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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 |
| Passing Score: | 70% |
| Available Languages: | English |
| Exam Format: | Multiple-choice |
| Related Certifications: | Pennsylvania Insurance Producer License - Life, Accident and Health |
| 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 |
|---|---|---|
| Life Insurance Basics | 8% | - Individual underwriting by the insurer - Determining amount of personal life insurance - Business uses of life insurance - Differences in life insurance policies - Premiums - Insurable interest - Factors in premium determination - Licensee responsibilities - Personal uses of life insurance |
| Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Pennsylvania Insurance Department - Licensing requirements - Penalties and offenses - Agent conduct and trade practices - Unfair trade practices |
| Life Insurance Policies | 11% | - Term life insurance - Specialized policies - Whole life insurance - Group life insurance - Flexible premium policies |
| Health Insurance Basics | - Medical expense insurance - Social insurance - Disability income insurance - Policy provisions and riders - Health insurance concepts | |
| General Insurance | 6% | - Contracts - Concepts - Insurers - Agents and general rules of agency |
| Individual Health Insurance Policy General Provisions | - Other provisions - Uniform required provisions - Optional provisions | |
| Annuities | - Annuity principles and concepts - Annuity taxation - Annuity products | |
| Group Health Insurance | - Group health insurance plans - Group health insurance concepts - Group health insurance provisions | |
| Specialized Health Insurance for Qualified Individuals | - Medicare - Medicaid - Long-term care insurance - HIPAA | |
| Insurance Regulation | 8% | - State regulation - Federal regulation - Licensing |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. Which of the following is a branch of dentistry dealing with the replacement of missing parts?
A) Endodontics
B) Periodontics
C) Prosthodontics
D) Orthodontics
2. Which is NOT a characteristic of a major medical expense policy?
A) Elimination periods
B) Deductibles
C) Stop loss limits
D) Coinsurance
3. Which of the following gives the policyowner access to the cash value that accumulates inside the policy without having to terminate the policy?
A) Fixed-period Installments.
B) Reduced Paid-up Insurance.
C) Policy Loans.
D) Spendthrift Clause.
4. The total premium paid by a life policy owner for one policy year is
A) greater if the premium is paid semiannually rather than annually.
B) based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.
C) less when paid quarterly than if paid semiannually.
D) the same regardless of the frequency of payment.
5. According to the Pennsylvania Health Care Insurance Portability Act regulations, health coverage for eligible individuals must be offered on what basis?
A) creditable coverage
B) non-renewable
C) guaranteed issue
D) conditionally renewable
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: A | Question # 3 Answer: C | Question # 4 Answer: A | Question # 5 Answer: C |
By Elroy
