Updated: Aug 25, 2026
No. of Questions: 162 Questions & Answers with Testing Engine
Download Limit: Unlimited
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| Certification Vendor: | Pennsylvania Insurance Department |
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Licensing Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Related Certifications: | Pennsylvania Life Insurance License Pennsylvania Accident and Health Insurance License |
| Available Languages: | English |
| Real Exam Qty: | 150 |
| Exam Price: | $43 - $55 USD |
| Passing Score: | 70% (105 out of 150) |
| Exam Format: | Multiple Choice, Computer-Based |
| Exam Duration: | 170 minutes |
| Certificate Validity Period: | 2 years |
| Recommended Training: | Pennsylvania Insurance Department Pre-Exam Courses |
| Exam Registration: | PSI Services Registration |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based testing; available at PSI testing centers or via remote proctoring |
| Pre Condition: | Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania |
| Official Syllabus URL: | https://www.insurance.pa.gov |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Health Insurance | 30-35% | - Policy provisions and exclusions - Major medical policies - Health insurance basics - Accident insurance - Disability income insurance - Group health insurance - Medical expense plans |
| Topic 2: Pennsylvania Insurance Laws and Regulations | 15-20% | - Consumer protection rules - Policy forms and approval - State licensing requirements - Unfair trade practices - Continuing education requirements |
| Topic 3: Annuities | 10-15% | - Indexed annuities - Fixed and variable annuities - Annuitization options - Taxation of annuities |
| Topic 4: General Insurance Concepts | 10-15% | - Agent authority and responsibilities - Insurable interest - Insurance contract law - Risk and insurance principles |
| Topic 5: Life Insurance | 30-35% | - Settlement options - Group life insurance - Policy loans and cash values - Types of life insurance policies
- Beneficiary designations |
| Topic 6: Ethics and Professional Conduct | 10-15% | - Fiduciary duties - Suitability standards - Disclosure requirements - Privacy and confidentiality |
1. Medicare Part B pays what percent of approved charges for physician and surgeon services?
A) 95
B) 65
C) 80
D) 50
2. The premium mode defines the
A) premium limit. I
B) method of premium payment (cash or credit).
C) frequency of the premium payment.
D) premium amount
3. Which type of policy contains both a minimum and target premium?
A) adjustable life
B) graded premium life
C) universal life
D) whole life
4. The insurance commissioner may issue a temporary license if the insurance commissioner deems, that the temporary license is necessary for the servicing of an - insurance business in which one of the following cases?
A) A temporary license may be issued to the surviving spouse of the licensed producer to allow adequate time for the sale of the business.
B) A temporary license may be issued to a person who failed the written insurance examination so long as the written examination is passed within 1 year.
C) A temporary license is automatically issued to the executor of a deceased licensed insurance producer
D) When a producer dies, a temporary license may be issued to those persons represented by the deceased as well as to inactive or limited business partners.
5. Which is NOT provided by a fixed annuity?
A) A guaranteed minimum rate of return.
B) Protection against inflation.
C) Tax-deferred growth.
D) Flexible premiums.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: C | Question # 3 Answer: C | Question # 4 Answer: A | Question # 5 Answer: B |
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