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PA-Life-Accident-and-Health Online Test Engine

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  • Total Questions: 162
  • Updated on: Oct 11, 2026
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  • Total Questions: 162
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PA-Life-Accident-and-Health PDF Practice Q&A's

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  • Total Questions: 162
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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 Agent Examination
Exam Number:PA-Life-Accident-and-Health
Real Exam Qty:150
Available Languages:English
Exam Duration:170 minutes
Exam Format:Multiple-choice
Passing Score:70%
Related Certifications:Pennsylvania Insurance Producer License - Life, Accident and Health
Sample Questions: DOWNLOAD DEMO
Exam Way:Computer-based testing available at PSI test centers across Pennsylvania and via PSI Bridge online proctoring for eligible candidates.
Pre Condition:Completion of a state-approved pre-licensing course (24 hours for Life, Accident and Health combined) is required before taking the exam. Fingerprinting and background check are also required for initial licensing.
Official Syllabus URL:https://www.psiexams.com/test-takers/pa-ins-exam

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

SectionWeightObjectives
Topic 1: Specialized Health Insurance for Qualified Individuals- Medicare
- HIPAA
- Long-term care insurance
- Medicaid
Topic 2: Annuities- Annuity principles and concepts
- Annuity taxation
- Annuity products
Topic 3: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health30%- Penalties and offenses
- Agent conduct and trade practices
- Pennsylvania Insurance Department
- Unfair trade practices
- Licensing requirements
Topic 4: Insurance Regulation8%- State regulation
- Licensing
- Federal regulation
Topic 5: Individual Health Insurance Policy General Provisions- Other provisions
- Uniform required provisions
- Optional provisions
Topic 6: Group Health Insurance- Group health insurance concepts
- Group health insurance provisions
- Group health insurance plans
Topic 7: Health Insurance Basics- Health insurance concepts
- Disability income insurance
- Social insurance
- Policy provisions and riders
- Medical expense insurance
Topic 8: Life Insurance Basics8%- Premiums
- Differences in life insurance policies
- Insurable interest
- Individual underwriting by the insurer
- Business uses of life insurance
- Factors in premium determination
- Personal uses of life insurance
- Determining amount of personal life insurance
- Licensee responsibilities
Topic 9: General Insurance6%- Contracts
- Agents and general rules of agency
- Concepts
- Insurers
Topic 10: Life Insurance Policies11%- Group life insurance
- Whole life insurance
- Term life insurance
- Specialized policies
- Flexible premium policies

PA-Life-Accident-and-Health Exam: Frequently Asked Questions

The Insurance Licensing Pennsylvania Life, Accident and Health exam contains 150 to complete within 170 minutes. Timed simulation in the TestKingFree Desktop Test Engine teaches that rhythm before exam day does.

Completion of a state-approved pre-licensing course (24 hours for Life, Accident and Health combined) is required before taking the exam. Fingerprinting and background check are also required for initial licensing. Since requirements change over time, confirm the latest on the official Insurance Licensing exam page before scheduling.

TestKingFree issues a full refund if you take the Insurance Licensing Pennsylvania Life, Accident and Health exam within 60 days of purchase and do not pass. The policy does not apply if the exam is taken within 3 days of purchase, if the exam was never actually taken, or to free materials or expired orders, and the candidate name must match the payer name. Submit a scan of your enrollment slip and the official Score Report PDF within 2 days of the exam; claims are processed within 7 days. Alternatively, exchange for two free exam products of equal value and keep your original update service. Orders arrive by email within 1 minute — contact support if nothing arrives within 2 hours.

Insurance Licensing recommends these training resources for the Insurance Licensing Pennsylvania Life, Accident and Health exam:

    Follow the training with steady self-testing — the 162 practice questions from TestKingFree help you apply theory and fill any gaps the training leaves.

    Scoring and fees are published by Insurance Licensing and may change; verify the current figures on the official site.

    The official Insurance Licensing Pennsylvania Life, Accident and Health outline defines 10 domains. The leading three are Health Insurance Basics, Life Insurance Policies (11%), and Insurance Regulation (8%). The full list is in the topics section above, and TestKingFree's 162 practice questions cover each one.

    Computer-based testing available at PSI test centers across Pennsylvania and via PSI Bridge online proctoring for eligible candidates. Register for the Insurance Licensing Pennsylvania Life, Accident and Health exam through these official channels:

      After booking, TestKingFree delivers your practice questions within 1 minute — preparation starts the same day.

      The PA-Life-Accident-and-Health exam is a Insurance Licensing certification exam validating the Insurance Licensing Pennsylvania Life, Accident and Health syllabus shown above. It belongs to these credential paths: Pennsylvania Insurance Producer License - Life, Accident and Health. Candidates in 2026 prepare for it with TestKingFree's 162 practice questions, available as a printable PDF, a Windows Desktop Test Engine, and an Online Test Engine — three versions of the same materials.

      Three versions of the same study materials: a printable, expert-prepared PDF with free demo download and instant access; a Desktop Test Engine for Windows that simulates the real exam with two practice modes and works offline; and an Online Test Engine for any browser on Windows, Mac, Android, and iOS with test history and performance review. Unsure which suits you? Apply for the free demos and compare — the 162 practice questions are identical across versions, so the only question is preference. Every purchase includes 365 days of free updates, a 50% renewal discount afterward, and unlimited computer installations.

      Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

      A document that specifies the most important provisions of a purchased policy is known as a

      • A. conditional receipt.
      • B. buyer's guide.
      • C. underwriter's report.
      • D. policy summary.
      Reveal Solution  Discussion  0

      Correct Answer: D  🗳️

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

      Which is an accurate statement regarding the taxation of personal life insurance?

      • A. The interest on a policy loan is tax deductible to the insured.
      • B. Dividends and interest earned are taxable as ordinary income.
      • C. Lump sum death benefits are income tax free.
      • D. The payment of accelerated death benefits are reported as taxable Income.
      Reveal Solution  Discussion  0

      Correct Answer: C  🗳️

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

      Which activity does NOT require an insurance producer's license?

      • A. Underwriting
      • B. Negotiating
      • C. Soliciting
      • D. Selling
      Reveal Solution  Discussion  0

      Correct Answer: A  🗳️

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

      In Pennsylvania, payment on an Accelerated Death Benefit Rider may NOT be less than what percentage of the total death benefit?

      • A. 60
      • B. 25
      • C. 75
      • D. 10
      Reveal Solution  Discussion  0

      Correct Answer: B  🗳️

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

      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 one eighth times the face value of the life insurance policy
      • B. the face value of the life insurance policy
      • C. less than the face value of the life insurance policy
      • D. one and a half times the face value of the life Insurance policy
      Reveal Solution  Discussion  0

      Correct Answer: C  🗳️

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

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