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CHEAT SHEET · HEALTH ONLY

Health Only Cheat Sheet.
The night-before summary, built like the exam.

Weighted to the 2026 outline·15-minute scan·Verified 2026
Drill weak spots →
01

Exam blueprint — study by weight

The bar is the exam — spend your hours where the questions are. Weights follow the 2026 outline.

18%Riders, Provisions & Exclusions~27 q▾
  • Waiver of premium, GIR, accidental death riders
  • Nonforfeiture options: cash · reduced paid-up · extended term
  • Dividend options; loan & automatic premium loan
Drill this section →
17%Life Policy Types~26 q▾
  • Term (level/decreasing/renewable) vs whole vs universal
  • Variable products = securities registration required
  • Annuities: immediate/deferred · fixed/indexed/variable
Drill this section →
15%Life Insurance Basics~22 q▾
  • Insurable interest at application; consideration
  • Underwriting, conditional receipts, backdating limits
  • Human life value vs needs approach
Drill this section →
15%Health Policy Provisions~22 q▾
  • 12 mandatory uniform provisions (grace, reinstatement…)
  • Renewability ladder: cancellable → guaranteed renewable
  • Coordination of benefits; pre-existing limits
Drill this section →
13%State Law & Ethics~20 q▾
  • Producer licensing, appointments, continuing ed
  • Unfair trade practices: rebating, twisting, churning
  • Your state's variant changes this section
Drill this section →
12%Health & Disability Basics~18 q▾
  • Deductible → coinsurance → stop-loss math
  • Own-occ vs any-occ disability definitions
  • HMO / PPO / POS network rules
Drill this section →
10%Medicare, Medicaid & LTC~15 q▾
  • Parts A–D · Medigap open enrollment (6 mo from Part B)
  • LTC benefit triggers = 2 of 6 ADLs
Drill this section →
02

Quick facts

75
Scored questions
1h 45m
Time limit
60% (CA) / 70% typical
Passing score
$55
Exam fee
State DOI
Governing body
60%
Pass rate
03

Annuity Picker

the scenario questions, as a decision path
Question 1 / 3
When does the client need the income to start?
04

Side-by-sides the exam loves

TermWholeUniversal
PremiumLowest; level for the termLevel, highest; fixed for lifeFlexible — payer adjusts
Duration10–30 yrs, then expiresLifetime (to age 100/121)Lifetime if adequately funded
Cash valueNoneGuaranteed, tax-deferredCurrent interest, not guaranteed
Best when"Temporary need" · "most coverage per dollar""Permanent need" · "guaranteed values""Flexible premium" · "adjustable death benefit"
Keyword decoder — the question's adjective is the answer: temporary/cheapest → Term · lifetime/guaranteed → Whole · flexible/adjustable → Universal.
05

Common traps

what test-writers bet you'll get wrong
T1
✗ Sounds right — "the free look period starts at application"
✓ Exam wants — it starts at policy DELIVERY (10 days; 30 for replacements)
T2
✗ Sounds right — "universal life premiums are fixed"
✓ Exam wants — UL premiums are FLEXIBLE — whole life is the fixed one
T3
✗ Sounds right — "a variable annuity just needs an insurance license"
✓ Exam wants — it's a security — FINRA registration required too
T4
✗ Sounds right — "Medicare Part B covers the hospital stay"
✓ Exam wants — Part A = hospital inpatient · Part B = outpatient/medical
T5
✗ Sounds right — "term life builds some cash value over time"
✓ Exam wants — term is pure protection — zero cash value, ever
T6
✗ Sounds right — "guaranteed insurability rider requires new underwriting"
✓ Exam wants — that's the point of the rider — more coverage, NO new proof
06

Last-minute checklist

0/12

Tap each once you can recite it cold. Progress saves on this device.

Numbers to memorize
Rules that trip people
All 12 locked in?
Prove it — a 10-question mixed set takes a few minutes.
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07

Full write-up

the complete guide, in prose

Accident & Health Insurance Agent Exam — Cheat Sheet

Fast-reference facts and must-remember rules for the California Accident & Health (Health-Only) producer licensing exam. Memorize the numbers below cold — they set your budget for the exam day.

Exam-Day Vitals (memorize these numbers)

  • 75 questions total on the exam.
  • 105 minutes to finish — a firm time limit.
  • 60% is the passing score in California.
  • $55 producer exam fee.

Pacing Formula (do the math before you sit)

  • 105 min ÷ 75 questions ≈ 1.4 minutes per question (about 84 seconds each). Keep a running check: you should be near question 25 by the ~35-minute mark and question 50 by the ~70-minute mark.
  • 60% of 75 = 45 questions correct to pass. You can miss up to 30 and still pass — but never bank on missing that many.
  • Target a working pace faster than the limit so you reserve time to review flagged items before the clock hits 105 minutes.

Must-Remember Rules

  • Flag-and-move: if a question is eating more than ~90 seconds, mark it and move on — at ~1.4 min/question you cannot afford to stall.
  • Answer everything: since passing is a percentage of correct answers out of 75, a blank is a guaranteed miss — always leave a best-guess answer before time expires.
  • Budget a review pass: aim to reach the last question with several minutes left inside the 105-minute window to revisit flagged items.
  • Fee readiness: confirm the $55 exam fee is paid/scheduled before your appointment so nothing blocks your seat.

Quick-Glance Table

  • Questions: 75
  • Time limit: 105 minutes
  • Passing score: 60% (≈ 45 correct)
  • Exam fee: $55
  • Approx. pace: ~84 sec/question