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

  • Exam Code: PA-Life-Accident-and-Health
  • Exam Name: Pennsylvania Life, Accident and Health Exam
  • Updated: Sep 13, 2026
  • Q & A: 162 Questions and Answers

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About Insurance Licensing PA-Life-Accident-and-Health Exam Questions

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

SectionWeightObjectives
Topic 1: Ethics and Professional Conduct10-15%- Disclosure requirements
- Suitability standards
- Fiduciary duties
- Privacy and confidentiality
Topic 2: Accident and Health Insurance30-35%- Policy provisions and exclusions
- Medical expense plans
- Group health insurance
- Accident insurance
- Health insurance basics
- Disability income insurance
- Major medical policies
Topic 3: Life Insurance30-35%- Beneficiary designations
- Policy loans and cash values
- Types of life insurance policies
  • 1. Whole life
    • 2. Variable life
      • 3. Term life
        • 4. Universal life
          - Policy provisions and riders
          - Group life insurance
          - Settlement options
          Topic 4: Annuities10-15%- Taxation of annuities
          - Annuitization options
          - Indexed annuities
          - Fixed and variable annuities
          Topic 5: General Insurance Concepts10-15%- Agent authority and responsibilities
          - Risk and insurance principles
          - Insurable interest
          - Insurance contract law
          Topic 6: Pennsylvania Insurance Laws and Regulations15-20%- Consumer protection rules
          - Policy forms and approval
          - Continuing education requirements
          - Unfair trade practices
          - State licensing requirements

          Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

          Question #1

          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. Whole life policies do not have any loan provisions.
          • B. Loans can only be taken for hardship situations.
          • C. If the loan is not repaid, the net death will be reduced
          • D. This type of loan is interest free.
          Answer: C

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

          Question #2

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

          • A. Jumping juvenile
          • B. Guaranteed insurability
          • C. Payor benefit
          • D. Family
          Answer: D

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

          Question #3

          In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?

          • A. Skilled nursing, Intermediate, and custodial care.
          • B. Home-based, assisted living, and medical care.
          • C. Functional, rehabilitational. and medical care.
          • D. Professional, social, and economic care.
          Answer: A

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          Question #4

          Under traditional fixed annuity contracts, the party who assumes the investment risk is the

          • A. insurer.
          • B. beneficiary.
          • C. annuitant.
          • D. contract owner
          Answer: A

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          Question #5

          An insurance producer is appointed to transact insurance on behalf of

          • A. the Insurance Commissioner.
          • B. the Commonwealth of Pennsylvania.
          • C. all insurers.
          • D. the appointing insurer.
          Answer: D

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