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Insurance Licensing PA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | Pennsylvania Insurance Department |
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Licensing Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Available Languages: | English |
| Certificate Validity Period: | 2 years |
| Exam Duration: | 170 minutes |
| Exam Format: | Multiple Choice, Computer-Based |
| Passing Score: | 70% (105 out of 150) |
| Related Certifications: | Pennsylvania Life Insurance License Pennsylvania Accident and Health Insurance License |
| Real Exam Qty: | 150 |
| Exam Price: | $43 - $55 USD |
| 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 |
Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Accident and Health Insurance | 30-35% | - Disability income insurance - Accident insurance - Health insurance basics - Group health insurance - Medical expense plans - Major medical policies - Policy provisions and exclusions |
| Annuities | 10-15% | - Taxation of annuities - Annuitization options - Indexed annuities - Fixed and variable annuities |
| Life Insurance | 30-35% | - Group life insurance - Policy loans and cash values - Types of life insurance policies
- Beneficiary designations - Policy provisions and riders |
| General Insurance Concepts | 10-15% | - Risk and insurance principles - Insurable interest - Insurance contract law - Agent authority and responsibilities |
| Ethics and Professional Conduct | 10-15% | - Suitability standards - Privacy and confidentiality - Disclosure requirements - Fiduciary duties |
| Pennsylvania Insurance Laws and Regulations | 15-20% | - Unfair trade practices - Policy forms and approval - Consumer protection rules - State licensing requirements - Continuing education requirements |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. In Pennsylvania taw, personally identifiable financial information includes all of the following information EXCEPT
A) account balance Information and payment history.
B) Information a consumer provides to a licensee in an Insurance application.
C) information such as blind data that does not include names and addresses.
D) information from a consumer report.
2. A violation of the annuity suitability laws may be determined by
A) the consumer's accountant
B) an independent agency.
C) a hearing before the Insurance Commissioner.
D) the insurer that issued the annuity.
3. When selling an insurance policy in Pennsylvania, the producer must do all of the following EXCEPT
A) submit premiums within the normal course of business.
B) emphasize the benefits of the Guaranty Association.
C) provide a notice of information practices to applicants.
D) protect any non-public or personal information about the applicant
4. A condition in a cash value life insurance policy that allows a policyowner to terminate the policy in return for a reduced paid-up policy of the same type is referred to as
A) an incontestable clause.
B) a nonforfeiture provision.
C) a reinstatement clause.
D) a grace period.
5. In a hospital indemnity plan, an elimination period refers to the number of days
A) an insured must wait before becoming eligible to receive benefits for the term of the plan.
B) for which the insured can receive benefits for each hospital visit.
C) an Insured must wait before becoming eligible to receive benefits for each hospital stay.
D) for which the insured can receive benefits for the term of the plan.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: C | Question # 3 Answer: B | Question # 4 Answer: B | Question # 5 Answer: C |
By Edgar
