Updated: Aug 08, 2026
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| Certification Vendor: | Pennsylvania Insurance Department |
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Agent Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Available Languages: | English |
| Exam Format: | Multiple-choice |
| Related Certifications: | Pennsylvania Insurance Producer License - Life, Accident and Health |
| Real Exam Qty: | 150 |
| Exam Duration: | 170 minutes |
| Passing Score: | 70% |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based testing available at PSI test centers across Pennsylvania and via PSI Bridge online proctoring for eligible candidates. |
| Pre Condition: | Completion of a state-approved pre-licensing course (24 hours for Life, Accident and Health combined) is required before taking the exam. Fingerprinting and background check are also required for initial licensing. |
| Official Syllabus URL: | https://www.psiexams.com/test-takers/pa-ins-exam |
| Section | Weight | Objectives |
|---|---|---|
| Insurance Regulation | 8% | - State regulation - Federal regulation - Licensing |
| Health Insurance Basics | - Policy provisions and riders - Health insurance concepts - Social insurance - Medical expense insurance - Disability income insurance | |
| Life Insurance Basics | 8% | - Factors in premium determination - Licensee responsibilities - Insurable interest - Premiums - Personal uses of life insurance - Individual underwriting by the insurer - Differences in life insurance policies - Business uses of life insurance - Determining amount of personal life insurance |
| Group Health Insurance | - Group health insurance concepts - Group health insurance plans - Group health insurance provisions | |
| Specialized Health Insurance for Qualified Individuals | - Medicare - HIPAA - Medicaid - Long-term care insurance | |
| Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Penalties and offenses - Licensing requirements - Agent conduct and trade practices - Pennsylvania Insurance Department - Unfair trade practices |
| Life Insurance Policies | 11% | - Term life insurance - Whole life insurance - Group life insurance - Flexible premium policies - Specialized policies |
| Annuities | - Annuity products - Annuity taxation - Annuity principles and concepts | |
| Individual Health Insurance Policy General Provisions | - Uniform required provisions - Optional provisions - Other provisions | |
| General Insurance | 6% | - Insurers - Agents and general rules of agency - Concepts - Contracts |
1. The Pennsylvania Insurance Department is responsible for all of the following EXCEPT
A) producers.
B) form approvals.
C) shareholders.
D) insurers
2. An Insurance producer may NOT withdraw funds from a premium trust account to
A) return premiums to an insured.
B) pay claims to an insured.
C) return deposits to insureds.
D) pay premium to insurers.
3. Managed care is typically provided under all of the following EXCEPT a
A) point-of-service (POS) plan.
B) preferred provider network health plan.
C) major medical indemnity plan.
D) health maintenance organization (HMO) plan.
4. 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) payment actions
B) renewability
C) payment of claims
D) unpaid premium
5. Long-term care policies may NOT exclude
A) alcoholism and drug addiction.
B) treatment payable by workers' compensation.
C) treatment caused by participation in criminal activities.
D) organic cognitive disorders.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: B | Question # 3 Answer: C | Question # 4 Answer: D | Question # 5 Answer: D |
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