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: Jun 17, 2026   Q&As: 162 Questions and Answers
  • Q & A: 162 Questions and Answers

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Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. I Long-term care insurance is any insurance policy or rider designed to provide coverage for a MINIMUM benefit period of

A) 1 year.
B) 5 years.
C) 2 years.
D) 10 years.


2. Which of the following gives the policyowner access to the cash value that accumulates inside the policy without having to terminate the policy?

A) Fixed-period Installments.
B) Policy Loans.
C) Spendthrift Clause.
D) Reduced Paid-up Insurance.


3. Backdating on a life insurance policy is the practice of

A) reinstating a lapsed policy.
B) accepting the premium after the expiration of the grace period.
C) making the policy effective on an earlier date than the present.
D) excluding medical coverage for preexisting medical conditions.


4. A group health insurance Certificate of Coverage is

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


5. Which of the following represents a reduced paid-up nonforfeiture option?

A) The policy will have a decreased face amount
B) Further premiums must be paid on the reduced policy.
C) A full share of expense loading must be included in the premium on the reduced coverage.
D) The new face amount is the same as the original policy.


Solutions:

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

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