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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Basics | 8% | - Business uses of life insurance - Differences in life insurance policies - Premiums - Individual underwriting by the insurer - Determining amount of personal life insurance - Factors in premium determination - Personal uses of life insurance - Insurable interest - Licensee responsibilities |
| Topic 2: Specialized Health Insurance for Qualified Individuals | - Medicaid - Long-term care insurance - Medicare - HIPAA | |
| Topic 3: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Pennsylvania Insurance Department - Unfair trade practices - Agent conduct and trade practices - Licensing requirements - Penalties and offenses |
| Topic 4: Annuities | - Annuity principles and concepts - Annuity products - Annuity taxation | |
| Topic 5: Individual Health Insurance Policy General Provisions | - Uniform required provisions - Other provisions - Optional provisions | |
| Topic 6: Life Insurance Policies | 11% | - Term life insurance - Specialized policies - Flexible premium policies - Group life insurance - Whole life insurance |
| Topic 7: Health Insurance Basics | - Medical expense insurance - Health insurance concepts - Policy provisions and riders - Disability income insurance - Social insurance | |
| Topic 8: Group Health Insurance | - Group health insurance concepts - Group health insurance plans - Group health insurance provisions | |
| Topic 9: Insurance Regulation | 8% | - Federal regulation - State regulation - Licensing |
| Topic 10: General Insurance | 6% | - Concepts - Insurers - Agents and general rules of agency - Contracts |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. Long-term care policies may NOT exclude
A) organic cognitive disorders.
B) treatment caused by participation in criminal activities.
C) alcoholism and drug addiction.
D) treatment payable by workers' compensation.
2. To receive proceeds from a death benefit a minor
A) must be at least 16 years old.
B) must have an appointed guardian.
C) must be related to the insured.
D) can only be named as a contingent beneficiary.
3. 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) 20
B) 15
C) 10
D) 5
4. I Long-term care insurance is any insurance policy or rider designed to provide coverage for a MINIMUM benefit period of
A) 2 years.
B) 10 years.
C) 5 years.
D) 1 year.
5. Which of the following statements BEST describes a disability elimination period?
A) A benefit or utilization period.
B) A time deductible rather than a dollar deductible.
C) A dollar deductible rather than a time deductible.
D) A qualifying period.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: B | Question # 3 Answer: A | Question # 4 Answer: D | Question # 5 Answer: B |




