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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Basics | 8% | - Determining amount of personal life insurance - Licensee responsibilities - Premiums - Business uses of life insurance - Differences in life insurance policies - Individual underwriting by the insurer - Insurable interest - Factors in premium determination - Personal uses of life insurance |
| Topic 2: Individual Health Insurance Policy General Provisions | - Other provisions - Uniform required provisions - Optional provisions | |
| Topic 3: Life Insurance Policies | 11% | - Specialized policies - Term life insurance - Whole life insurance - Group life insurance - Flexible premium policies |
| Topic 4: Insurance Regulation | 8% | - Licensing - State regulation - Federal regulation |
| Topic 5: General Insurance | 6% | - Contracts - Insurers - Agents and general rules of agency - Concepts |
| Topic 6: Group Health Insurance | - Group health insurance provisions - Group health insurance concepts - Group health insurance plans | |
| Topic 7: Specialized Health Insurance for Qualified Individuals | - Medicaid - Long-term care insurance - HIPAA - Medicare | |
| Topic 8: Health Insurance Basics | - Policy provisions and riders - Health insurance concepts - Disability income insurance - Medical expense insurance - Social insurance | |
| Topic 9: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Unfair trade practices - Penalties and offenses - Agent conduct and trade practices - Licensing requirements - Pennsylvania Insurance Department |
| Topic 10: Annuities | - Annuity products - Annuity principles and concepts - Annuity taxation |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
In Pennsylvania, a provision that protects a policyowner from a misrepresentation caused by an innocent mistake on the application after 2 years is
- A. a negligence provision.
- B. an Incontestability provision.
- C. a nonforfeiture provision.
- D. an elimination provision.
Correct Answer: B π³οΈ
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Which rider includes coverage for the insured's spouse and children?
- A. Jumping juvenile
- B. Family
- C. Payor benefit
- D. Guaranteed insurability
Correct Answer: B π³οΈ
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Which of the following is a common exclusion from coverages found in accident and health policies?
- A. Self-inflicted injuries.
- B. Emergency room coverages.
- C. Flu and pneumonia shots.
- D. Coordination of benefits.
Correct Answer: A π³οΈ
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She has a $200,000 whole life policy with a $50,000 cash value. She wishes to borrow $30,000 for the purchase of a new van. Which of the following is TRUE in this situation?
- A. If the loan is not repaid, the net death will be reduced
- B. This type of loan is interest free.
- C. Whole life policies do not have any loan provisions.
- D. Loans can only be taken for hardship situations.
Correct Answer: A π³οΈ
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Backdating on a life insurance policy is the practice of
- A. excluding medical coverage for preexisting medical conditions.
- B. making the policy effective on an earlier date than the present.
- C. accepting the premium after the expiration of the grace period.
- D. reinstating a lapsed policy.
Correct Answer: B π³οΈ
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