California Life-Only Insurance License Exam
Accurate, complete practice to pass the first time
588 questions cover all 13 sections of the 2026 CDI exam objectives, and where an answer depends on a statute, it has been checked against the code. Your readiness score shows which sections are still weak, so you book the exam once you are ready. Study in English, Chinese, or both side by side.
Free: 10 practice questions a day, plus one 15-question diagnostic exam. No card needed.
- questions in use
- 588
- questions in use
- exam sections, all covered
- 13
- exam sections, all covered
- questions per mock exam, in the real exam's section mix
- 75
- questions per mock exam, in the real exam's section mix
Try one
Policy Replacement and Cancellation
What is the general free-look cancellation period that applies to individual life insurance policies and annuity contracts?
Pick an answer to see the explanation and the statute behind it.
- Run by a licensed agent
- Checked against the Insurance Code
- Built on the 2026 CDI objectives
- English & 简体中文
Accuracy
Why the questions are accurate
Checked against primary law
Statutory claims were verified against the California Insurance Code, the IRC and SSA directly, with the operative sentence quoted. Where no statute exists, we say so rather than inventing a citation.
Run by a licensed agent
The site is run by a California-licensed life agent, who approves questions for release. A question found to be wrong is taken down first and then corrected, and every revision is kept on record.
Written from the official exam objectives
Every item traces to a section of the CDI Life License Examination Objectives effective January 1, 2026 — not to someone else’s question bank.
Chinese aligned to the exam, not to a translator
California only began offering this exam in Chinese in January 2024, so any Chinese material older than that was not written against an official Chinese exam at all. Ours is: the terminology is locked to CDI’s own published Chinese objectives — 死亡理赔金, 可保利益, 核保, 附加条款 — so the words you practise are the words in the room.
Inside the bank
What you get
- Timed mock exams weighted to the official 75-question blueprint90:000 / 75
- Readiness estimate with a range, per-section mastery, and what to study nextReadiness rangeExample0100
Study next: Annuities
- English, 简体中文, or both at onceEN中文EN + 中文
可保利益
Insurable interest
- Practice by exam section, by difficulty, or straight through your wrong answers
- Wrong-answer notebook that remembers what you actually got wrong
- Every option explained — why the right one is right and each wrong one is wrong
See the depth of every section
Questions by section
The California life exam is 75 questions across 13 sections. The bank's 588 questions are written to that structure, so every section has questions to drill.
The readiness estimate tells you which sections are still shaky. When they hold, you can book the exam.
| Section | Share of exam | Questions |
|---|---|---|
| Types of Life Policies | 13% | 47 questions |
| The Individual Life Insurance Contract | 13% | 91 questions |
| Basic Insurance Concepts and Principles | 12% | 39 questions |
| Life Insurance - Basics | 11% | 36 questions |
| Annuities | 11% | 64 questions |
| The Insurance Marketplace | 9% | 129 questions |
| Contract Law | 8% | 50 questions |
| Policy Replacement and Cancellation | 5% | 18 questions |
| Life Policy Riders | 5% | 24 questions |
| Taxation of Life Insurance and Annuities | 4% | 29 questions |
| Individual Underwriting, Pricing, and Claims | 4% | 24 questions |
| Group Life Insurance Plans | 3% | 26 questions |
| Social Security Disability Program | 1% | 11 questions |
588 approved questions in total. Each mock exam is 75 questions, drawn at the section weights published in the CDI Life Licensing Exam Objectives (effective January 1, 2026).
Pricing
Simple pricing
Fixed-length passes. No subscription, nothing to cancel.
30-Day Pass
$19.99
30 days of full access
- All 588 questions, no daily cap
- Unlimited timed 75-question mock exams
- Readiness estimate and wrong-answer notebook
- One payment, no auto-renewal
90-Day Pass
$34.99
90 days of full access
- All 588 questions, no daily cap
- Unlimited timed 75-question mock exams
- Readiness estimate and wrong-answer notebook
- One payment, no auto-renewal
FAQ
Questions people ask
Are these the real exam questions?
No, and be wary of anyone claiming otherwise. Real items are confidential. These are independently written to the same published objectives the exam is built from.
Is the Chinese just a translation of the English?
The terms come from CDI’s own Chinese exam objectives rather than a translator’s preference, so they match what the exam uses even where a more natural-sounding word exists. Each item is then compared with the English by machine, so numbers, statute references, negations and terms must all match, and it is released after a licensed reviewer’s spot check.
How many questions are there?
The bank covers all thirteen official exam sections. Mock exams are assembled to the official blueprint; take enough of them and you will start to see items again, which is how drilling a bank works.
Will this guarantee I pass?
No. Anyone promising that is selling you something else. What it can do is show you which sections you are weak in while there is still time to fix them.
Is practicing here enough to apply for the license?
No. California Insurance Code section 1749 requires every life agent applicant to complete a 12-hour course on ethics and the Insurance Code, from a provider the Department of Insurance approves. This site is exam practice, not that course, and does not replace it. For how to enroll and when it must be finished, go by the Department's own instructions.