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

Insurance Licensing PA-Life-Accident-and-Health exam
  • Exam Code: PA-Life-Accident-and-Health
  • Exam Name: Pennsylvania Life, Accident and Health Exam
  • Updated: Oct 23, 2026
  • Q & A: 162 Questions and Answers
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About Insurance Licensing PA-Life-Accident-and-Health Exam Questions

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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 Licensing Examination
Exam Number:PA-Life-Accident-and-Health
Related Certifications:Pennsylvania Life Insurance License
Pennsylvania Accident and Health Insurance License
Real Exam Qty:150
Certificate Validity Period:2 years
Exam Price:$43 - $55 USD
Available Languages:English
Exam Duration:170 minutes
Exam Format:Multiple Choice, Computer-Based
Passing Score:70% (105 out of 150)
Recommended Training:Pennsylvania Insurance Department Pre-Exam Courses
Exam Registration:PSI Services Registration
Sample Questions:Free Download Pass PA-Life-Accident-and-Health Exam Cram
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:

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

          What PA-Life-Accident-and-Health Candidates Ask

          The package includes 162 practice questions for the PA-Life-Accident-and-Health exam, all verified and arranged in a well-balanced mix of difficulty to support progressive study.

          • Accident and Health Insurance (30-35%)
          • Annuities (10-15%)
          • Ethics and Professional Conduct (10-15%)

          Let the topic weights guide how you split your study hours.

          The Insurance Licensing Pennsylvania Life, Accident and Health questions are spread across a well-proportioned range of difficulty, from fundamentals to challenging items. That distribution lets you build confidence session by session, and by the time the real test approaches, you have already faced everything it can reasonably throw at you.

          Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania

          The PA-Life-Accident-and-Health exam contains 150 questions within 170 minutes minutes. Rehearsing under the same limit on the VerifiedDumps simulator builds calm, practiced pacing.

          To pass PA-Life-Accident-and-Health you need 70% (105 out of 150), and the official exam fee is $43 - $55 USD. Fixing both numbers early keeps your practice target concrete.

          Our service comes down to three commitments. First, the staff works around the clock online so customer demands about Insurance Licensing Pennsylvania Life, Accident and Health are met the moment they arise. Second, the team is strictly discreet: customer personal information has never been leaked, and your privacy remains protected. Third, our experts watch the renewal of the question bank, and once a change is found, the updated material goes straight to your mailbox.

          Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

          Question #1

          If an insured policyowner has a catastrophic or life threatening illness, how much money is the policyowner entitled to get from his or her viatical settlement provider?

          • A. one and a half times the face value of the life Insurance policy
          • B. the face value of the life insurance policy
          • C. one and one eighth times the face value of the life insurance policy
          • D. less than the face value of the life insurance policy
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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

          Question #2

          A producer that spends insurance premiums received from the consumer for his own personal use. has committed all of the following, EXCEPT

          • A. misappropriation.
          • B. premium theft.
          • C. fraud.
          • D. redlining.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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

          Question #3

          According to Pennsylvania insurance laws, what action can the insurance company take if the insured unintentionally understated his or her age on the original application?

          • A. All amounts payable can be reduced to what they would be if the insured had reported the correct age.
          • B. Current claims must be paid under the incorrect age, but future claims can be paid under the correct age.
          • C. The policy can be terminated for misrepresentation.
          • D. No punitive actions can be taken because the error was unintentional.
          Reveal Solution  Discussion  0

          Correct Answer: A  🗳️

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

          Question #4

          The process by which an insurer decides to whom to issue a policy is known as

          • A. risk classification.
          • B. assignment.
          • C. adverse selection.
          • D. underwriting.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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

          Question #5

          The types of life insurance generally used to cover key employee indemnification are

          • A. limited-pay, adjustable, and group life insurance.
          • B. joint, permanent and credit life insurance.
          • C. decreasing term life insurance.
          • D. universal, term, and whole life Insurance.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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

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