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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Annuities | - Annuity principles and concepts - Annuity products - Annuity taxation | |
| Life Insurance Basics | 8% | - Premiums - Differences in life insurance policies - Factors in premium determination - Determining amount of personal life insurance - Personal uses of life insurance - Individual underwriting by the insurer - Business uses of life insurance - Insurable interest - Licensee responsibilities |
| General Insurance | 6% | - Contracts - Insurers - Concepts - Agents and general rules of agency |
| Group Health Insurance | - Group health insurance concepts - Group health insurance plans - Group health insurance provisions | |
| Specialized Health Insurance for Qualified Individuals | - Long-term care insurance - Medicare - Medicaid - HIPAA | |
| Individual Health Insurance Policy General Provisions | - Other provisions - Optional provisions - Uniform required provisions | |
| Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Unfair trade practices - Penalties and offenses - Licensing requirements - Agent conduct and trade practices - Pennsylvania Insurance Department |
| Insurance Regulation | 8% | - State regulation - Federal regulation - Licensing |
| Health Insurance Basics | - Social insurance - Health insurance concepts - Medical expense insurance - Disability income insurance - Policy provisions and riders | |
| Life Insurance Policies | 11% | - Term life insurance - Flexible premium policies - Whole life insurance - Group life insurance - Specialized policies |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?
A) Skilled nursing, Intermediate, and custodial care.
B) Professional, social, and economic care.
C) Functional, rehabilitational. and medical care.
D) Home-based, assisted living, and medical care.
2. 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) 1 year.
C) 10 years.
D) 5 years.
3. Which of the following represents a reduced paid-up nonforfeiture option?
A) The new face amount is the same as the original policy.
B) The policy will have a decreased face amount
C) A full share of expense loading must be included in the premium on the reduced coverage.
D) Further premiums must be paid on the reduced policy.
4. Which of the following is a characteristic of conversion from a group life insurance policy to an individual life insurance policy?
A) Conversion must be applied for within the time specified in the policy.
B) Proof of insurability is required.
C) Conversion must be to term insurance.
D) Premium for the new policy will be based on the age when first covered by the group policy.
5. 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
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: B | Question # 3 Answer: B | Question # 4 Answer: A | Question # 5 Answer: A |







