PDF Version DemoInsurance 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 |
| Available Languages: | English |
| Exam Duration: | 170 minutes |
| Exam Format: | Computer-Based, Multiple Choice |
| Related Certifications: | Pennsylvania Life Insurance License Pennsylvania Accident and Health Insurance License |
| Certificate Validity Period: | 2 years |
| Passing Score: | 70% (105 out of 150) |
| Real Exam Qty: | 150 |
| Exam Price: | $43 - $55 USD |
| Recommended Training: | Pennsylvania Insurance Department Pre-Exam Courses |
| Exam Registration: | PSI Services Registration |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| 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:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Insurance Concepts | 10-15% | - Agent authority and responsibilities - Risk and insurance principles - Insurable interest - Insurance contract law |
| Topic 2: Pennsylvania Insurance Laws and Regulations | 15-20% | - Continuing education requirements - Consumer protection rules - Policy forms and approval - Unfair trade practices - State licensing requirements |
| Topic 3: Annuities | 10-15% | - Fixed and variable annuities - Taxation of annuities - Annuitization options - Indexed annuities |
| Topic 4: Ethics and Professional Conduct | 10-15% | - Disclosure requirements - Privacy and confidentiality - Suitability standards - Fiduciary duties |
| Topic 5: Accident and Health Insurance | 30-35% | - Major medical policies - Accident insurance - Health insurance basics - Medical expense plans - Group health insurance - Policy provisions and exclusions - Disability income insurance |
| Topic 6: Life Insurance | 30-35% | - Beneficiary designations - Policy provisions and riders - Types of life insurance policies
- Settlement options - Group life insurance |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Question #1
An annuitant dies during the accumulation period. What happens to the cash in the annuity?
A. it is paid into the estate
B. the company keeps it
C. it is paid to the IRS
D. it is paid to the beneficiary
Question #2
What is the annuity payment option that provides an income for a guaranteed period of time whether or not the annuitant is alive?
A. Joint and survivor
B. Life income
C. Refund life
D. Period certain
Question #3
An insured has a stop-loss limit of $10,000, a deductible of $500, and an 80%'20% coinsurance. The insured incurs $50,000 of covered losses in an accident. How much I will the insured have to pay?
A. $500
B. $10,600
C. $10,000
D. $10,400
Question #4
According to the Pennsylvania Health Care Insurance Portability Act regulations, health coverage for eligible individuals must be offered on what basis?
A. guaranteed issue
B. conditionally renewable
C. creditable coverage
D. non-renewable
Question #5
In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?
A. Professional, social, and economic care.
B. Home-based, assisted living, and medical care.
C. Functional, rehabilitational. and medical care.
D. Skilled nursing, Intermediate, and custodial care.
Solutions:
| Question #1 Correct Answer: D | Question #2 Correct Answer: D | Question #3 Correct Answer: C | Question #4 Correct Answer: A | Question #5 Correct Answer: D |
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