PrepLumaLife Insurance
Policies, annuities, provisions, underwriting, taxation, and their applications.
Course availableGet ready for
California Life
Get ready for
California Life.
Build a clear study plan with 900 California-specific questions, guided lessons, Review for missed and saved questions, and realistic mock exams.
Start the free previewStart with three free lessons. Build from there.
Account required. No payment method required.
80
Focused lessons
Clear explanations of Life insurance concepts and California rules.
900
Practice questions
Exam-style practice with explanations for every answer.
Review + mock exams
Revisit missed and uncertain material. Practice with short and full-length mocks.
- App and web access
- Your progress in one place
- Study on your schedule
Official exam blueprint
What’s on the California Life exam?
The linked official outline divides the exam into three content areas. Its version alignment with the current index remains unresolved.
General Insurance
Insurance principles, contracts, regulation, producer duties, and ethics.
Life Policy Riders
How riders change a policy’s coverage and benefits.
Official objectives: California Department of Insurance examination objectivesCalifornia Department of Insurance linked Life License Examination Objectives document, revised July 8, 2019 The index and linked document have different revision dates; objective-version alignment remains unresolved.
Your California Life course
From the first lesson to your final review.
Understand the material
80 focused lessons
Work through explanations and examples that build your understanding of the tested topics.
Practice and learn why
900 questions with explanations
Check your answer, then understand the reasoning behind it. Learn from each attempt.
Review what needs work
Targeted review + mock exams
Return to missed and uncertain material. Use short or full-length mocks to put your preparation into practice.
View all 13 chapters and course details
80 lessons and 260 mapped concepts. Every chapter is open from the day you get access.
- 01Basic Insurance Concepts and Principles7 lessons
- 02Contract Law8 lessons
- 03The Insurance Marketplace9 lessons
- 04Life Insurance - Basics9 lessons
- 05Types of Life Policies5 lessons
- 06Annuities10 lessons
- 07Policy Replacement and Cancellation2 lessons
- 08The Individual Life Insurance Contract11 lessons
- 09Taxation of Life Insurance and Annuities4 lessons
- 10Group Life Insurance Plans3 lessons
- 11Social Security Disability Program2 lessons
- 12Individual Underwriting, Pricing, and Claims4 lessons
- 13Life Policy Riders6 lessons
Review focuses on missed questions, saved questions, or their deduplicated combined queue.
Progress is permanently completed lessons divided by total lessons, with every lesson weighted equally.
Skipped local calendar days rebalance the remaining lesson count without removing coverage, changing course order, or changing course completion.
Short mocks: 40 questions in 56 minutes. Full mocks: 75 questions in 105 minutes. No correctness is shown before submission; completed answers are the result basis. A mock result never guarantees a state-exam outcome.
Official exam details
Before you book your exam.
- Official product scope
- California Life examinationCommonly described as Life-Only
- Exam administrator
- PSI Services LLCUnder contract with the California Department of Insurance
- Scored questions
- 75
- Time allowed
- 105 minutes for 75 questionsThe PSI Candidate Information Bulletin revised March 2026, page 14, lists 105 minutes for 75 questions. CDI's separate Exam Times page still lists Life as 1.5 hours and 75 questions. This official-source conflict remains unresolved.
- Passing score
- 60Percent
- Experimental items
- One to ten unscored items may appearThe exact number can vary.
- Test delivery
- Test center and remote proctoredAvailability remains subject to the official scheduling options.
- Product-specific prelicensing hours
- Former 20-hour requirement eliminatedEffective January 1, 2026
- Ethics and California Insurance Code course
- 12 hours required before license issuanceCompletion is not required before taking the examination.
- Passed examination validity
- One year
- Failed-attempt limit
- Ten failed examinations can trigger a 12-month barApplies to that examination type.
Life-Only scope: This product prepares for the California Life licensing examination. It does not include the Accident and Health or Sickness examination.
Exam facts verified 2026-08-05.
See official sourcesCourse questions
What you need to know.
80 lessons, 900 practice questions with explanations, targeted review, short and full-length mock exams, and progress across the app and website.
This product prepares for the California Life licensing examination. It does not include the Accident and Health or Sickness examination.
The current California Department of Insurance Candidate Information Bulletin lists 75 scored questions. A small number of unscored experimental items may also appear.
The PSI Candidate Information Bulletin revised March 2026, page 14, lists 105 minutes for 75 questions. CDI's separate Exam Times page still lists Life as 1.5 hours and 75 questions. This official-source conflict remains unresolved.
The current Candidate Information Bulletin lists a 60 percent passing score.
No. California removed the former 20-hour product-specific prelicensing requirement effective January 1, 2026.
Yes. The approved 12-hour ethics and California Insurance Code course remains required before the license can be issued, although it is not required before taking the examination.
California currently offers test-center and remote-proctored options. Confirm current availability through the official scheduling process.
The current bulletin explains the retake process and states that ten failed examinations can trigger a 12-month bar for that examination type. Review the latest official bulletin before scheduling another attempt.
After creating an account, you can study and repeat the first three canonical California Life lessons with complete content and full practice. No payment method is required. Lesson four and full mocks require paid California Life access.
A permanent free preview of the first three canonical California Life lessons, with complete content and full practice.
No. PrepLuma provides independently authored California-specific practice questions. They are not official, copied, recalled, released, or supplied PSI questions.
No. Practice performance and mock-exam results do not guarantee a state-exam result, license approval, or any professional outcome.
Official sources
Last substantive review: 2026-08-05. Requirements change. Confirm time-sensitive facts at the official source before relying on them.
- PSI Candidate Information Bulletin, revised March 2026
- California Assembly Bill 943
- California Department of Insurance examination objectives
- California Department of Insurance linked Life License Examination Objectives document, revised July 8, 2019
- CDI's separate Exam Times page
- California Department of Insurance Life Agent requirements
- California Department of Insurance exam information
PrepLuma maps California-specific study content to the current California Department of Insurance Life examination objectives and reviews changeable exam facts against official sources.
Report a correction. Support aims to respond within two business days.