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Insurance Licensing PA-Life-Accident-and-Health : Pennsylvania Life, Accident and Health Exam
- Exam Code: PA-Life-Accident-and-Health
- Exam Name: Pennsylvania Life, Accident and Health Exam
- Updated: Oct 10, 2026 Q&As: 162 Questions and Answers
About Insurance Licensing PA-Life-Accident-and-Health Exam
Certification exams evolve, and study material that stands still falls behind quietly. DumpsTests prevents that for the Insurance Licensing Pennsylvania Life, Accident and Health exam: experts check the question bank daily, and updates reach you automatically — 162 practice questions that stay current.
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 |
| Exam Price: | $43 - $55 USD |
| Exam Format: | Computer-Based, Multiple Choice |
| Available Languages: | English |
| Real Exam Qty: | 150 |
| Exam Duration: | 170 minutes |
| Certificate Validity Period: | 2 years |
| Passing Score: | 70% (105 out of 150) |
| Recommended Training: | Pennsylvania Insurance Department Pre-Exam Courses |
| Exam Registration: | PSI Services Registration |
| 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: Annuities | 10-15% | - Indexed annuities - Taxation of annuities - Annuitization options - Fixed and variable annuities |
| Topic 2: General Insurance Concepts | 10-15% | - Risk and insurance principles - Insurance contract law - Insurable interest - Agent authority and responsibilities |
| Topic 3: Ethics and Professional Conduct | 10-15% | - Suitability standards - Fiduciary duties - Disclosure requirements - Privacy and confidentiality |
| Topic 4: Life Insurance | 30-35% | - Group life insurance - Beneficiary designations - Types of life insurance policies
- Policy provisions and riders - Policy loans and cash values |
| Topic 5: Pennsylvania Insurance Laws and Regulations | 15-20% | - Continuing education requirements - Policy forms and approval - State licensing requirements - Unfair trade practices - Consumer protection rules |
| Topic 6: Accident and Health Insurance | 30-35% | - Disability income insurance - Health insurance basics - Accident insurance - Medical expense plans - Group health insurance - Major medical policies - Policy provisions and exclusions |
PA-Life-Accident-and-Health Practice Questions: Answers
The Insurance Licensing Pennsylvania Life, Accident and Health exam requires a score of 70% (105 out of 150) to pass, and the official registration fee is $43 - $55 USD. Knowing both numbers before you register keeps your preparation budget realistic.
The Insurance Licensing Pennsylvania Life, Accident and Health practice questions are organized around the official exam objectives. Key topics include:
- General Insurance Concepts (10-15%)
- Accident and Health Insurance (30-35%)
- Annuities (10-15%)
A systematic pass through these topics covers the syllabus end to end.
You can register for the Insurance Licensing Pennsylvania Life, Accident and Health exam through the official channels:
The Insurance Licensing Pennsylvania Life, Accident and Health exam is scored on a scale where 70% (105 out of 150) is required to pass, and the official exam fee is $43 - $55 USD.
Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania
You can confirm the current eligibility requirements on the official PA-Life-Accident-and-Health exam page before you register.
Our experts review the question bank every day, and whenever a new version is released, our system sends it to your email automatically — no request needed. If an update ever seems to go missing, check your junk or spam folder first, since automated messages occasionally land there; contact us if it truly never arrived.
Many candidates combine practice questions with official training. Recommended options include:
The Insurance Licensing Pennsylvania Life, Accident and Health exam contains 150 questions, and you will have 170 minutes minutes to complete them. Practicing under these exact constraints makes the real exam feel like one more rehearsal.
Yes. If anything about the updated material or your preparation is unclear, you can contact our experts directly after purchase. They will work through your question and offer professional advice on how to approach the material, so the product comes with guidance, not just files.
This package includes 162 practice questions for the Insurance Licensing Pennsylvania Life, Accident and Health exam. Every answer is verified by an experienced team of experts, so you can trust what you study.
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Question #1
An insured added a cost of living rider to his life insurance policy to ensure his death benefit increases in accordance with
- A. his salary.
- B. the stock index.
- C. the inflation index.
- D. family growth.
Correct Answer: C 🗳️
Explanation: Only visible for DumpsTests members. You can sign-up / login (it's free).
Question #2
Nearly every life insurer in the United States belongs to the
- A. National Association of Insurance Commissioners.
- B. Securities Exchange Commission.
- C. Medical Information Bureau.
- D. Centers for Medicare and Medicaid Services.
Correct Answer: C 🗳️
Explanation: Only visible for DumpsTests members. You can sign-up / login (it's free).
Question #3
Which of the following is a contract that is usually sold by a terminally ill person to an entity that receives death benefits from the policy at the insured's death?
- A. Legal
- B. Physical
- C. Pure
- D. Soeculative
Correct Answer: D 🗳️
Explanation: Only visible for DumpsTests members. You can sign-up / login (it's free).
Question #4
Which term describes an insurer operating in the state in which it is incorporated?
- A. participating
- B. domestic
- C. foreign
- D. resident
Correct Answer: B 🗳️
Explanation: Only visible for DumpsTests members. You can sign-up / login (it's free).
Question #5
An insured submits a $300 claim for medical expenses. The insurer notes that the insured has a past due premium of $100, and as a result, the insurer only pays $200. * Which of the following General Policy Provisions covers this situation?
- A. renewability
- B. payment actions
- C. unpaid premium
- D. payment of claims
Correct Answer: C 🗳️
Explanation: Only visible for DumpsTests members. You can sign-up / login (it's free).
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