The Insurance Licensing certificate is an important basis for measuring professional IT skills — and the PA-Life-Accident-and-Health exam is where that basis is laid. ExamTorrent supports you with 162 practice questions for the Insurance Licensing Pennsylvania Life, Accident and Health exam, quality assured and reasonably priced.
Insurance Licensing PA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | Pennsylvania Insurance Department |
|---|---|
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Licensing Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Passing Score: | 70% (105 out of 150) |
| Available Languages: | English |
| Exam Duration: | 170 minutes |
| Exam Price: | $43 - $55 USD |
| Exam Format: | Multiple Choice, Computer-Based |
| Related Certifications: | Pennsylvania Life Insurance License Pennsylvania Accident and Health Insurance License |
| Real Exam Qty: | 150 |
| Certificate Validity Period: | 2 years |
| Recommended Training: | Pennsylvania Insurance Department Pre-Exam Courses |
| Exam Registration: | PSI Services Registration |
| Sample Questions: | ![]() |
| Exam Way: | Computer-based testing; available at PSI testing centers or via remote proctoring |
| Pre Condition: | Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania |
| Official Syllabus URL: | https://www.insurance.pa.gov |
Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Pennsylvania Insurance Laws and Regulations | 15-20% | - Policy forms and approval - State licensing requirements - Continuing education requirements - Unfair trade practices - Consumer protection rules |
| Accident and Health Insurance | 30-35% | - Group health insurance - Medical expense plans - Accident insurance - Major medical policies - Health insurance basics - Disability income insurance - Policy provisions and exclusions |
| Ethics and Professional Conduct | 10-15% | - Suitability standards - Privacy and confidentiality - Disclosure requirements - Fiduciary duties |
| General Insurance Concepts | 10-15% | - Agent authority and responsibilities - Insurable interest - Risk and insurance principles - Insurance contract law |
| Annuities | 10-15% | - Fixed and variable annuities - Annuitization options - Indexed annuities - Taxation of annuities |
| Life Insurance | 30-35% | - Policy loans and cash values - Types of life insurance policies
- Policy provisions and riders - Beneficiary designations - Group life insurance |
Insurance Licensing PA-Life-Accident-and-Health: What Candidates Ask Us
Sign up through Insurance Licensing's official registration channels:
The exam itself is delivered via Computer-based testing; available at PSI testing centers or via remote proctoring, so pick the delivery option that suits you when booking.
Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania These requirements belong to Insurance Licensing and may be revised, so check the current rules on the official exam page: https://www.insurance.pa.gov before committing to a Insurance Licensing Pennsylvania Life, Accident and Health registration.
The Insurance Licensing Pennsylvania Life, Accident and Health exam contains 150 questions within 170 minutes. Knowing the content matters, but the clock decides who finishes — practice committing and moving on. Full-length timed sessions in the ExamTorrent test engine are the most direct way to rehearse that discipline before the real PA-Life-Accident-and-Health exam.
Insurance Licensing spreads the Insurance Licensing Pennsylvania Life, Accident and Health syllabus over 6 areas, with Pennsylvania Insurance Laws and Regulations (15-20%), Life Insurance (30-35%), Accident and Health Insurance (30-35%) carrying the most weight. Study proportionally to those shares — the complete outline is in the section above this page.
Yes — ExamTorrent offers a free demo with real Insurance Licensing Pennsylvania Life, Accident and Health sample questions and answers. Download it first; purchase the full product only when you are satisfied with what you see. After buying, 365 days of free updates are included — once that year ends, renew the update service at a 50% discount from your member zone.
The PA-Life-Accident-and-Health exam is Insurance Licensing's official certification test — pass it and the Pennsylvania Life, Accident and Health Insurance Producer License certificate is yours, a credential at the Entry Level / Producer level. It exists to measure practical IT skills objectively, which is why hiring managers treat it as a reliable benchmark — and why candidate numbers keep rising. It also relates to Pennsylvania Life Insurance License, Pennsylvania Accident and Health Insurance License, so the value compounds as you progress.
One Insurance Licensing Pennsylvania Life, Accident and Health attempt costs $43 - $55 USD, with 70% (105 out of 150) required to pass. Retakes charge the full fee again, so passing on your own terms means walking in overprepared. Use ExamTorrent practice questions until timed mock scores clear 70% (105 out of 150) comfortably, then book the PA-Life-Accident-and-Health exam.
Two steps complete your order, and your PA-Life-Accident-and-Health product is emailed to your mailbox within one minute of payment — download the attachment and start studying. If nothing arrives within 2 hours, check spam and contact support for an immediate resend. On failure: the refund policy applies when you sat the corresponding PA-Life-Accident-and-Health exam within 60 days of purchase. Submit a scanned enrollment slip and the official Score Report PDF within 2 days after the exam, and the refund is processed within 7 days. Excluded are attempts within 3 days of purchase, exams never actually taken, free materials, and expired orders — and the candidate name must match the payer name. Prefer to continue preparing? Exchange your product for two free exam products of equal value, keeping the update service on your original purchase.
Which official training does Insurance Licensing recommend for the PA-Life-Accident-and-Health exam?
These are the vendor's recommended training options:
Once the training is done, measure it with the 162 practice questions for the PA-Life-Accident-and-Health exam from ExamTorrent — the test engine simulates the real exam environment so there are no surprises.
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Which one of the following type of calls is NOT exempt from the Do-Not-Call Registry?
- A. telephone surveys.
- B. calls from charities.
- C. calls on behalf of political organizations.
- D. insurance sales calls.
Correct Answer: D 🗳️
Explanation: Only visible for ExamTorrent members. You can sign-up / login (it's free).
Medicare Part B pays what percent of approved charges for physician and surgeon services?
- A. 95
- B. 50
- C. 65
- D. 80
Correct Answer: D 🗳️
Explanation: Only visible for ExamTorrent members. You can sign-up / login (it's free).
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. sentence the licensee up to 30 days in jail
- B. immediately terminate insurer appointments
- C. suspend the licensee's premium accounts
- D. impose an administrative penalty
Correct Answer: D 🗳️
Explanation: Only visible for ExamTorrent members. You can sign-up / login (it's free).
The Pennsylvania Insurance Department has both the right and the duty to complete which task in regards to licensed insurers?
- A. modify Insurance contract conditions
- B. modify statute law to accompany contract conditions
- C. make periodic financial audits and market conduct examinations
- D. provide financial rehabilitation
Correct Answer: C 🗳️
Explanation: Only visible for ExamTorrent members. You can sign-up / login (it's free).
An Insurance producer may NOT withdraw funds from a premium trust account to
- A. pay premium to insurers.
- B. return premiums to an insured.
- C. pay claims to an insured.
- D. return deposits to insureds.
Correct Answer: C 🗳️
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