California Life-Only Exam Prep Pack 2026

Study for the California Life-Only exam with a plan, not a pile of notes.

This pack follows the three parts of the California Department of Insurance's Life-Only exam objectives and is weighted the same way the exam is: Part I General Insurance (30%, 22 questions), Part II Life Insurance (65%, 49 questions) and Part III Life Policy Riders (5%, 4 questions). Learn each topic in plain English, practice it right away, then test yourself under exam conditions.

What's inside

- Complete Study Guide (50-page PDF). All 13 exam topics in plain English, with worked examples, comparison tables, "Commonly tested" and "Confusing pairs" boxes, 2-, 4- and 7-day study plans, a key numbers cheat sheet and a glossary index of every flashcard term. Covers the California law tested on the exam: licensing, seniors' protections, replacement, the free look, unfair practices, privacy and claims rules.

- Diagnostic Test (25 questions). Weighted like the exam, with a scoring sheet that tells you which topics to study first.

- Practice Question Bank (415 original questions, 87-page PDF). Part I: 139 · Part II: 253 · Part III: 23. Over a third (152) are short client and agent scenarios. Each question has the answer, a short explanation and tags for topic and difficulty. Also included as an Anki deck and a CSV.

- Two full-length Practice Exams (75 questions each). Each matches the official question count for all 13 topics, with bubble sheets, answer keys, explanations and score-by-topic sheets. These questions aren't in the bank, the diagnostic or the other exam.

- 403 Flashcards. Printable double-sided PDF, Anki deck (with 173 reverse cards where they help), CSV and Quizlet import file.

- High-Yield 120. A 120-card cram deck for your final days: a study list, printable cards and a CSV (tagged in Anki).

- Key Numbers cheat sheet. Deadlines, ages, dollar amounts and rules on one sheet, front and back.

- README with setup steps for Anki, Quizlet and printing.

Current for 2026

Reflects the end of the 20-hour prelicensing course on January 1, 2026 (the 12-hour ethics and Insurance Code course is still required before your license is issued), the 2025 best-interest standard for annuity sales, and the current exam bulletin (75 scored questions, 60% to pass). Where newer law differs from the published exam objectives, the guide tells you what the exam objectives say and what the current rule is.

Good to know

- Educational use only. Not affiliated with or endorsed by the California Department of Insurance or PSI.

- All practice questions are original. They are not actual exam questions.

- Rules change, so verify current rules at insurance.ca.gov before your exam.

- No study product can guarantee a passing score.

- Digital download for personal use. Please don't share or resell.

FAQ

Is this the official exam or a course from the state? No. It's an independent study pack written from the California Department of Insurance's published exam objectives. It isn't affiliated with or endorsed by the Department or PSI.

Are these real exam questions? No. Every question was written for this pack. They're built to match the exam's topics and weighting, not copied from the exam or from any prep course.

Does it cover California law, or just general life insurance? Both. Part I covers California licensing, ethics, senior protections, unfair practices, privacy and claims rules; Part II covers California's replacement, free look, grace period and group conversion rules along with general life and annuity concepts.

Is it up to date? It was checked against the Insurance Code, the exam objectives and the current exam bulletin in October 2026. Laws change, so check insurance.ca.gov before your exam.

I only have a few days. Will this help? Yes. The 2-day and 4-day plans use the diagnostic, the High-Yield 120 and the practice exams to focus your time.

Do I need Anki or Quizlet? No. Everything is also in PDF. Anki and Quizlet files are extras for studying on your phone.

Can I print it? Yes. All PDFs are US Letter, and the flashcards are set up for double-sided printing.

Does it guarantee I'll pass? No study product can. The pack includes a suggested readiness target (75% or more on both practice exams).

Can I get a refund? Because this is a digital download, all sales are final, but message me if you have any trouble with your files.