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

  • Exam Code: PA-Life-Accident-and-Health
  • Exam Name: Pennsylvania Life, Accident and Health Exam
  • Updated: Jul 20, 2026
  • Q & A: 162 Questions and Answers

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

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

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. The clause in a life insurance policy protecting its proceeds from the beneficiary's creditors is referred to as the

A) creditor life clause.
B) credit shelter trust clause.
C) lien exclusion clause.
D) spendthrift trust clause.


2. When an insurance licensee in Pennsylvania changes their email address, which organization must be notified?

A) Pennsylvania Insurance Department
B) The National Association of Insurance Commissioners
C) The Department of Labor and Industry
D) The Insurance Agents Association


3. The Pennsylvania Insurance Department has both the right and the duty to complete which task in regards to licensed insurers?

A) provide financial rehabilitation
B) make periodic financial audits and market conduct examinations
C) modify Insurance contract conditions
D) modify statute law to accompany contract conditions


4. An insured under a disability income policy is receiving monthly benefit checks after losing both legs in an automobile accident. Although the insured could be assigned desk duties, the condition that automatically qualifies this insured for total disability classification is

A) partial.
B) presumptive.
C) recurrent.
D) residual.


5. An insurance producer who makes an agreement that unreasonably restrains the business of insurance may have violated regulations against:

A) Defamation
B) False advertising
C) Boycott, coercion and intimidation
D) Unfair discrimination


Solutions:

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

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