Try and practice the latest Insurance Licensing : PA-Life-Accident-and-Health real questions & answers

Last Updated: Sep 02, 2026

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Insurance Licensing PA-Life-Accident-and-Health Exam Overview:

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 Accident & Health Insurance Producer License
Pennsylvania Life Insurance Producer License
Pennsylvania Health Insurance Producer License
Real Exam Qty:150
Certificate Validity Period:2 years
Exam Duration:150 minutes
Passing Score:70% (scaled score)
Exam Price:$49–$55 USD (varies by testing provider fees)
Available Languages:English
Exam Format:Multiple Choice
Recommended Training:ExamFX Insurance Prelicensing Courses
Kaplan Financial Education - Insurance Licensing Prep
Exam Registration:Pennsylvania Insurance Department Licensing
PSI Exams - Pennsylvania Insurance Licensing
Sample Questions: DOWNLOAD DEMO
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/

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

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

Frequently Asked Questions About Insurance Licensing Pennsylvania Life, Accident and Health

The Insurance Licensing Pennsylvania Life, Accident and Health exam (exam code PA-Life-Accident-and-Health) is the official Insurance Licensing exam that leads to the Pennsylvania Insurance Producer License (Life, Accident & Health) certification, sitting at the Associate level of the Insurance Licensing certification track. It is also connected with Pennsylvania Life Insurance Producer License, Pennsylvania Health Insurance Producer License, Pennsylvania Accident & Health Insurance Producer License. If this is the credential you are working toward, the 162 practice questions at Actual4Cert map directly to its objectives.

The Insurance Licensing Pennsylvania Life, Accident and Health exam includes 150 questions, and you have 150 minutes to complete them. Divide the time limit by the question count and you get a tight average pace per item, so train yourself to flag time-consuming questions and return to them later instead of getting stuck. Before test day, run at least one full timed session in the Actual4Cert test engine under the same limits — the clock should never surprise you.

The passing score for Insurance Licensing Pennsylvania Life, Accident and Health is 70% (scaled score), and the official registration fee is $49–$55 USD (varies by testing provider fees). A failed attempt means paying that fee in full again, so your preparation budget deserves the same attention as your study plan. A practical rule: book your exam date only after you can finish a Actual4Cert practice test comfortably above the passing score more than once.

According to Insurance Licensing, candidates should meet the following before registering: Completion of Pennsylvania-approved pre-licensing education (typically 24 hours for Life & Health combined) may be required prior to exam eligibility.. Requirements can change, so confirm the latest details on the official exam page before you register.

You can register for the Insurance Licensing Pennsylvania Life, Accident and Health exam through the official channels below:

Exam delivery: Computer-based exam delivered at PSI testing centers (and/or PSI-proctored options depending on availability).

Insurance Licensing lists the following official training options for this exam:

Formal training builds the theory; pair it with the 162 practice questions from Actual4Cert to find out whether you are genuinely ready for the exam.

Yes. A free PDF demo of the PA-Life-Accident-and-Health practice questions is available to download, so you can judge the format and quality before paying anything. Every purchase also includes 365 days of free updates, and if your product expires you can extend the update service at a 50% discount.

Your order is covered by a conditional 100% money-back guarantee: if you take the corresponding exam within 60 days of purchase and do not pass, you may apply for a full refund. Exams taken within 3 days of purchase are not eligible, nor are free materials or expired orders, and the candidate name must match the payer name. To claim, submit a scanned enrollment slip and your official Score Report PDF within 2 days of the exam; claims are processed within 7 days. Prefer to keep studying? You can instead exchange your purchase for two free products of equal value while keeping the update service on your original one. Delivery itself is immediate: your product unlocks for instant download right after payment and a copy is emailed to you within a minute — if nothing arrives within 2 hours, contact our support team. There is no limit on the number of computers you can install it on.

The Insurance Licensing Pennsylvania Life, Accident and Health blueprint is divided into 4 major domains, starting with Accident and Health Insurance, General Insurance Concepts, and Pennsylvania Insurance Regulations & Ethics. The full breakdown, including every subdomain and its weighting, is listed in the Exam Topics section above — review it against your own weak areas before scheduling the exam.

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

Question 1

Under the exclusion clause, which is a scenario that would NOT be covered if death resulted?

A. Army officer killed in the line of duty
B. Commercial pilot or crew member
C. A spectator at an auto race
D. A fare-paying passenger in a regularly-scheduled airline


Question 2

In Pennsylvania, insureds entitled to convert their group insurance to individual coverage must receive notice of their right to convert at least how many days prior to the expiration of those rights?

A. 15
B. 10
C. 20
D. 5


Question 3

A type of life insurance policy most commonly used by businesses for employees is

A. a key person policy.
B. an endowment policy.
C. a group policy.
D. an equity indexed insurance policy.


Question 4

Which is NOT provided by a fixed annuity?

A. Tax-deferred growth.
B. Protection against inflation.
C. A guaranteed minimum rate of return.
D. Flexible premiums.


Question 5

Which is considered an expense factor in a life insurance premium?

A. aggregate claim amounts
B. commission
C. policy loan interest
D. Interest from investments


Solutions:

Question 1
Answer: B
Question 2
Answer: C
Question 3
Answer: C
Question 4
Answer: B
Question 5
Answer: B

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