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: Sep 19, 2026

Q & A: 162 Questions and Answers

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

SectionWeightObjectives
Accident and Health Insurance30-35%- Policy provisions and exclusions
- Accident insurance
- Health insurance basics
- Group health insurance
- Major medical policies
- Disability income insurance
- Medical expense plans
Pennsylvania Insurance Laws and Regulations15-20%- Unfair trade practices
- Continuing education requirements
- Consumer protection rules
- State licensing requirements
- Policy forms and approval
General Insurance Concepts10-15%- Insurance contract law
- Insurable interest
- Risk and insurance principles
- Agent authority and responsibilities
Ethics and Professional Conduct10-15%- Suitability standards
- Privacy and confidentiality
- Fiduciary duties
- Disclosure requirements
Annuities10-15%- Fixed and variable annuities
- Indexed annuities
- Taxation of annuities
- Annuitization options
Life Insurance30-35%- Group life insurance
- Beneficiary designations
- Types of life insurance policies
  • 1. Term life
    • 2. Whole life
      • 3. Universal life
        • 4. Variable life
          - Settlement options
          - Policy loans and cash values
          - Policy provisions and riders

          Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

          Question #1

          Backdating on a life insurance policy is the practice of

          • A. making the policy effective on an earlier date than the present.
          • B. accepting the premium after the expiration of the grace period.
          • C. excluding medical coverage for preexisting medical conditions.
          • D. reinstating a lapsed policy.
          Reveal Solution  Discussion  0

          Correct Answer: A  🗳️

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          Question #2

          Statements made on an application that the insured guarantees to be true are

          • A. warranties.
          • B. estoppel.
          • C. waivers.
          • D. material facts.
          Reveal Solution  Discussion  0

          Correct Answer: A  🗳️

          Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).

          Question #3

          The premium mode defines the

          • A. frequency of the premium payment.
          • B. premium amount
          • C. premium limit. I
          • D. method of premium payment (cash or credit).
          Reveal Solution  Discussion  0

          Correct Answer: A  🗳️

          Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).

          Question #4

          Which of the following represents a reduced paid-up nonforfeiture option?

          • A. A full share of expense loading must be included in the premium on the reduced coverage.
          • B. The new face amount is the same as the original policy.
          • C. Further premiums must be paid on the reduced policy.
          • D. The policy will have a decreased face amount
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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          Question #5

          Returning part of the commission or giving anything of value to the insured for purchasing a policy is

          • A. rebating.
          • B. coercion.
          • C. twisting.
          • D. refunding.
          Reveal Solution  Discussion  0

          Correct Answer: A  🗳️

          Explanation: Only visible for PassTorrent members. You can sign-up / login (it's free).

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