What is the cheapest way to prepare for the California Life & Health Insurance Producer exam?

Start with what costs nothing: 716 practice questions on PrepPass, with explanations and no signup. If you want it taught in one file you keep, the full study guide is $14.99 once; the printable cram sheet for the last days is $9.99. No subscription on any of them.

Who administers the California Life, Accident and Health (or Sickness) Agent Licence Examination?

California Department of Insurance (CDI), Producer Licensing Bureau — exam delivered by PSI Services LLC. CDI confirms PSI as the current examination vendor on its own scheduling page.

How many questions are on the California Life, Accident and Health (or Sickness) Agent Licence Examination?

150 questions. CDI and PSI publish no per-exam count of unscored items — only the rule that “a small number of one to ten experimental items, generally, approximately 10% of the number of questions” may be added, unscored, and that they count against examination time. Do not compute a per-exam figure from that.

How long is the California Life, Accident and Health (or Sickness) Agent Licence Examination?

195 minutes. Unreconciled conflict between two official sources: the Candidate Information Bulletin revised March 2026 says 195 minutes for the combined exam and 105 minutes each for Life and for Accident & Health, while CDI's own Examination Times table says 3 hours and 1.5 hours. The bulletin figure is shown because it is the document CDI hands candidates; both are linked.

What is the passing score for the California Life, Accident and Health (or Sickness) Agent Licence Examination?

60%. CDI: all producer license examinations require a 60 percent score to pass (adjuster and bail examinations require 70 percent). No sectional or per-subject cut score is published — the March 2026 Candidate Information Bulletin was searched in full and contains none. A failing candidate receives a per-topic diagnostic, which is a diagnostic, not a cut score.

How much does the California Life, Accident and Health (or Sickness) Agent Licence Examination cost?

$188 — Licence filing fee (California Department of Insurance, one-time); $55 — Examination fee, per examination (California Department of Insurance, per attempt); $43 — Convenience fee to test at a PSI location (PSI Services LLC, per attempt); $74 — Live Scan fingerprinting (FBI, DOJ and Capital Live Scan components combined) (Capital Live Scan / FBI / California DOJ, one-time). The renewal fee equals the filing fee; a late renewal is charged at a higher rate. The Live Scan total is the sum of three separately published components, and the Capital Live Scan vendor is new — the Candidate Information Bulletin carries a front-page alert about the change.

What languages is the California Life, Accident and Health (or Sickness) Agent Licence Examination offered in?

English · Spanish · Simplified Chinese · Vietnamese · Korean · Tagalog. Offered under AB 451 (Chapter 136, Statutes of 2023), which required CDI to offer license examinations in Spanish, Simplified Chinese, Vietnamese and Korean from 1 January 2024; § 1677 adds Tagalog from 1 July 2024, making six. CDI's own Examination Times table is stale on this point and still lists only Spanish variants.

How much does the California Life & Health Insurance Producer cram sheet cost?

$9.99, once. There is no subscription and no account to create; the PDF file is yours to keep.

What is the difference between the California Life & Health Insurance Producer study guide and the cram sheet?

The study guide ($14.99) teaches the material chapter by chapter and is meant to be read over weeks. The cram sheet ($9.99, 69 pages) drops the teaching and keeps the figures: every number on the exam grouped by value so the confusable ones sit together, each reference page paired with a recall page that blanks the answers, and four routes by days left — 14, 7, 3, or tonight. They are separate purchases; neither replaces the other.

Is this the official California Life & Health Insurance Producer cram sheet?

No. This is an independent cram sheet and is not affiliated with or endorsed by the exam's awarding body. It is written from NAIC model acts / IRC / ACA / CMS. Always confirm current requirements with the body that issues your licence.

California Life & Health Insurance Producer · 2026 Edition

California Life & Health Insurance Producer — Cram Sheet (2026)

Every figure the California Life & Health Insurance Producer exam turns on, pooled by value on reference sheets with a recall twin — and four routes through them: 14 days, 7, 3, or tonight.

69-page printable cram packet: the figures without the teaching, each reference page paired with a recall page you fill in from memory
Cross-referenced against NAIC model acts / IRC / ACA / CMS
716 free practice questions for this exam stay free on PrepPass

PDF · English · 69 pages · $9.99 one-time

This cram sheet is written in English.

Instant download after payment — no account needed, no subscription.

14-day money-back guarantee: not satisfied for any reason? Email support@preppass.org within 14 days of purchase for a full refund. Refund policy

Look inside the book

Three real pages, rendered straight from the PDF you download — a reference page, a teaching page, and a worked question, always in that order. Nothing here was redrawn to look better.

How it's taught
PDF page 2
An explanation page: the material taught in prose, in the order the exam tests it.
How it's taught
PDF page 48
An explanation page: the material taught in prose, in the order the exam tests it.
How it's taught
PDF page 49
An explanation page: the material taught in prose, in the order the exam tests it.

About the exam itself

California Life, Accident and Health (or Sickness) Agent Licence Examination — Exam facts
Administering body	California Department of Insurance (CDI), Producer Licensing Bureau — exam delivered by PSI Services LLC Source: PSI / California Department of Insurance — Candidate Information Bulletin for California Insurance License Examinees (revised March 2026)
Questions	150 questions Source: PSI / California Department of Insurance — Candidate Information Bulletin for California Insurance License Examinees (revised March 2026)
Time limit	195 minutes Source: PSI / California Department of Insurance — Candidate Information Bulletin for California Insurance License Examinees (revised March 2026)
Passing score	60% Source: CDI — Examination Times and Number of Questions (CDI website table; stale on languages and, for time limits, disagrees with the CIB)
Fees	$188 — Licence filing fee (California Department of Insurance, one-time) $55 — Examination fee, per examination (California Department of Insurance, per attempt) $43 — Convenience fee to test at a PSI location (PSI Services LLC, per attempt) $74 — Live Scan fingerprinting (FBI, DOJ and Capital Live Scan components combined) (Capital Live Scan / FBI / California DOJ, one-time) Source: CDI — Licensing Fees
Languages offered	English · Spanish · Simplified Chinese · Vietnamese · Korean · Tagalog Source: CDI — Notice: License Examinations Available in Multiple Languages (AB 451, Chapter 136, Statutes of 2023) (PDF)

Exam facts, with a source for every line

Questions buyers ask

What is the cheapest way to prepare for the California Life & Health Insurance Producer exam?: Start with what costs nothing: 716 practice questions on PrepPass, with explanations and no signup. If you want it taught in one file you keep, the full study guide is $14.99 once; the printable cram sheet for the last days is $9.99. No subscription on any of them.
Who administers the California Life, Accident and Health (or Sickness) Agent Licence Examination?: California Department of Insurance (CDI), Producer Licensing Bureau — exam delivered by PSI Services LLC. CDI confirms PSI as the current examination vendor on its own scheduling page.
How many questions are on the California Life, Accident and Health (or Sickness) Agent Licence Examination?: 150 questions. CDI and PSI publish no per-exam count of unscored items — only the rule that “a small number of one to ten experimental items, generally, approximately 10% of the number of questions” may be added, unscored, and that they count against examination time. Do not compute a per-exam figure from that.
How long is the California Life, Accident and Health (or Sickness) Agent Licence Examination?: 195 minutes. Unreconciled conflict between two official sources: the Candidate Information Bulletin revised March 2026 says 195 minutes for the combined exam and 105 minutes each for Life and for Accident & Health, while CDI's own Examination Times table says 3 hours and 1.5 hours. The bulletin figure is shown because it is the document CDI hands candidates; both are linked.
What is the passing score for the California Life, Accident and Health (or Sickness) Agent Licence Examination?: 60%. CDI: all producer license examinations require a 60 percent score to pass (adjuster and bail examinations require 70 percent). No sectional or per-subject cut score is published — the March 2026 Candidate Information Bulletin was searched in full and contains none. A failing candidate receives a per-topic diagnostic, which is a diagnostic, not a cut score.
How much does the California Life, Accident and Health (or Sickness) Agent Licence Examination cost?: $188 — Licence filing fee (California Department of Insurance, one-time); $55 — Examination fee, per examination (California Department of Insurance, per attempt); $43 — Convenience fee to test at a PSI location (PSI Services LLC, per attempt); $74 — Live Scan fingerprinting (FBI, DOJ and Capital Live Scan components combined) (Capital Live Scan / FBI / California DOJ, one-time). The renewal fee equals the filing fee; a late renewal is charged at a higher rate. The Live Scan total is the sum of three separately published components, and the Capital Live Scan vendor is new — the Candidate Information Bulletin carries a front-page alert about the change.
What languages is the California Life, Accident and Health (or Sickness) Agent Licence Examination offered in?: English · Spanish · Simplified Chinese · Vietnamese · Korean · Tagalog. Offered under AB 451 (Chapter 136, Statutes of 2023), which required CDI to offer license examinations in Spanish, Simplified Chinese, Vietnamese and Korean from 1 January 2024; § 1677 adds Tagalog from 1 July 2024, making six. CDI's own Examination Times table is stale on this point and still lists only Spanish variants.
Does the California Life & Health Insurance Producer cram sheet come as a PDF?: Yes — California Life & Health Insurance Producer — Cram Sheet (2026) downloads as PDF, 69 pages. The download link is emailed the moment payment clears and does not expire.
How much does the California Life & Health Insurance Producer cram sheet cost?: $9.99, once. There is no subscription and no account to create; the PDF file is yours to keep.
Are there free California Life & Health Insurance Producer practice questions?: Yes — 716 of them, free to use with no signup and an explanation on every one. They are separate from this cram sheet, which is what you are buying here.
What is the difference between the California Life & Health Insurance Producer study guide and the cram sheet?: The study guide ($14.99) teaches the material chapter by chapter and is meant to be read over weeks. The cram sheet ($9.99, 69 pages) drops the teaching and keeps the figures: every number on the exam grouped by value so the confusable ones sit together, each reference page paired with a recall page that blanks the answers, and four routes by days left — 14, 7, 3, or tonight. They are separate purchases; neither replaces the other.
Is this the official California Life & Health Insurance Producer cram sheet?: No. This is an independent cram sheet and is not affiliated with or endorsed by the exam's awarding body. It is written from NAIC model acts / IRC / ACA / CMS. Always confirm current requirements with the body that issues your licence.

Free California Life & Health Insurance Producer practice questions and study chapters →

What's included — and what isn't

Included

Every figure pooled by value — the exam's own confusable sets side by side, each inside the clause that makes it right
A RECALL twin of every REFERENCE sheet: same rules, same positions, figures blanked — print double-sided, cover, write, flip
A concept self-test for the rules with no figure to blank
Four routes through the same pages: 14 days, 7 days, 3 days, tonight
A fold-out exam-morning card of the figures two or more rules share
Every rule id links to the free chapter that teaches it

Not included

No printed copy is shipped — this is a file you download and can print yourself
No video course, instructor or tutoring comes with the book — the free videos on the site are separate
Not your exam registration or the testing centre's fee, which you still pay to the official body

Before you buy

How do I get it?: Pay, and the download appears on this page straight away. The links are also emailed to you. No account is required.
What if it isn't for me?: Email us within 14 days for a full refund, no questions asked.
Is the free practice going away?: No. Every practice question, the timed mock and the free chapters on this site stay free. This packet is the exam's figures arranged for recall, not a gate around the free half.
Can I read it on my phone?: Yes — it is a PDF, which opens on phones, tablets and computers and prints cleanly. There is no EPUB edition of this one.

Full refund policy

The details

Every figure the California Life & Health Insurance Producer exam turns on, pooled by value on reference sheets with a recall twin — and four routes through them: 14 days, 7, 3, or tonight.

PrepPass team · Verified against NAIC model acts / IRC / ACA / CMS · How we review

Format: PDF download · 69 pages
716 free practice questions for this exam on PrepPass, included at no cost
$9.99 one-time — no subscription
14-day money-back guarantee · refund policy
Cross-referenced against: NAIC model acts / IRC / ACA / CMS
Last updated: September 2026

Verified from the official source(NAIC model acts / IRC / ACA / CMS)
716 free practice questions
Instant download, yours for life

What the cram packet is for

The practice questions and timed mock stay free. This $9.99 packet is not a shorter study guide: it drops the teaching and keeps the exam's figures, set out for the last days before the exam.

Reference pages of the exam's figures, each paired with a recall page that blanks them — print double-sided, cover, write, flip
Four routes through the same pages, by days left: 14, 7, 3, or tonight
Print-ready PDF — made to be printed and written on
Yours for life — one-time $9.99, instant download, no subscription

And it's risk-free: 14-day money-back guarantee — not satisfied? Email us for a full refund, no questions asked. See the refund policy.

Get the PDF — $9.99 ↑

14-day money-back guarantee · full refund, no questions asked.

One-time purchase, lifetime access to the download. The download is a single PDF. Educational summary, not professional or legal advice — always confirm the current rules with the official source. Last updated: September 2026.