Insurance Licensing PA-Life-Accident-and-Health : Pennsylvania Life, Accident and Health Exam

PA-Life-Accident-and-Health real exams

Exam Code: PA-Life-Accident-and-Health

Exam Name: Pennsylvania Life, Accident and Health Exam

Updated: Aug 24, 2026

Q & A: 162 Questions and Answers

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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:

SectionWeightObjectives
Topic 1: Individual Health Insurance Policy General Provisions- Other provisions
- Uniform required provisions
- Optional provisions
Topic 2: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health30%- Unfair trade practices
- Penalties and offenses
- Agent conduct and trade practices
- Licensing requirements
- Pennsylvania Insurance Department
Topic 3: Life Insurance Basics8%- 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 4: General Insurance6%- Contracts
- Insurers
- Agents and general rules of agency
- Concepts
Topic 5: Group Health Insurance- Group health insurance provisions
- Group health insurance concepts
- Group health insurance plans
Topic 6: Life Insurance Policies11%- Specialized policies
- Term life insurance
- Whole life insurance
- Group life insurance
- Flexible premium policies
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: Annuities- Annuity products
- Annuity principles and concepts
- Annuity taxation
Topic 10: Insurance Regulation8%- Licensing
- State regulation
- Federal regulation

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. 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.


2. Which rider includes coverage for the insured's spouse and children?

A) Jumping juvenile
B) Family
C) Payor benefit
D) Guaranteed insurability


3. 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.


4. 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.


5. 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.


Solutions:

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

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