Updated: Jul 27, 2026
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| Certification Vendor: | Pennsylvania Insurance Department (exam administered by PSI Services LLC) |
| Exam Name: | Pennsylvania Insurance Producer Examination: Life, Accident & Health |
| Exam Number: | PA-Life-Accident-and-Health |
| Related Certifications: | Pennsylvania Life Insurance Producer License Pennsylvania Health Insurance Producer License Pennsylvania Accident & Health Insurance Producer License |
| Real Exam Qty: | 150 |
| Available Languages: | English |
| Exam Price: | $49–$55 USD (varies by testing provider fees) |
| Exam Format: | Multiple Choice |
| Certificate Validity Period: | 2 years |
| Exam Duration: | 150 minutes |
| Passing Score: | 70% (scaled score) |
| Recommended Training: | Kaplan Financial Education - Insurance Licensing Prep ExamFX Insurance Prelicensing Courses |
| Exam Registration: | Pennsylvania Insurance Department Licensing PSI Exams - Pennsylvania Insurance Licensing |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based exam delivered at PSI testing centers (and/or PSI-proctored options depending on availability) |
| Pre Condition: | Completion of Pennsylvania-approved pre-licensing education (typically 24 hours for Life & Health combined) may be required prior to exam eligibility. |
| Official Syllabus URL: | https://www.insurance.pa.gov/ |
| Section | Objectives |
|---|---|
| Life Insurance | - Beneficiaries and settlements - Policy provisions, riders, and options - Life insurance policies and types |
| Pennsylvania Insurance Regulations & Ethics | - State licensing laws and regulations - Ethical standards and fiduciary duties - Unfair trade practices and compliance |
| General Insurance Concepts | - Insurance principles and risk management - Policy structure and contract basics |
| Accident and Health Insurance | - Long-term care insurance basics - Health insurance concepts and plans - Disability and medical expense coverage |
1. Which of the following is a common exclusion from coverages found in accident and health policies?
A) Coordination of benefits.
B) Emergency room coverages.
C) Self-inflicted injuries.
D) Flu and pneumonia shots.
2. Which type of policy contains both a minimum and target premium?
A) adjustable life
B) whole life
C) graded premium life
D) universal life
3. Within how many days does the free-look provision allow the insured the right to return a long-term care policy for full premium?
A) 15
B) 10
C) 30
D) 5
4. After the hearing, if the Insurance Commissioner has determined a licensee has committed a violation of Pennsylvania Insurance Laws, what can the Insurance Commissioner do?
A) suspend the licensee's premium accounts
B) impose an administrative penalty
C) sentence the licensee up to 30 days in jail
D) immediately terminate insurer appointments
5. Which of the following represents a reduced paid-up nonforfeiture option?
A) A full share of expense loading must be included in the premium on the reduced coverage.
B) The new face amount is the same as the original policy.
C) Further premiums must be paid on the reduced policy.
D) The policy will have a decreased face amount
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: D | Question # 3 Answer: C | Question # 4 Answer: B | Question # 5 Answer: D |
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