PDF Version DemoIn recent years, many people choose to take Insurance Licensing PA-Life-Accident-and-Health certification exam which can make you get the Insurance Licensing certificate that is the passport to get a better job and get promotions.
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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| General Insurance Concepts | 10-15% | - Insurable interest - Insurance contract law - Agent authority and responsibilities - Risk and insurance principles |
| Pennsylvania Insurance Laws and Regulations | 15-20% | - Consumer protection rules - Policy forms and approval - Unfair trade practices - Continuing education requirements - State licensing requirements |
| Ethics and Professional Conduct | 10-15% | - Fiduciary duties - Privacy and confidentiality - Disclosure requirements - Suitability standards |
| Life Insurance | 30-35% | - Group life insurance - Beneficiary designations - Policy provisions and riders - Types of life insurance policies
- Settlement options |
| Annuities | 10-15% | - Taxation of annuities - Annuitization options - Indexed annuities - Fixed and variable annuities |
| Accident and Health Insurance | 30-35% | - Medical expense plans - Accident insurance - Health insurance basics - Disability income insurance - Group health insurance - Major medical policies - Policy provisions and exclusions |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. The accumulated cash value of a whole life insurance policy becomes the
A) amount used to purchase paid up additions to the insured's policy.
B) face amount payable upon the insured's death.
C) policy loan value upon which the policyowner may borrow.
D) funds used to offset policy administration and conversion expenses
2. An Insurance licensee must do all of the following in order to renew an insurance license EXCEPT
A) hold active insurer appointment(s).
B) submit to the department a completed renewal form.
C) complete the continuing education requirements, if applicable.
D) pay the required renewal fee.
3. In a hospital indemnity plan, an elimination period refers to the number of days
A) an insured must wait before becoming eligible to receive benefits for the term of the plan.
B) an Insured must wait before becoming eligible to receive benefits for each hospital stay.
C) for which the insured can receive benefits for each hospital visit.
D) for which the insured can receive benefits for the term of the plan.
4. An insured named her four children as beneficiaries in equal shares to her $60,000 life insurance policy. Her eldest child has two children and dies prior to the insured. The other three children do not have children of their own. If the insured designated the beneficiaries per capita, how will the proceeds be distributed?
A) The three surviving children will each receive $15,000. The remaining $15,000 will be paid to the insured's estate.
B) The three surviving children will each receive $15,000. The insured's grandchildren will each receive
$7,500.
C) The three surviving children will each receive $15,000.
D) The three surviving children will each receive $20,000.
5. When the Commissioner believes a producer has violated an insurance law, the Commissioner has the authority to:
A) Issue a cease and desist order against the producer after a hearing
B) Cancel the producer's fiduciary responsibility
C) Terminate the producer's appointment
D) Increase the producer's continuing education requirement
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: D | Question # 3 Answer: B | Question # 4 Answer: D | Question # 5 Answer: A |
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