Insurance Licensing Pennsylvania Life, Accident and Health : PA-Life-Accident-and-Health

  • Exam Code: PA-Life-Accident-and-Health
  • Exam Name: Pennsylvania Life, Accident and Health Exam
  • Updated: Sep 24, 2026
  • Q&As: 162 Questions and Answers

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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Ethics and Professional Conduct10-15%- Fiduciary duties
- Suitability standards
- Disclosure requirements
- Privacy and confidentiality
Topic 2: General Insurance Concepts10-15%- Insurable interest
- Insurance contract law
- Agent authority and responsibilities
- Risk and insurance principles
Topic 3: Life Insurance30-35%- Beneficiary designations
- Settlement options
- Policy loans and cash values
- Types of life insurance policies
  • 1. Universal life
    • 2. Term life
      • 3. Variable life
        • 4. Whole life
          - Policy provisions and riders
          - Group life insurance
          Topic 4: Annuities10-15%- Fixed and variable annuities
          - Annuitization options
          - Taxation of annuities
          - Indexed annuities
          Topic 5: Accident and Health Insurance30-35%- Disability income insurance
          - Health insurance basics
          - Group health insurance
          - Accident insurance
          - Major medical policies
          - Policy provisions and exclusions
          - Medical expense plans
          Topic 6: Pennsylvania Insurance Laws and Regulations15-20%- State licensing requirements
          - Consumer protection rules
          - Policy forms and approval
          - Unfair trade practices
          - Continuing education requirements

          Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

          Question #1

          All of the following statements about aleatory contracts are true EXCEPT

          • A. the insured and insurer contribute equally to they contract.
          • B. they may be interpreted as a form of gambling.
          • C. if a loss occurs, the insured's premium is small in relation to the amount the insurer pays.
          • D. there are cases where the insurer pays nothing.
          Reveal Solution  Discussion  0

          Correct Answer: A  🗳️

          Explanation: Only visible for TestkingPass members. You can sign-up / login (it's free).

          Question #2

          What provision allows the insured a period of time in which to review a newly-issued insurance policy and. if dissatisfied for any reason, return it for a full refund of the premium?

          • A. probationary period
          • B. grace period
          • C. right to examine
          • D. elimination period
          Reveal Solution  Discussion  0

          Correct Answer: C  🗳️

          Explanation: Only visible for TestkingPass members. You can sign-up / login (it's free).

          Question #3

          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 a person who failed the written insurance examination so long as the written examination is passed within 1 year.
          • B. 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.
          • C. A temporary license is automatically issued to the executor of a deceased licensed insurance producer
          • D. A temporary license may be issued to the surviving spouse of the licensed producer to allow adequate time for the sale of the business.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

          Explanation: Only visible for TestkingPass members. You can sign-up / login (it's free).

          Question #4

          The accumulated cash value of a whole life insurance policy becomes the

          • A. amount used to purchase paid up additions to the insured's policy.
          • B. funds used to offset policy administration and conversion expenses
          • C. face amount payable upon the insured's death.
          • D. policy loan value upon which the policyowner may borrow.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

          Explanation: Only visible for TestkingPass members. You can sign-up / login (it's free).

          Question #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. conditionally renewable
          • C. non-renewable
          • D. guaranteed issue
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

          Explanation: Only visible for TestkingPass members. You can sign-up / login (it's free).

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