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2026 California Life Insurance State Exam: Verified Q&A Study Guide & Practice Test, Exams of Insurance Economics

Glendale Community CollegeInsurance Economics

Ace your 2026 California Life Insurance exam with this comprehensive PDF! Features verified practice questions and answers covering the California Insurance Code, policy riders, and annuities. Updated for the new 12-hour Ethics and Code requirement mandatory as of January 1, 2026. Perfect for students at top CA pre-licensing schools, this guide ensures you master high-yield topics and pass with confidence. INSTANT PDF DOWNLOAD! California Life Insurance Exam, 2026 State Exam Questions, Life Agent License CA, California Insurance Code, Life Policy Riders, Whole Life vs Term, Variable Life Insurance, Life-Only Agent Exam, California Pre-licensing, Insurance Practice Test, Contract Law Insurance, CDI Exam Study Guide, Life Insurance Taxation, Group Life Insurance, Underwriting Basics, Insurance License Prep, CA Insurance Law, 12-Hour Ethics Course.

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2025/2026

Available from 01/10/2026

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CCHT Exam Review
Questions and Answers(Verified)
1.The functional unit of the kidney, or the structure in the
kidney that does the work, is the
ANS> Nephron
2.A nephron is made up of
ANS> A glomerulus and a tubule
3.The endocrine functions of the kidney includes
ANS> Making erythropoietin and the active form of vitamin D
4.The leading cause of End-Stage Renal Disease for adult in
the United States is
ANS> Diabetes
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Download 2026 California Life Insurance State Exam: Verified Q&A Study Guide & Practice Test and more Exams Insurance Economics in PDF only on Docsity!

CCHT Exam Review

Questions and Answers(Verified)

  1. The functional unit of the kidney, or the structure in the kidney that does the work, is the ANS> Nephron
  2. A nephron is made up of ANS> A glomerulus and a tubule
  3. The endocrine functions of the kidney includes ANS> Making erythropoietin and the active form of vitamin D
  4. The leading cause of End-Stage Renal Disease for adult in the United States is ANS> Diabetes
  1. Patients with kidney failure often complain of itching, which is likely to be caused by ANS> Hyperphosphatemia
  2. Why do kidney patients often have bone disease? ANS> Kidneys stop producing calcitriol
  3. Symptoms that a patient may need more dialysis time include ANS> Anorexia, fatigue, swelling
  4. A semipermeable membrane is a porous barrier that ANS> Allow for only certain sized particles to cross
  5. Diffusion is movement of particles ANS> From an area of higher concentration 10.Negative pressure is pressure created when ANS> Fluid is pulled through a restriction 11.During dialysis, ultrafiltration occurs when

the substances that might be prescribed for a dialysate solution? ANS> Bicarbonate, Sodium, Potassium

  1. What is the most important safety monitor during a dialysis treatment ANS> - The dialysis technician

18.Dialysate conductivity measures ANS> The total electrical charge of a solution 19.Dialysate that has too much sodium may cause patient injury. Too much sodium or hypernatremia can cause ANS> Headache, high BP, and shriveling of RBCs (crenation) 20.Dialysate that has too much calcium can cause ANS> Vomiting, confusion, irritability 21.Dialysate that has too little sodium can cause ANS> Low BP, cramping, and bursting of RBCs (hemolysis) 22.Things that affect dialysis adequacy are ANS> -Treatment time -BFR -DFR -Dialyzer clotting/inadequate heparinization 23.Normal body temp. taken orally is ANS> 98.6 degrees F

-A line separation after the dialyzer -Venous needle infiltration -Collapsing of the arterial bloodline ANS> Venous needle infiltration 29.The transmembrane pressure has been gradually changing during the last 1-1/2 hours of dialysis, you suspect... ANS> Clotting in the dialyzer

30.The first action you should take when you suspect clotting in the dialyzer is ANS> Rinse the dialyzer with normal saline

  1. If there is a decrease in the patient's URR or Kt/V, which of the following factors should be looked at? -Increase phosphorus intake -Increase access recirculation -Diminished dialyzer performance due to reprocessing -Inadequate anticoagulation of the blood -Blood pump speed ANS> -Increase access recirculation -Diminished dialyzer performance due to reprocessing -Inadequate anticoagulation of the blood -Blood pump speed
  2. is the first symptom that a patient developing dialysis disequi- librium syndrome is most likely to exhibit. ANS> Headache 33.Symptoms that may be mild or severe with fluid overload are ANS> -Tachycar- dia -Hypertension -Dyspnea 34."First use syndrome" is a hypersensitivity reaction to a

-Numbness in the access arm -Blurred vision -Diarrhea ANS> Diarrhea 38.Dialyzer are processed before use to rinse out manufacturing residues and to ANS> Establish the original fiber bundle volume of the dialyzer and check for leaks 39.Two criteria for rejecting a reprocessed dialyzer ANS> 1) Less than 80% of original fiber bundle volume

  1. aesthetic appearance
  1. The AAMI (Association for the Advancement of Medial Instrumentation)- ANS> The AAMI recommends voluntary standards for dialysis water treatment 41.According to AAMI standards, bacteriologic testing for water and dislysate should take place ANS> Monthly 42.According to AAMI standards, the total microbial count of water used to prepare dialysate shall not exceed ANS> 200 CFU/mL 43.Stenosis is a major cause of access failure, which unless corrected, can lead to thrombosis and other complications.

What are the signs of stenosis? ANS> Changes in the thrill and bruit 44.Describe 4 types of anastomosis for an arteriovenous fistula ANS> Artery-side to vein-side anastomosis Artery-end to vein-end anastomosis Artery-end to vein-side Artery-side to vein-end 45.What is an infiltration? ANS> A needle tip that punctures a vessel and goes out the other side, allowing blood to seep into the surrounding tissue 46.What is the preferred insertion site for both temporary and long term catheters? ANS> Internal jugular vein 47.Why is artrivenous fistula preferable as the vascular access of choice whenever possible? ANS> They have the lowest rate of primary failure of all known accesses 48.Example of an indication of a break in the integrity of the extracorporeal circuit (ECC)? ANS> Appreance of air or foam in any bloodline

  1. During dialysis, patients should be monitored for the following complica- tions (list all that apply) ANS>

hour? ANS> 1440 mL of fluid/hr UF coefficient x TMP = mL of fluid/hr able to be removed 12 x 120 = 1440 52.If venous needle is infiltrated, what would you do? ANS> Insert second needle above the venous infiltration 53.Blood flow (QB) of 17 gauge needle ANS> 250-300 mL/min.

  1. Blood flow (QB) of 16 gauge needle ANS>
  2. Blood flow (QB) of 15 gauge needle ANS>
  3. Blood flow (QB) of 14 gauge needle ANS> 57.The only professional organization in the country just for dialysis techni- cians is ANS> The National Association of Nephrology Technicians 58.Addressing a patient as "sweetie" ANS> Is inappropriate because it can make the patient feel dependent on you
  1. The patient's access site has bled for 30 minutes after needle removal for the last 3 treatments with no changes in the heparin prescription. There has also been a steady increase in venous pressure during treatment; what might you suspect? ANS> Venous stenosis 60.Pros of the buttonhole technique ANS> FEWER -Infections -Missed needle insertions -Hematomas -Infiltrations 61.Steps for creating the buttonhole ANS> -Remove the scab -Cannulate the same site at the same angle, by the same caregiver with sharp needles for 3-4 weeks to create a tunnel 62.The venous pressure on a dialysis machine starts to rise but the venous needle is not infiltrated, which might be the reason? ANS> -Clotting of the venous line -Venospasm 63.Factors that affect peritoneal membrane permeability include

hypotension devel- oping during hemodialysis? a. Eating/drinking during treatment

b. Removing excessive volume of fluid c. Anemia d. Dialyzer reaction ANS> b. Removing excessive volume of fluid 73.When washing the hands, the hands should be wet and soap applied and then the hands rubbed together for at least ANS> 15 seconds 74.With an AV fistula, cannulation should usually be done at an angle of ANS> 25° to 35° 75.What percentage of water that is filtered out of the blood by the glomeruli is excreted as urine? ANS> 1%

  1. Which of the following needle sizes has the largest lumen (diameter)? a. 17 gauge b. 16 gauge c. 15 gauge d. 14 gauge ANS> d. 14 gauge 77.How frequently should patients and staff members of a dialysis center have tuberculosis skin tests? ANS> Once a year

The patient's hourly ultrafiltration rate should be how many mL per hour? ANS> UF

rate should be 1360 mL/hour 5 kg weight difference from dry weight = 5 ml

  • 440 ml (240 ml and 200 ml saline) 5440 ml 5440 ml / 4 hours = 1360 ml/hour
  1. A male patient who has diabetes and receives hemodialysis treatments sometimes drinks juice when his blood sugar is low. Which of the following types of juice would be the best for this patients, since it is lowest in potassium? a. Prune juice b. Grapefruit juice c. Vegetable juice cocktail (V-8) d. Cranberry juice cocktail ANS> d. Cranberry juice cocktail
  2. On a Monday morning, a female patient arrives at the hemodialysis unit 8.8 lb (4 kg) above her target weight. Near the end of her treatment, the patient complains of severe muscle cramping in her lower extremities. Which of these actions should the technician take?