Insurance Licensing PA-Life-Accident-and-Health Exam Information and Actual Questions

  • Exam Code/Number: PA-Life-Accident-and-Health
  • Exam Name/Title: Pennsylvania Life, Accident and Health Exam
  • Certification Provider: Insurance Licensing
  • Corresponding Certification: Pennsylvania Insurance Licencing (PAIN)
  • Exam Questions: 162
  • Updated On: Aug 29, 2026

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

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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
Related Certifications:Pennsylvania Life Insurance License
Pennsylvania Accident and Health Insurance License
Exam Duration:170 minutes
Certificate Validity Period:2 years
Real Exam Qty:150
Available Languages:English
Exam Price:$43 - $55 USD
Passing Score:70% (105 out of 150)
Exam Format:Multiple Choice, Computer-Based
Recommended Training:Pennsylvania Insurance Department Pre-Exam Courses
Exam Registration:PSI Services Registration
Sample Questions:Insurance Licensing PA-Life-Accident-and-Health 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:

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


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