California Insurance Code & EthicsQuestion 58 of 716
California's senior insurance protections (§§785-789.10) impose heightened duties when selling to consumers age:
a.70 and older
b.65 and older
c.75 and older
d.55 and older
Explanation
California defines a senior for these consumer-protection statutes as a person 65 years of age or older. Heightened standards of disclosure, suitability, and good faith apply.
Law Reference: Cal. Ins. Code §785This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 716 questions free — no signup required.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Related questions on this topic
- An agent wants to schedule an in-home appointment with a 78-year-old prospect to discuss life insurance and annuity products. What advance notice must the agent provide?
- The free-look (right-to-examine) period for an individual life insurance policy issued to a person age 65 or older in California is:
- Before an agent may sell an annuity in California, what training requirement applies?
- If a life insurance policy or annuity is sold to a senior using funds from the surrender of an existing annuity, the consumer must receive a written disclosure that includes:
- Which of the following is a permissible ground for the Commissioner to deny, suspend, or revoke an agent's license?
- If a licensee's address, name, or background information changes, the licensee must notify the Commissioner within how many days?
Last reviewed: · editorial process
PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)