In 2026, candidates arrive at the PA-Life-Accident-and-Health exam from very different backgrounds. PracticeVCE serves them all with 162 practice questions for the Insurance Licensing Pennsylvania Life, Accident and Health exam, covering content across a range of difficulty levels.
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 |
| Passing Score: | 70% (105 out of 150) |
| Certificate Validity Period: | 2 years |
| Real Exam Qty: | 150 |
| Related Certifications: | Pennsylvania Life Insurance License Pennsylvania Accident and Health Insurance License |
| Exam Duration: | 170 minutes |
| Exam Format: | Computer-Based, Multiple Choice |
| Exam Price: | $43 - $55 USD |
| Available Languages: | English |
| 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 |
|---|---|---|
| Annuities | 10-15% | - Annuitization options - Taxation of annuities - Indexed annuities - Fixed and variable annuities |
| Ethics and Professional Conduct | 10-15% | - Disclosure requirements - Privacy and confidentiality - Suitability standards - Fiduciary duties |
| Life Insurance | 30-35% | - Policy provisions and riders - Beneficiary designations - Settlement options - Group life insurance - Types of life insurance policies
|
| General Insurance Concepts | 10-15% | - Risk and insurance principles - Insurance contract law - Insurable interest - Agent authority and responsibilities |
| Pennsylvania Insurance Laws and Regulations | 15-20% | - Policy forms and approval - Continuing education requirements - State licensing requirements - Consumer protection rules - Unfair trade practices |
| Accident and Health Insurance | 30-35% | - Major medical policies - Policy provisions and exclusions - Disability income insurance - Accident insurance - Group health insurance - Medical expense plans - Health insurance basics |
Studying for the Insurance Licensing Pennsylvania Life, Accident and Health Exam: Answers
Memorizing which option is correct works only until the question is reworded. Understanding the concept behind each PA-Life-Accident-and-Health question lets you handle variations with confidence. Take notes as you practice, mark the key points, and your study sessions build real, durable knowledge.
The Insurance Licensing Pennsylvania Life, Accident and Health practice questions are organized around the official exam objectives. Key topics include:
- General Insurance Concepts (10-15%)
- Accident and Health Insurance (30-35%)
- Pennsylvania Insurance Laws and Regulations (15-20%)
Questions across these topics span a range of difficulty levels, so both newer and experienced candidates find appropriate challenges.
You can register for the Insurance Licensing Pennsylvania Life, Accident and Health exam through the official channels:
Many candidates combine practice questions with official training. Recommended options include:
The Insurance Licensing Pennsylvania Life, Accident and Health exam contains 150 questions, and you will have 170 minutes minutes to complete them. Practicing within the same limits builds the pacing the real exam demands.
This package includes 162 practice questions for the Insurance Licensing Pennsylvania Life, Accident and Health exam. Every answer is verified by an experienced team of experts, so you can trust what you study.
Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania
You can confirm the current eligibility requirements on the official PA-Life-Accident-and-Health exam page before you register.
The Insurance Licensing Pennsylvania Life, Accident and Health exam requires a score of 70% (105 out of 150) to pass, and the official registration fee is $43 - $55 USD. Because the fee is significant, preparing thoroughly the first time is the practical choice.
PracticeVCE respects customer privacy. Payment is handled through secure credit card processing, and your personal information is never shared with third parties without your permission. You can purchase the PA-Life-Accident-and-Health package with confidence.
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
All of the following statements about aleatory contracts are true EXCEPT
- A. if a loss occurs, the insured's premium is small in relation to the amount the insurer pays.
- B. there are cases where the insurer pays nothing.
- C. they may be interpreted as a form of gambling.
- D. the insured and insurer contribute equally to they contract.
Correct Answer: D 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
Which one of the following type of calls is NOT exempt from the Do-Not-Call Registry?
- A. insurance sales calls.
- B. calls from charities.
- C. calls on behalf of political organizations.
- D. telephone surveys.
Correct Answer: A 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
Under long-term care insurance, which of the following MUST an insurer offer to each policyowner at the time of purchase?
- A. Daily minimum benefit levels.
- B. An Inflation protection option.
- C. A decrease in annual benefit levels.
- D. Lifetime minimum benefit levels.
Correct Answer: B 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
An insurance producer who makes an agreement that unreasonably restrains the business of insurance may have violated regulations against:
- A. Defamation
- B. Boycott, coercion and intimidation
- C. False advertising
- D. Unfair discrimination
Correct Answer: B 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
An Insurer, in general business practice, fails to promptly provide a reasonable explanation for the denial of a claim. This is considered to be
- A. a contractual liability.
- B. a violation of the grace period provision.
- C. an unfair claim settlement practice.
- D. a fraudulent insurance act.
Correct Answer: C 🗳️
Explanation: Only visible for PracticeVCE members. You can sign-up / login (it's free).
Viewing page 1 out of 33 pages.
Viewing questions 1-5 out of 162 questions.
1129 Customer Reviews
