PA-Life-Accident-and-Health actual exam practice material help you to clear PA-Life-Accident-and-Health test. If you want get professional and Insurance Licensing real practice, recommend you to use our PA-Life-Accident-and-Health actual test practice material latest version.
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| Certification Vendor: | Pennsylvania Insurance Department |
|---|---|
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Licensing Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Exam Format: | Multiple Choice, Computer-Based |
| Passing Score: | 70% (105 out of 150) |
| Exam Duration: | 170 minutes |
| Real Exam Qty: | 150 |
| Certificate Validity Period: | 2 years |
| Exam Price: | $43 - $55 USD |
| Related Certifications: | Pennsylvania Life Insurance License Pennsylvania Accident and Health Insurance License |
| Available Languages: | English |
| Recommended Training: | Pennsylvania Insurance Department Pre-Exam Courses |
| Exam Registration: | PSI Services Registration |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based testing; available at PSI testing centers or via remote proctoring |
| Pre Condition: | Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania |
| Official Syllabus URL: | https://www.insurance.pa.gov |
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities | 10-15% | - Taxation of annuities - Indexed annuities - Annuitization options - Fixed and variable annuities |
| Topic 2: Pennsylvania Insurance Laws and Regulations | 15-20% | - State licensing requirements - Unfair trade practices - Policy forms and approval - Continuing education requirements - Consumer protection rules |
| Topic 3: Life Insurance | 30-35% | - Settlement options - Policy loans and cash values - Beneficiary designations - Policy provisions and riders - Group life insurance - Types of life insurance policies
|
| Topic 4: Accident and Health Insurance | 30-35% | - Disability income insurance - Group health insurance - Major medical policies - Policy provisions and exclusions - Medical expense plans - Health insurance basics - Accident insurance |
| Topic 5: Ethics and Professional Conduct | 10-15% | - Privacy and confidentiality - Fiduciary duties - Disclosure requirements - Suitability standards |
| Topic 6: General Insurance Concepts | 10-15% | - Risk and insurance principles - Insurance contract law - Insurable interest - Agent authority and responsibilities |
The PA-Life-Accident-and-Health exam (Pennsylvania Life, Accident and Health Exam) is the official Insurance Licensing exam that leads to the Pennsylvania Life, Accident and Health Insurance Producer License certification, a credential at the Entry Level / Producer level. Related certifications include Pennsylvania Life Insurance License, Pennsylvania Accident and Health Insurance License. Actual4test provides 162 practice questions to help you prepare for it with confidence.
The PA-Life-Accident-and-Health exam contains 150 questions and gives you 170 minutes to finish them. Before exam day, divide the total time by the question count so you know the pace you need to keep, and flag difficult items instead of getting stuck on them. Running at least one full timed session in the Actual4test test engine is the best way to make that time pressure feel familiar.
You need 70% (105 out of 150) to pass, and the official registration fee is $43 - $55 USD. Keep in mind that a failed attempt means paying that fee in full again, so it pays to test yourself first. When your scores on the Actual4test timed practice tests stay consistently above the passing line, you are ready to book the exam.
Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania Requirements can change over time, so always double-check the latest eligibility rules before you register on the official Insurance Licensing exam page.
You can book your exam through the official registration channels:
The exam is delivered in the following way: Computer-based testing; available at PSI testing centers or via remote proctoring.
Insurance Licensing recommends the following training options for this exam:
Official courses build the foundation, and the 162 PA-Life-Accident-and-Health practice questions from Actual4test help you turn that knowledge into exam-day performance.
Yes. Actual4test offers a free PA-Life-Accident-and-Health PDF demo so you can check the quality of the practice questions before purchasing. After you buy, your product comes with 365 days of free updates, and if it expires you can renew the update service at a 50% discount from your member zone.
Your purchase is protected by our 100% Money Back Guarantee. If you take the corresponding PA-Life-Accident-and-Health exam within 60 days of purchase and do not pass, send us a scan of your enrollment slip and the official Score Report PDF within two days of the exam, and the full refund will be processed within seven days. The candidate name must match the payer name; exams taken within three days of purchase, free materials, and expired orders are not eligible. If you would rather not refund, you can exchange your product for two free products of equal value and keep the update service on your original purchase. Delivery itself is instant: your material is available for download and is emailed to you within one minute of payment. If nothing arrives within two hours, contact our support team. There is no limit on how many computers you may install it on.
The PA-Life-Accident-and-Health syllabus is organized into 6 exam domains. Among the first three are Pennsylvania Insurance Laws and Regulations (15-20%), Annuities (10-15%), Life Insurance (30-35%). For the complete breakdown of topics and subtopics, see the Exam Topics section above.
Question 1
Rob. Joe. and Mike are brothers who have a $60,000 "first-to-die" joint life policy covering all three of their lives. If Joe dies first, the policy
A. must be shared equally by Rob and Joe's wife.
B. will accumulate with interest until another brother dies and then be awarded to the surviving brother.
C. must be awarded to Joe's estate.
D. will not provide further Insurance protection.
Question 2
Which rider includes coverage for the insured's spouse and children?
A. Family
B. Jumping juvenile
C. Guaranteed insurability
D. Payor benefit
Question 3
In Pennsylvania, the insurer is liable for a claim under a health insurance policy if the insured is injured while
A. committing an illegal act
B. engaged in an illegal occupation.
C. under the influence of prescribed medication.
D. intoxicated.
Question 4
When a Pennsylvania producer's appointment is to be terminated, how many days does the insurer have to submit a copy of the statement to the producer after notification to the commissioner?
A. 45
B. 60
C. 90
D. 15
Question 5
An insured has a stop-loss limit of $10,000, a deductible of $500, and an 80%'20% coinsurance. The insured incurs $50,000 of covered losses in an accident. How much I will the insured have to pay?
A. $10,000
B. $10,400
C. $10,600
D. $500
Solutions:
| Question 1 Answer: D | Question 2 Answer: A | Question 3 Answer: C | Question 4 Answer: B | Question 5 Answer: A |
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