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

  • Exam Code: PA-Life-Accident-and-Health
  • Exam Name: Pennsylvania Life, Accident and Health Exam
  • Updated: Aug 25, 2026
  • Q&As: 162 Questions and Answers

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

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

          Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

          1. An insurance producer who makes an agreement that unreasonably restrains the business of insurance may have violated regulations against:

          A) False advertising
          B) Unfair discrimination
          C) Defamation
          D) Boycott, coercion and intimidation


          2. To receive proceeds from a death benefit a minor

          A) must be related to the insured.
          B) must be at least 16 years old.
          C) can only be named as a contingent beneficiary.
          D) must have an appointed guardian.


          3. For Social Security purposes, a person with 40 quarters of coverage is considered

          A) partially insured.
          B) currently insured.
          C) fully insured.
          D) conditionally insured.


          4. 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) policy assignment provision
          B) change of occupation provision
          C) modified occupation provision
          D) modified assignment provision


          5. A group health insurance Certificate of Coverage is

          A) issued to the policyowner as proof of coverage.
          B) only provided to an employer
          C) issued in lieu of a policy.
          D) given to the employee as proof of coverage.


          Solutions:

          Question # 1
          Answer: D
          Question # 2
          Answer: D
          Question # 3
          Answer: C
          Question # 4
          Answer: B
          Question # 5
          Answer: D

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