Try Insurance Licensing : PA-Life-Accident-and-Health valid & accurate questions and answers
Updated: Oct 19, 2026
No. of Questions: 162 Questions & Answers with Testing Engine
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Insurance Licensing PA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | Pennsylvania Insurance Department |
|---|---|
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Agent Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Exam Duration: | 170 minutes |
| Real Exam Qty: | 150 |
| Related Certifications: | Pennsylvania Insurance Producer License - Life, Accident and Health |
| Exam Format: | Multiple-choice |
| Available Languages: | English |
| Passing Score: | 70% |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based testing available at PSI test centers across Pennsylvania and via PSI Bridge online proctoring for eligible candidates. |
| Pre Condition: | Completion of a state-approved pre-licensing course (24 hours for Life, Accident and Health combined) is required before taking the exam. Fingerprinting and background check are also required for initial licensing. |
| Official Syllabus URL: | https://www.psiexams.com/test-takers/pa-ins-exam |
Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Individual Health Insurance Policy General Provisions | - Other provisions - Optional provisions - Uniform required provisions | |
| Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Agent conduct and trade practices - Pennsylvania Insurance Department - Penalties and offenses - Unfair trade practices - Licensing requirements |
| Group Health Insurance | - Group health insurance concepts - Group health insurance provisions - Group health insurance plans | |
| Health Insurance Basics | - Social insurance - Disability income insurance - Policy provisions and riders - Health insurance concepts - Medical expense insurance | |
| Insurance Regulation | 8% | - State regulation - Licensing - Federal regulation |
| Life Insurance Basics | 8% | - Personal uses of life insurance - Business uses of life insurance - Premiums - Differences in life insurance policies - Individual underwriting by the insurer - Insurable interest - Determining amount of personal life insurance - Factors in premium determination - Licensee responsibilities |
| Specialized Health Insurance for Qualified Individuals | - Medicaid - Medicare - Long-term care insurance - HIPAA | |
| Life Insurance Policies | 11% | - Whole life insurance - Group life insurance - Specialized policies - Term life insurance - Flexible premium policies |
| Annuities | - Annuity principles and concepts - Annuity taxation - Annuity products | |
| General Insurance | 6% | - Agents and general rules of agency - Concepts - Insurers - Contracts |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT
- A. Members pay higher monthly fees when out-of-network providers are utilized.
- B. Members receive care from providers in the HMO network.
- C. Members pay fixed monthly fees to the HMO.
- D. Out-of-pocket expenses are limited as long as the network is utilized.
Correct Answer: A 🗳️
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In determining whether a pre-existing condition applies, the enrollee CANNOT have more than how many days" gap in Health insurance?
- A. 63
- B. 70
- C. 60
- D. 65
Correct Answer: A 🗳️
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If a producer misleads or fails to adequately disclose the title and true nature of a policy offered to a potential insured, it may be considered
- A. false advertising.
- B. defamation.
- C. misrepresentation.
- D. coercion.
Correct Answer: C 🗳️
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Which is considered an expense factor in a life insurance premium?
- A. aggregate claim amounts
- B. policy loan interest
- C. Interest from investments
- D. commission
Correct Answer: D 🗳️
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All of the following statements apply to the child coverage in a family policy EXCEPT
- A. child coverage is term insurance.
- B. coverage applies only to children born before the policy is issued.
- C. children are covered until reaching a specified age.
- D. child coverage is convertible to whole life coverage.
Correct Answer: B 🗳️
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