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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities | 10-15% | - Annuitization options - Indexed annuities - Fixed and variable annuities - Taxation of annuities |
| Topic 2: Accident and Health Insurance | 30-35% | - Health insurance basics - Policy provisions and exclusions - Disability income insurance - Medical expense plans - Accident insurance - Major medical policies - Group health insurance |
| Topic 3: Life Insurance | 30-35% | - Settlement options - Policy loans and cash values - Policy provisions and riders - Beneficiary designations - Group life insurance - Types of life insurance policies
|
| Topic 4: Pennsylvania Insurance Laws and Regulations | 15-20% | - State licensing requirements - Consumer protection rules - Continuing education requirements - Unfair trade practices - Policy forms and approval |
| Topic 5: Ethics and Professional Conduct | 10-15% | - Privacy and confidentiality - Suitability standards - Fiduciary duties - Disclosure requirements |
| Topic 6: General Insurance Concepts | 10-15% | - Agent authority and responsibilities - Insurance contract law - Insurable interest - Risk and insurance principles |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. The two perils in health insurance are accident and
A) loss.
B) job-related injury.
C) sickness.
D) liability.
2. 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) 5
D) 30
3. To prevent an insured from earning a higher income than if he or she were working, disability income policies utilize
A) coinsurance.
B) deductibles
C) benefit limits.
D) waiting periods.
4. Which one of the following type of calls is NOT exempt from the Do-Not-Call Registry?
A) calls on behalf of political organizations.
B) calls from charities.
C) insurance sales calls.
D) telephone surveys.
5. What annuity payout option has no additional payouts regardless of when the annuitant dies?
A) Life certain.
B) Cash refund.
C) Life only.
D) Installment refund.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: D | Question # 3 Answer: C | Question # 4 Answer: C | Question # 5 Answer: C |




