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

  • Exam Code: PA-Life-Accident-and-Health
  • Exam Name: Pennsylvania Life, Accident and Health Exam
  • Updated: Oct 13, 2026
  • Q&As: 162 Questions and Answers

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

SectionWeightObjectives
General Insurance Concepts10-15%- Risk and insurance principles
- Insurance contract law
- Insurable interest
- Agent authority and responsibilities
Life Insurance30-35%- Group life insurance
- Settlement options
- Policy provisions and riders
- Beneficiary designations
- Types of life insurance policies
  • 1. Term life
    • 2. Variable life
      • 3. Whole life
        • 4. Universal life
          - Policy loans and cash values
          Annuities10-15%- Fixed and variable annuities
          - Taxation of annuities
          - Indexed annuities
          - Annuitization options
          Pennsylvania Insurance Laws and Regulations15-20%- Continuing education requirements
          - Consumer protection rules
          - State licensing requirements
          - Policy forms and approval
          - Unfair trade practices
          Ethics and Professional Conduct10-15%- Disclosure requirements
          - Suitability standards
          - Fiduciary duties
          - Privacy and confidentiality
          Accident and Health Insurance30-35%- Major medical policies
          - Accident insurance
          - Disability income insurance
          - Group health insurance
          - Health insurance basics
          - Policy provisions and exclusions
          - Medical expense plans

          Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

          Question #1

          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. The payment of accelerated death benefits are reported as taxable Income.
          • D. Lump sum death benefits are income tax free.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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

          Question #2

          Which of the following is a common exclusion from coverages found in accident and health policies?

          • A. Flu and pneumonia shots.
          • B. Coordination of benefits.
          • C. Emergency room coverages.
          • D. Self-inflicted injuries.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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

          Question #3

          All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT

          • A. Members pay higher monthly fees when out-of-network providers are utilized.
          • B. Members pay fixed monthly fees to the HMO.
          • C. Members receive care from providers in the HMO network.
          • D. Out-of-pocket expenses are limited as long as the network is utilized.
          Reveal Solution  Discussion  0

          Correct Answer: A  🗳️

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

          Question #4

          Which is NOT subject to exclusion from coverage under long-term care (LTC) policies?

          • A. self-inflicted injuries
          • B. organically-based mental illness (e.g.. senile dementia)
          • C. chemical or alcohol dependency
          • D. injuries from War
          Reveal Solution  Discussion  0

          Correct Answer: B  🗳️

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

          Question #5

          In a hospital indemnity plan, an elimination period refers to the number of days

          • A. an insured must wait before becoming eligible to receive benefits for the term of the plan.
          • B. for which the insured can receive benefits for each hospital visit.
          • C. for which the insured can receive benefits for the term of the plan.
          • D. an Insured must wait before becoming eligible to receive benefits for each hospital stay.
          Reveal Solution  Discussion  0

          Correct Answer: D  🗳️

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

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