- Exam Code: PA-Life-Accident-and-Health
- Exam Name: Pennsylvania Life, Accident and Health Exam
- Updated: Sep 08, 2026
- Q & A: 162 Questions and Answers
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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Policies | 11% | - Whole life insurance - Flexible premium policies - Group life insurance - Term life insurance - Specialized policies |
| Topic 2: Insurance Regulation | 8% | - State regulation - Licensing - Federal regulation |
| Topic 3: General Insurance | 6% | - Contracts - Concepts - Insurers - Agents and general rules of agency |
| Topic 4: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Penalties and offenses - Unfair trade practices - Pennsylvania Insurance Department - Licensing requirements - Agent conduct and trade practices |
| Topic 5: Life Insurance Basics | 8% | - Factors in premium determination - Differences in life insurance policies - Insurable interest - Personal uses of life insurance - Business uses of life insurance - Premiums - Licensee responsibilities - Determining amount of personal life insurance - Individual underwriting by the insurer |
| Topic 6: Annuities | - Annuity principles and concepts - Annuity products - Annuity taxation | |
| Topic 7: Health Insurance Basics | - Health insurance concepts - Medical expense insurance - Disability income insurance - Social insurance - Policy provisions and riders | |
| Topic 8: Group Health Insurance | - Group health insurance provisions - Group health insurance plans - Group health insurance concepts | |
| Topic 9: Specialized Health Insurance for Qualified Individuals | - HIPAA - Medicare - Long-term care insurance - Medicaid | |
| Topic 10: Individual Health Insurance Policy General Provisions | - Other provisions - Uniform required provisions - Optional provisions |
Question 1
If an insured policyowner has a catastrophic or life threatening illness, how much money is the policyowner entitled to get from his or her viatical settlement provider?
A. one and a half times the face value of the life Insurance policy
B. less than the face value of the life insurance policy
C. the face value of the life insurance policy
D. one and one eighth times the face value of the life insurance policy
Question 2
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. Loans can only be taken for hardship situations.
B. This type of loan is interest free.
C. Whole life policies do not have any loan provisions.
D. If the loan is not repaid, the net death will be reduced
Question 3
Which of the following factors is NOT used to determine if an injury qualifies for Workers' Compensation coverage?
A. Circumstances of injury.
B. Severity of injury.
C. Place of occurrence.
D. Time of occurrence.
Question 4
The proposed insured's statements on a life insurance application are considered to be
A. warranties.
B. misrepresentations.
C. absolute statements.
D. representations.
Question 5
I Long-term care insurance is any insurance policy or rider designed to provide coverage for a MINIMUM benefit period of
A. 2 years.
B. 1 year.
C. 10 years.
D. 5 years.
Solutions:
| Question 1 Answer: B | Question 2 Answer: D | Question 3 Answer: B | Question 4 Answer: D | Question 5 Answer: B |
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