Exam Name: Pennsylvania Life, Accident and Health Exam
Certification Provider: Insurance Licensing
Corresponding Certification: Pennsylvania Insurance Licencing (PAIN)
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Instant Download Insurance Licensing : PA-Life-Accident-and-Health
Check Updated on: Oct 11, 2026
No. of Questions: 162 Questions & Answers with Exam Engine
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- Total Questions: 162
- Updated on: Oct 11, 2026
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- Total Questions: 162
- Updated on: Oct 11, 2026
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We keep pace with the certification center so you keep pace with the exam. The Insurance Licensing Pennsylvania Life, Accident and Health study dumps at TestKingFree: 162 practice questions for the PA-Life-Accident-and-Health exam, always current in 2026.
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 |
| Related Certifications: | Pennsylvania Insurance Producer License - Life, Accident and Health |
| Passing Score: | 70% |
| Real Exam Qty: | 150 |
| Exam Format: | Multiple-choice |
| Exam Duration: | 170 minutes |
| Available Languages: | English |
| 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:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Specialized Health Insurance for Qualified Individuals | - Medicaid - Medicare - HIPAA - Long-term care insurance | |
| Topic 2: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Agent conduct and trade practices - Licensing requirements - Unfair trade practices - Penalties and offenses - Pennsylvania Insurance Department |
| Topic 3: Annuities | - Annuity products - Annuity principles and concepts - Annuity taxation | |
| Topic 4: Health Insurance Basics | - Social insurance - Medical expense insurance - Health insurance concepts - Policy provisions and riders - Disability income insurance | |
| Topic 5: Insurance Regulation | 8% | - State regulation - Licensing - Federal regulation |
| Topic 6: Life Insurance Basics | 8% | - Licensee responsibilities - Business uses of life insurance - Determining amount of personal life insurance - Personal uses of life insurance - Insurable interest - Factors in premium determination - Individual underwriting by the insurer - Premiums - Differences in life insurance policies |
| Topic 7: General Insurance | 6% | - Concepts - Insurers - Contracts - Agents and general rules of agency |
| Topic 8: Individual Health Insurance Policy General Provisions | - Uniform required provisions - Optional provisions - Other provisions | |
| Topic 9: Group Health Insurance | - Group health insurance concepts - Group health insurance plans - Group health insurance provisions | |
| Topic 10: Life Insurance Policies | 11% | - Term life insurance - Specialized policies - Group life insurance - Flexible premium policies - Whole life insurance |
PA-Life-Accident-and-Health Exam FAQ — Measure Your Ability
Upon successful payment, our system emails the Insurance Licensing Pennsylvania Life, Accident and Health material automatically within about a minute, with 24/7 help if nothing arrives within 2 hours. If you fail the corresponding PA-Life-Accident-and-Health exam within 60 days of purchase, we refund the full amount: send a scanned enrollment slip plus the official Score Report PDF within 2 days of the exam, processed within 7 days. Excluded: exams within 3 days of purchase, candidate names that don't match the payer, and free or expired products. Or exchange for two equal-value products free.
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. Eligibility rules change over time, so verify the current requirements on the official page (official PA-Life-Accident-and-Health exam page) before registering.
The Insurance Licensing Pennsylvania Life, Accident and Health is Insurance Licensing's certification exam for Pennsylvania Insurance Licencing (PAIN), at the Licensed Insurance Producer level. Employers read it as a measure of individual ability in routine technical work. Related credentials include Pennsylvania Insurance Producer License - Life, Accident and Health.
170 minutes for 150 questions. Practice anytime anywhere with the TestKingFree APP — steady daily sessions build the pacing you need.
Yes — we provide the free PDF demo of the Insurance Licensing Pennsylvania Life, Accident and Health dumps so you can look at the content and gain a further understanding before paying. Purchases include 365 days of free updates by email; renew afterward at 50% off.
The Insurance Licensing Pennsylvania Life, Accident and Health blueprint spans 10 domains — including Life Insurance Policies (11%), Life Insurance Basics (8%), General Insurance (6%). Our material stays closely linked to these knowledge points; the complete outline above lists every subtopic.
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
The main purpose of insurance is to
- A. reduce risk.
- B. retain risk.
- C. transfer risk.
- D. avoid risk.
Correct Answer: C 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
To prevent an insured from earning a higher income than if he or she were working, disability income policies utilize
- A. coinsurance.
- B. waiting periods.
- C. deductibles
- D. benefit limits.
Correct Answer: D 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
An insurance producer who makes an agreement that unreasonably restrains the business of insurance may have violated regulations against:
- A. Unfair discrimination
- B. Defamation
- C. False advertising
- D. Boycott, coercion and intimidation
Correct Answer: D 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
A temporary insurance producer license may be initially issued for a maximum of:
- A. 180 days
- B. 365 days
- C. 30 days
- D. 90 days
Correct Answer: A 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
The commissioner may refuse to issue a license if the applicant
- A. Is not a resident of Pennsylvania.
- B. is 20-years of age.
- C. provided incorrect information on licensing application
- D. has allowed an insurance license to lapse.
Correct Answer: C 🗳️
Explanation: Only visible for TestKingFree members. You can sign-up / login (it's free).
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