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California Life & Health Insurance 30-Day Study Plan (2026)
Taking the California Life & Health Insurance exam next month? Days 1–14 read the 10 content areas in the order the exam weights them, starting with California Insurance Code & Ethics at 20%. Days 15–21 are timed topic drills against 716 free practice questions. Days 22–28 are three full 150-question, 180-minute mocks with a repair day after each. Days 29 and 30 are a skim and a rest.
Every chapter, drill and mock below is free on PrepPass. Nothing on this page is an official exam fact — the weights are the ones our study chapters carry, and the 70% figure we use in week 4 is our own readiness bar for this question bank, not a passing score published by California Department of Insurance (CDI).
What the California Life & Health Insurance exam weights
The plan spends reading days in proportion to these weights, so the schedule below is specific to this exam, not a generic 30-day template.
Watch while you work the plan — free California Life & Health Insurance lessons
Subscribe on YouTube →California Life & Health Insurance Exam — 25 Most-Missed Questions (2026)
Weeks 1–2 · Days 1–14
Read every content area once, heaviest first. California Insurance Code & Ethics is 20% of the exam, so it gets 2 of the 14 reading days, while Federal Tax Treatment of Life Insurance, Annuities, and Health Benefits at 2% gets 1.
- Day 1
Read: California Insurance Code & Ethics (part 1 of 2)
The Insurance Commissioner and the Department of Insurance · Who Must Be Licensed: Agents, Brokers, and Solicitors · Appointment, Address Changes, and Fictitious Names · Continuing Education · Fiduciary Duty and the Premium Trust Fund · The Unfair Practices Act: §790.03. California Insurance Code & Ethics is 20% of the exam — the largest block on the blueprint. Finish with the California Insurance Code & Ethics practice set — 42 free questions.
- Day 2
Read: California Insurance Code & Ethics (part 2 of 2)
Replacement of Life Insurance and Annuities · Senior Protections (§§785-789.10) · Annuity Suitability · Long-Term Care, Privacy, and Prompt Payment of Claims · License Discipline: Grounds and Sanctions · Insurable Interest and Free-Look Quick Reference. Carry on where day 1 stopped. Finish with the California Insurance Code & Ethics practice set — 42 free questions.
- Day 3
Read: Life Insurance Fundamentals (part 1 of 2)
Term Life Insurance: Pure Protection · Renewability and Convertibility of Term · Whole Life Insurance: Permanent Coverage with Cash Value · Universal Life (UL): Flexible Premium, Adjustable Death Benefit · Indexed UL and Variable Life: Linking Cash Value to Markets. Life Insurance Fundamentals is 15% of the exam — the 2nd-largest block on the blueprint. Finish with the Life Insurance Fundamentals practice set — 89 free questions.
- Day 4
Read: Life Insurance Fundamentals (part 2 of 2)
Specialty Forms: Survivorship, Endowment, and Modified · How Premiums Are Calculated: Mortality, Interest, Expenses · Risk Classification and Underwriting Tools · Insurable Interest, STOLI, and Replacement Concerns · Business and Estate Uses: Key Person, Buy-Sell, ILIT. Carry on where day 3 stopped. Finish with the Life Insurance Fundamentals practice set — 89 free questions.
- Day 5
Read: Life Policy Provisions, Options, and Riders (part 1 of 2)
Required Policy Provisions · The California Free-Look Period · Settlement Options for the Death Benefit · Nonforfeiture Options When the Policy Lapses · Dividend Options on Participating Policies. Life Policy Provisions, Options, and Riders is 15% of the exam — the 3rd-largest block on the blueprint. Finish with the Life Policy Provisions, Options, and Riders practice set — 105 free questions.
- Day 6
Read: Life Policy Provisions, Options, and Riders (part 2 of 2)
Beneficiary Designations · Policy Ownership, Loans, and Assignment · Conversion Privileges · Common Life Insurance Riders · Living Benefit Riders: Accelerated Benefits and Long-Term Care. Carry on where day 5 stopped. Finish with the Life Policy Provisions, Options, and Riders practice set — 105 free questions.
- Day 7
Read: General Insurance Principles (part 1 of 2)
What Insurance Is and the Definition of Risk · Pure Risk vs. Speculative Risk and the DICE Test · The Law of Large Numbers · Hazards: Physical, Moral, Morale, and Legal · Adverse Selection and How Underwriting Controls It. General Insurance Principles is 10% of the exam — the 4th-largest block on the blueprint. Finish with the General Insurance Principles practice set — 91 free questions.
- Day 8
Read: General Insurance Principles (part 2 of 2)
Elements Required for Any Legal Contract · Special Characteristics of an Insurance Contract · Utmost Good Faith, Representations, Warranties, Concealment, and Fraud · Insurable Interest, Indemnity, and Subrogation · Parties to the Contract and Types of Insurers. Carry on where day 7 stopped. Finish with the General Insurance Principles practice set — 91 free questions.
- Day 9
Read: Group Life Insurance and Annuities
How a Group Life Contract Works · Conversion to an Individual Policy · Section 79 and the $50,000 Tax-Free Limit · ERISA: The Federal Framework for Employee Benefit Plans · Annuities: Insurance Against Outliving Your Money · Fixed, Variable, and Indexed Annuities · Funding, Phases, and Immediate vs Deferred · Settlement Options, Surrender Charges, 1035 Exchanges, and the 59½ Penalty. Group Life Insurance and Annuities is 10% of the exam — the 5th-largest block on the blueprint. Finish with the Group Life Insurance and Annuities practice set — 88 free questions.
- Day 10
Read: Accident & Health Insurance Fundamentals
1. Types of medical plans (HMO, PPO, EPO, POS, indemnity) · 2. Knox-Keene Act — DMHC regulates HMOs; CDI regulates PPOs and traditional health · 3. Major medical & cost-sharing vocabulary · 4. ACA essentials (10 essential health benefits, no pre-existing exclusions, dependents to 26) · 5. Metal tiers and Covered California · 6. Federal vs California individual mandate · 7. COBRA (federal) vs Cal-COBRA · 8. HIPAA portability · 9. HSA, FSA, and HRA tax-advantaged accounts · 10. Network types and self-funded stop-loss. Accident & Health Insurance Fundamentals is 10% of the exam — the 6th-largest block on the blueprint. Finish with the Accident & Health Insurance Fundamentals practice set — 74 free questions.
- Day 11
Read: Accident & Health Policy Provisions and Riders
The Uniform Individual A&H Policy Provisions Law (UPPL) · Required Provisions 1-4: Entire Contract, Incontestability, Grace Period, Reinstatement · Required Provisions 5-7: Notice of Claim, Claim Forms, Proof of Loss · Required Provisions 8-9: Time of Payment of Claims and Payment of Claims · Required Provisions 10-12: Physical Exams, Legal Actions, Change of Beneficiary · Optional Provisions · Renewability Classifications · Coordination of Benefits (COB) · Common Riders · Probationary, Elimination, and Pre-Existing Condition Periods. Accident & Health Policy Provisions and Riders is 10% of the exam — the 7th-largest block on the blueprint. Finish with the Accident & Health Policy Provisions and Riders practice set — 71 free questions.
- Day 12
Read: Disability Income & Long-Term Care Insurance
Purpose and the Definitions of Total Disability · Elimination Period, Benefit Period, and Benefit Amount · Short-Term and Long-Term Disability · Partial, Residual, Presumptive, and Recurrent Disability · Riders and Business-Use Disability Products · Long-Term Care Insurance: Purpose and Covered Services · Benefit Triggers: Activities of Daily Living and Cognitive Impairment · California LTC Reform Act, Partnership, and Pre-Existing Conditions. Disability Income & Long-Term Care Insurance is 5% of the exam — the 8th-largest block on the blueprint. Finish with the Disability Income & Long-Term Care Insurance practice set — 58 free questions.
- Day 13
Read: Senior Insurance — Medicare, Medigap, and Senior Protections
Medicare Parts A, B, C, and D · Medicare Eligibility · Enrollment Periods · Late Enrollment Penalties · Medigap Standardized Plans · Federal Open Enrollment and California Birthday Rule · California Senior Protections (CIC §§785-789) · Senior Marketing Rules. Senior Insurance — Medicare, Medigap, and Senior Protections is 3% of the exam — the 9th-largest block on the blueprint. Finish with the Senior Insurance — Medicare, Medigap, and Senior Protections practice set — 42 free questions.
- Day 14
Read: Federal Tax Treatment of Life Insurance, Annuities, and Health Benefits
Life Insurance Death Benefit · Cash Value Growth and Withdrawals · Policy Loans and the MEC Trap · Section 1035 Exchanges · Annuity Taxation · Health, Disability Income, and Long-Term Care Taxation. Federal Tax Treatment of Life Insurance, Annuities, and Health Benefits is 2% of the exam — the 10th-largest block on the blueprint. Finish with the Federal Tax Treatment of Life Insurance, Annuities, and Health Benefits practice set — 56 free questions.
Week 3 · Days 15–21
Stop reading, start retrieving. One timed drill per day, still in blueprint-weight order, so the heaviest areas get a second pass inside the week.
- Day 15
Drill: California Insurance Code & Ethics
Work the California Insurance Code & Ethics set straight through — 42 free questions, 20% of the exam. Read the explanation on every miss before moving on.
- Day 16
Drill: Life Insurance Fundamentals
Work the Life Insurance Fundamentals set straight through — 89 free questions, 15% of the exam. Read the explanation on every miss before moving on.
- Day 17
Drill: Life Policy Provisions, Options, and Riders
Work the Life Policy Provisions, Options, and Riders set straight through — 105 free questions, 15% of the exam. Read the explanation on every miss before moving on.
- Day 18
Drill: General Insurance Principles
Work the General Insurance Principles set straight through — 91 free questions, 10% of the exam. Read the explanation on every miss before moving on.
- Day 19
Drill: Group Life Insurance and Annuities
Work the Group Life Insurance and Annuities set straight through — 88 free questions, 10% of the exam. Read the explanation on every miss before moving on.
- Day 20
Drill: Accident & Health Insurance Fundamentals
Work the Accident & Health Insurance Fundamentals set straight through — 74 free questions, 10% of the exam. Read the explanation on every miss before moving on.
- Day 21
Drill: Accident & Health Policy Provisions and Riders
Work the Accident & Health Policy Provisions and Riders set straight through — 71 free questions, 10% of the exam. Read the explanation on every miss before moving on.
Week 4 · Days 22–28
Three full timed mocks (150 questions, 180 minutes each) with a repair day after each one. Score movement between them is the only signal that matters this week.
- Day 22
Full timed mock #1
150 questions in 180 minutes, one sitting, no notes. Whatever you score, this is your baseline — write it down.
- Day 23
Review mock #1
No new material. Re-read the explanation for every question you missed, then re-drill the two content areas you scored lowest on.
- Day 24
Full timed mock #2
150 questions in 180 minutes, one sitting, no notes. Compare it against your day-22 baseline, area by area.
- Day 25
Rebuild: California Insurance Code & Ethics
California Insurance Code & Ethics is 20% of the exam — more marks than any other area, so it is worth a full day on its own. Re-read the chapter, then redo its 42-question set.
- Day 26
Weak-area day
Still no new material. Re-drill only the questions you have missed so far — the practice engine can serve you exactly those.
- Day 27
Full timed mock #3
150 questions in 180 minutes, one sitting, no notes. We call you practice-ready at 70% or better on a full timed mock. That is PrepPass's bar for our own question bank, not the exam's passing score.
- Day 28
Review mock #3 · Life Insurance Fundamentals
Review every miss from mock #3, then re-read Life Insurance Fundamentals (15% of the exam) — the second-heaviest area is where a near-miss score is usually decided.
Final 2 days · Days 29–30
Consolidate and stop. Nothing new goes in.
- Day 29
Skim everything
One pass over all 10 content areas — headings and rules only. Nothing new goes in today.
- Day 30
Rest and logistics
No studying. Confirm your test center, your ID, and your start time, then sleep.
Practice stays free. The full Life & Health Insurance Producer study guide is the material itself, taught start to finish — a downloadable PDF + EPUB you keep.
Start day 1 now
California Insurance Code & Ethics is the heaviest area on the blueprint at 20%, and 42 of our free questions cover it. Read the chapter, then drill it.
A study aid, not a substitute for the official material — always confirm current requirements with California Department of Insurance (CDI). The 70% target in week 4 is PrepPass's own practice-readiness bar on our question bank; it is not an official passing score. Last verified: September 2026.