes 12-hr Ethics course | No (exam prep only) | Ethics packages available | Bundled with Code & Ethics | With Ethics packages | Separate $79 ethics course |
| Free practice test | Yes | Not listed | Not listed | Not listed | Not listed |
Checked Nov 4, 2026 from public pages: Kaplan, ExamFX, XCEL, Achievable. "Not listed" means we did not see it clearly on that page. Prices may change. GetLicensedCA is exam prep only and does not provide the CDI-approved 12-hour Ethics course.
Who this is for
- You are preparing for the California Life & Health insurance exam for the first time.
- You finished a course and still feel shaky on Life, L&H, or California law.
- You want Monthly ($12.99) or Lifetime ($69) access with unlimited AI Study Tutor help, not another long course.
Pricing
Study for your license free for 3 days, then $12.99 a month. Cancel anytime. Prefer to pay once? Lifetime is $69. The Free Timed Practice Test stays free.
3 days free
Monthly, then $12.99/month
Cancel anytime · unlimited AI Study Tutor
Best value$69
Lifetime
One payment · no renewals · unlimited AI Study Tutor
Pass or your money back
Didn't pass on your first try? Email us and we'll refund you. See how it works
See full feature lists on Pricing including QOTD, Dictionary, progress report, and exam-day checklist.
Study key terms with flashcards
Flip through the California Life and Health terms that show up on the exam, and mark the onesyou want to see again.
Try 20 free flashcardsFree resources
Articles, Dictionary, QOTD, California resources, and a free exam day checklist PDF you can use before you unlock a plan.
Articles
Short study notes on exam day, weak areas, and Life vs L&H in California.
Dictionary
Quick definitions for terms that show up on Life and L&H questions.
Question of the Day
One practice item a day, with optional email signup.
California resources
Pointers for California licensing paths, exam logistics, and official links.
Free exam day checklist PDF
Printable checkboxes for IDs, timing, what to bring, and pacing. Enter your email to download.
2026-11-04
How Many Questions on the California Life and Health Exam?
California Life & Health insurance exam question counts: Life-Only 75, Accident and Health 75, combined Life Accident & Health 150 scored questions (plus up to 10 unscored), with PSI times and the 60% pass mark.
2026-11-04
Life vs Life and Health in California: Which Exam Path Fits You?
California Life-Only Agent vs Accident and Health Agent vs the combined California Life & Health insurance exam: what each license sells, question counts, fees, and how to choose.
2026-11-04
Failed the California Life Exam? What to Do Next
Failed the California Life & Health insurance exam or Life-Only exam? How to read the PSI score report, when you can retake, the 10-fail rule, and a calm rebuild plan.
FAQ
What is the Free Timed Practice Test?
A free timed practice exam gated by name and email in your browser. It maps weak areas across Life, L&H, and California law so you know where to drill next.
How does pricing work?
Monthly starts with 3 days free, then $12.99 a month. Cancel anytime from your account, and if you cancel before the trial ends you pay nothing. Or pay $69 once for Lifetime.
What are the AI Study Tutor message limits?
The AI Study Tutor is included with paid Monthly and Lifetime plans only (unlimited). There is no free AI Study Tutor allowance. The Free Timed Practice Test is available in English or Spanish (en español at /es/diagnostico). The full question bank and Study practice are in English, and the AI Study Tutor can explain any question in Spanish when you ask.
Do you offer continuing education (CE)?
Not yet. CE credit is deferred and may come later. Today the product is exam practice, weak area drills, and AI Study Tutor help.
What is the email Question of the Day?
Optional QOTD email sends a practice question on a cadence you can join from /qotd. It is separate from plan checkout and stays optional.
What is your refund policy?
Pass or your money back. If you don't pass your California Life & Health exam on your first try, email hello@getlicensedca.com within 14 days and we'll refund your last 3 months (Monthly) or your $69 (Lifetime). No hoops. Monthly also starts with 3 days free, so cancel from your account before the trial ends and you pay nothing.
California exam facts
Many candidates do not pass on the first try. Practice helps.
~59%
Combined Life/A&H English first-time (Jan–Aug 2026)
9,680
English first-time combined exam takers in that window
~30%
Spanish-language pass rate (early 2026)
Why we built GetLicensedCA
Most California insurance prep courses cost $150 to $300, and many expire in 60 days. That is a lot to pay for a short window, especially when you are still working toward your first paycheck in the business.
So we built a simpler option. GetLicensedCA gives you real exam style practice, a free timed test in English or Spanish so you can see where you stand, and an AI Study Tutor that explains in both languages, at a price people can afford.
Thank you for studying here. We hope it helps you pass.
Kevin, Founder of GetLicensedCA
California no longer requires the old 20-hour prelicensing course for Life/A&H (AB 943), but you still need a 12-hour Ethics & CIC course from a CDI-approved provider before the license is issued. Pass the PSI exam, apply, and complete Live Scan as directed. Practice questions on GetLicensedCA are original.
Try GetLicensedCA for free
Take the Free Timed Practice Test, or get full access free for 3 days. Then $12.99 a month, cancel anytime.