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Updated: Sep 27, 2026
No. of Questions: 162 Questions & Answers with Testing Engine
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Insurance Licensing PA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | Pennsylvania Insurance Department (exam administered by PSI Services LLC) |
|---|---|
| Exam Name: | Pennsylvania Insurance Producer Examination: Life, Accident & Health |
| Exam Number: | PA-Life-Accident-and-Health |
| Passing Score: | 70% (scaled score) |
| Exam Duration: | 150 minutes |
| Available Languages: | English |
| Certificate Validity Period: | 2 years |
| Related Certifications: | Pennsylvania Life Insurance Producer License Pennsylvania Health Insurance Producer License Pennsylvania Accident & Health Insurance Producer License |
| Real Exam Qty: | 150 |
| Exam Format: | Multiple Choice |
| Exam Price: | $49–$55 USD (varies by testing provider fees) |
| Recommended Training: | Kaplan Financial Education - Insurance Licensing Prep ExamFX Insurance Prelicensing Courses |
| Exam Registration: | PSI Exams - Pennsylvania Insurance Licensing Pennsylvania Insurance Department Licensing |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based exam delivered at PSI testing centers (and/or PSI-proctored options depending on availability) |
| Pre Condition: | Completion of Pennsylvania-approved pre-licensing education (typically 24 hours for Life & Health combined) may be required prior to exam eligibility. |
| Official Syllabus URL: | https://www.insurance.pa.gov/ |
Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| General Insurance Concepts | - Policy structure and contract basics - Insurance principles and risk management |
| Accident and Health Insurance | - Long-term care insurance basics - Disability and medical expense coverage - Health insurance concepts and plans |
| Life Insurance | - Policy provisions, riders, and options - Beneficiaries and settlements - Life insurance policies and types |
| Pennsylvania Insurance Regulations & Ethics | - State licensing laws and regulations - Unfair trade practices and compliance - Ethical standards and fiduciary duties |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT
- A. Out-of-pocket expenses are limited as long as the network is utilized.
- B. Members receive care from providers in the HMO network.
- C. Members pay fixed monthly fees to the HMO.
- D. Members pay higher monthly fees when out-of-network providers are utilized.
Correct Answer: D 🗳️
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Which term describes an insurer operating in the state in which it is incorporated?
- A. domestic
- B. foreign
- C. participating
- D. resident
Correct Answer: A 🗳️
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An insured has a 20-pay life policy with a paid-up dividend option. In this option, the insured may
- A. pay up the policy early by using policy dividends.
- B. pay up the policy early by using accumulated cash values.
- C. use policy dividends to reduce the premium after 20 years.
- D. waive premium payments until the policy has accumulated enough cash values to pay it up for 20 years.
Correct Answer: A 🗳️
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Which of the following statements BEST describes a disability elimination period?
- A. A qualifying period.
- B. A benefit or utilization period.
- C. A dollar deductible rather than a time deductible.
- D. A time deductible rather than a dollar deductible.
Correct Answer: D 🗳️
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In Pennsylvania taw, personally identifiable financial information includes all of the following information EXCEPT
- A. account balance Information and payment history.
- B. information from a consumer report.
- C. information such as blind data that does not include names and addresses.
- D. Information a consumer provides to a licensee in an Insurance application.
Correct Answer: C 🗳️
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