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

  • Exam Code: PA-Life-Accident-and-Health
  • Exam Name: Pennsylvania Life, Accident and Health Exam
  • Updated: Aug 29, 2026
  • Q & A: 162 Questions and Answers

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

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

SectionObjectives
Topic 1: Accident and Health Insurance- Disability and medical expense coverage
- Long-term care insurance basics
- Health insurance concepts and plans
Topic 2: Life Insurance- Life insurance policies and types
- Beneficiaries and settlements
- Policy provisions, riders, and options
Topic 3: Pennsylvania Insurance Regulations & Ethics- Unfair trade practices and compliance
- Ethical standards and fiduciary duties
- State licensing laws and regulations
Topic 4: General Insurance Concepts- Policy structure and contract basics
- Insurance principles and risk management

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

Question 1

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. 10
D. 75


Question 2

The levels of coverage defined in the Affordable Care Act are

A. HMO, EPO, POS, and PPO.
B. Child Only, Limited Benefit Plan, Catastrophic, and Major Medical
C. Bronze, Silver. Gold, and Platinum.
D. Individual, Parent-Child, Spousal, and Family.


Question 3

A type of life insurance policy most commonly used by businesses for employees is

A. a key person policy.
B. a group policy.
C. an endowment policy.
D. an equity indexed insurance policy.


Question 4

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


Question 5

The Pennsylvania Insurance Department is responsible for all of the following EXCEPT

A. form approvals.
B. shareholders.
C. producers.
D. insurers


Solutions:

Question 1
Answer: B
Question 2
Answer: C
Question 3
Answer: B
Question 4
Answer: A
Question 5
Answer: B

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