The online version of the Insurance Licensing Pennsylvania Life, Accident and Health engine is the most flexible option: it simulates the real test with intelligent functions and places no limit on installation devices, so 162 practice questions travel with you.
Insurance Licensing PA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | Pennsylvania Insurance Department |
|---|---|
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Licensing Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Certificate Validity Period: | 2 years |
| Exam Format: | Multiple Choice, Computer-Based |
| Real Exam Qty: | 150 |
| Passing Score: | 70% (105 out of 150) |
| Exam Duration: | 170 minutes |
| Available Languages: | English |
| Related Certifications: | Pennsylvania Life Insurance License Pennsylvania Accident and Health Insurance License |
| Exam Price: | $43 - $55 USD |
| Recommended Training: | Pennsylvania Insurance Department Pre-Exam Courses |
| Exam Registration: | PSI Services Registration |
| Sample Questions: | DOWNLOAD DEMO |
| 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 |
Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Pennsylvania Insurance Laws and Regulations | 15-20% | - Unfair trade practices - Continuing education requirements - State licensing requirements - Consumer protection rules - Policy forms and approval |
| Ethics and Professional Conduct | 10-15% | - Fiduciary duties - Disclosure requirements - Suitability standards - Privacy and confidentiality |
| Accident and Health Insurance | 30-35% | - Medical expense plans - Accident insurance - Major medical policies - Policy provisions and exclusions - Disability income insurance - Health insurance basics - Group health insurance |
| General Insurance Concepts | 10-15% | - Risk and insurance principles - Insurable interest - Insurance contract law - Agent authority and responsibilities |
| Annuities | 10-15% | - Indexed annuities - Taxation of annuities - Annuitization options - Fixed and variable annuities |
| Life Insurance | 30-35% | - Beneficiary designations - Policy provisions and riders - Settlement options - Group life insurance - Types of life insurance policies
|
Questions and Answers About Insurance Licensing Pennsylvania Life, Accident and Health
Pennsylvania Insurance Department Pre-Exam Courses: Visit official page
PSI Services Registration: register for PA-Life-Accident-and-Health
The package includes 162 practice questions for the PA-Life-Accident-and-Health exam, all with verified answers. The same content is available in three formats, so you can switch freely.
The PA-Life-Accident-and-Health exam contains 150 questions to complete within 170 minutes minutes. Rehearsing under the same limit on the simulator builds calm, automatic pacing.
The PDF reads on phones, tablets, and computers, and it prints cleanly for candidates who like marking notes on paper. The PC file is an interactive simulator that makes rehearsal engaging. The online file is the updated edition of the PC version: intelligent functions, real-test simulation, and no limit on installation devices. All three carry the same questions and answers.
Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania
- Pennsylvania Insurance Laws and Regulations (15-20%)
- Accident and Health Insurance (30-35%)
- Annuities (10-15%)
Plan your hours according to each topic's weight.
PA-Life-Accident-and-Health requires 70% (105 out of 150) to pass, and the official exam fee is $43 - $55 USD. Fixing both numbers early keeps your practice target and your budget on the same page.
Before you buy, our team answers any question about the Insurance Licensing Pennsylvania Life, Accident and Health material, and the free demo lets you test it. After payment, the files reach your email within seconds, updates follow by email whenever the exam changes, and we protect your personal information throughout. Promotions appear on our homepage from time to time, so regular visitors often buy at a better price.
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
The process by which an insurer decides to whom to issue a policy is known as
- A. underwriting.
- B. risk classification.
- C. assignment.
- D. adverse selection.
Correct Answer: A 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
An insured has a 20-pay life policy with a paid-up dividend option. In this option, the insured may
- A. pay up the policy early by using accumulated cash values.
- B. pay up the policy early by using policy dividends.
- C. waive premium payments until the policy has accumulated enough cash values to pay it up for 20 years.
- D. use policy dividends to reduce the premium after 20 years.
Correct Answer: B 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
Which General Policy Provision allows an insurer to adjust policy benefits and/or premium rates if the insured has changed to a more hazardous occupation?
- A. modified occupation provision
- B. modified assignment provision
- C. policy assignment provision
- D. change of occupation provision
Correct Answer: D 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
Written proof of loss must be furnished to the health insurer within how many days after the date of loss?
- A. 30 days.
- B. 45 days.
- C. 90 days.
- D. 15 days.
Correct Answer: C 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
Which of the following policies has a guaranteed interest rate with the possibility to earn an interest rate higher than the guaranteed rate?
- A. Universal life.
- B. Term insurance.
- C. Credit life.
- D. Renewable term.
Correct Answer: A 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
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