Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real California exam you need 60%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
California licenses Property Broker-Agent and Casualty Broker-Agent as separate PSI exams (60% to pass), and many candidates hold both. This bank covers the national property & casualty material plus California law - auto, property and homeowners, and workers' compensation.
You need 60%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the California Insurance Code, Vehicle Code and Labor Code for the state-law questions, with the statute section cited in each explanation.
The full California bank contains 996 questions (general insurance plus California law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
The 'other insurance' condition in a property policy generally provides that the policy will pay:
Why: When more than one policy covers the same loss, the other insurance condition typically calls for pro-rata sharing based on each policy's limits.
Under Section 4700, when an injured employee dies, what happens to accrued and unpaid compensation?
Why: Section 4700 provides accrued and unpaid compensation is paid to the dependents, or if there are none, to the personal representative or heirs, without administration. No further TD/PD is paid after death.
Which of the following risks would be considered an ideally insurable risk?
Why: A sudden, accidental fire is fortuitous, definite, measurable, and not catastrophic to the insurer, meeting the criteria for an insurable risk.
A business with predictable, frequent small losses decides to fund those losses internally rather than buy first-dollar insurance. This strategy is:
Why: Funding one's own predictable losses internally is self-insurance, a form of planned risk retention.
What is the minimum age and licensing history required to purchase a California Low Cost Automobile (CLCA) policy at the base rate?
Why: Ins. Code §11629.73(b) requires the applicant to be at least 16 years of age and continuously licensed to drive for the previous three years (a surcharge applies to those with less experience).
Under Section 1731, a person licensed as a broker-agent is deemed to be acting as an INSURANCE AGENT when transacting insurance placed with which insurers?
Why: Sec. 1731 deems a broker-agent to be acting as an insurance agent for business placed with insurers for whom a notice of appointment is on file and in force.
Most workers' compensation laws impose a 'waiting period' before income (indemnity) benefits begin. The purpose is to:
Why: The waiting period (commonly a few days) means no wage-loss benefits are paid for minor, brief absences; medical benefits, however, usually begin immediately.
Which of the following best describes fraud in an insurance context?
Why: Fraud is an intentional deception or misrepresentation made to gain an unfair or unlawful advantage.
Every license issued under this chapter must state on it all of the following EXCEPT:
Why: Sec. 1650 requires the license to state the licensee's name, capacity, conditions, effective and expiration dates, and (for organizations) qualified natural persons; commissions earned are not required.
Which statement about no-fault auto insurance CONCEPTS is generally correct?
Why: Under no-fault concepts, an injured person's own insurer pays specified personal injury/economic losses regardless of who caused the accident, with limits on lawsuits.
An Installation floater covers:
Why: An Installation floater covers materials and equipment during transit, storage, and installation until the work is accepted, common for HVAC or fixture installers.
Under §2051.5, when a loss relates to a declared 'state of emergency,' no time limit shorter than what period (from the first ACV payment) may be placed on the insured to collect the full replacement cost?
Why: Section 2051.5(b)(1)(B) provides that for a loss relating to a state of emergency, a time limit of less than 36 months from the first ACV payment may not be imposed to collect full replacement cost.
For an injury to be compensable under workers' compensation, it generally must arise:
Why: The basic compensability test is that the injury must 'arise out of and in the course of employment' — connected to the work and occurring within the scope of the job.
When an applicant submits a completed application with the initial premium, the applicant is generally making the:
Why: In insurance, the applicant typically makes the offer by submitting the application and premium; the insurer accepts by issuing the policy.
Under the unendorsed PAP, towing and labor (Part D) coverage is:
Why: Towing and labor costs coverage is an optional add-on with a small per-disablement limit (e.g., $25–$75), not automatically included.
A customer slips on a wet floor in the insured's store and is hurt. This is most clearly a claim under:
Why: A slip-and-fall on the insured's premises is a Coverage A bodily injury (premises and operations) claim.
Under Section 791.06, a disclosure authorization form used to collect information for a life, health, or disability insurance application may remain valid for no longer than what period from the date it is signed?
Why: Section 791.06(g)(1)(A) limits an authorization signed to collect information for a life, health, or disability insurance application, reinstatement, or change in benefits to no longer than thirty months from the date signed (one year for property or casualty).
An insurer knowingly accepts a late premium payment without objection on several occasions, then later tries to deny a claim because a payment was late. The insurer is most likely prevented from doing so by:
Why: By repeatedly accepting late payments (waiver), the insurer may be estopped from later denying coverage based on the very right it gave up.
A worker loses the use of both hands and is permanently unable to engage in any gainful employment. This is classified as:
Why: Permanent total disability (PTD) applies when the worker is permanently and completely unable to return to any gainful employment.
For an injury occurring on or after January 1, 2008, what is the general aggregate cap on temporary disability payments for a single injury under Section 4656?
Why: Section 4656(c)(2) caps temporary disability for injuries on or after Jan. 1, 2008 at 104 compensable weeks within five years from the date of injury.
Under Section 1725.5, what must a licensed agent or broker include on business cards, written price quotations, and California print advertisements for insurance products?
Why: Sec. 1725.5(a) requires the license number on business cards, written price quotations, and print ads in a type size at least as large as any telephone number, address, or fax number (or 12-point/8-point as specified).
A claims handler knowingly presents a false written statement in support of a workers' compensation claim. Under Section 1871.4, the maximum fine for this offense is set at what amount, or double the value of the fraud, whichever is greater?
Why: Section 1871.4(b) punishes a violation by imprisonment plus a fine not exceeding one hundred fifty thousand dollars ($150,000) or double the value of the fraud, whichever is greater. Restitution must also be ordered.
Which statement about MPCI and the role of private insurers is correct?
Why: MPCI is delivered by private insurers who sell and service the policies, with federal reinsurance and oversight provided through the RMA and the Federal Crop Insurance Corporation.
Under the Dwelling Policy, if no liability supplement is attached, an injured visitor's medical bills are:
Why: The basic Dwelling Policy contains no liability or medical payments coverage; these must be added via the personal liability supplement.
A key distinction between the Jones Act and the LHWCA is that:
Why: The Jones Act lets seamen sue for negligence (fault-based), whereas the LHWCA is a no-fault compensation system for longshore and harbor workers who are not seamen.
When there is a disagreement between the insured and insurer over the insured's entitlement to and amount of UM damages, how does §11580.2 require the matter be resolved?
Why: Ins. Code §11580.2(f) provides that in the event of disagreement, the determination shall be made by arbitration conducted by a single neutral arbitrator.
The 'nationwide marine definition' establishes:
Why: The Nationwide Marine Definition outlines classes of risks that may properly be insured under marine (inland and ocean) policies, including imports, exports, domestic shipments, instrumentalities of transportation, and certain floaters.
If an applicant neither fully qualifies for a permanent license nor is denied within one year of the commissioner's receipt of the application (or issuance of a certificate of convenience), what happens under Section 1670?
Why: Sec. 1670 provides that, absent a good-cause determination, the application is automatically denied without prejudice to filing a new application if not resolved within one year.
In the Dwelling Policy program, which form provides ONLY basic named perils such as fire, lightning, and extended coverage perils?
Why: DP-1 is the Basic Form, providing the narrowest set of named perils. DP-2 broadens the list and DP-3 is open-peril.
The Unfair Practices Article expressly applies to which of the following?
Why: Section 790.01 makes the article apply to life agents, broker-agents, surplus line brokers, and all other persons engaged in the business of insurance.