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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Health Insurance Basics | - Disability income insurance - Health insurance concepts - Medical expense insurance - Policy provisions and riders - Social insurance | |
| Topic 2: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Penalties and offenses - Pennsylvania Insurance Department - Agent conduct and trade practices - Licensing requirements - Unfair trade practices |
| Topic 3: Specialized Health Insurance for Qualified Individuals | - Medicaid - Long-term care insurance - Medicare - HIPAA | |
| Topic 4: General Insurance | 6% | - Concepts - Agents and general rules of agency - Contracts - Insurers |
| Topic 5: Insurance Regulation | 8% | - Federal regulation - Licensing - State regulation |
| Topic 6: Group Health Insurance | - Group health insurance plans - Group health insurance concepts - Group health insurance provisions | |
| Topic 7: Annuities | - Annuity principles and concepts - Annuity taxation - Annuity products | |
| Topic 8: Life Insurance Policies | 11% | - Term life insurance - Specialized policies - Group life insurance - Flexible premium policies - Whole life insurance |
| Topic 9: Individual Health Insurance Policy General Provisions | - Optional provisions - Uniform required provisions - Other provisions | |
| Topic 10: Life Insurance Basics | 8% | - Determining amount of personal life insurance - Business uses of life insurance - Insurable interest - Differences in life insurance policies - Premiums - Personal uses of life insurance - Individual underwriting by the insurer - Factors in premium determination - Licensee responsibilities |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. Which of the following gives the policyowner access to the cash value that accumulates inside the policy without having to terminate the policy?
A) Policy Loans.
B) Spendthrift Clause.
C) Reduced Paid-up Insurance.
D) Fixed-period Installments.
2. To avoid tax consequences, a rollover from a Traditional IRA to another IRA MUST be done within
A) 60 days.
B) 90 days.
C) 45 days.
D) 0 days.
3. An annuitant dies during the accumulation period. What happens to the cash in the annuity?
A) it is paid to the IRS
B) it is paid into the estate
C) the company keeps it
D) it is paid to the beneficiary
4. Which of the following best describes how insurers predict the chance of loss?
A) insurable interest
B) current census table
C) average disability occurrences
D) the law of large numbers
5. For a contract to be valid, it MUST be for a legal purpose and involve an exchange of
A) written documentation.
B) an offer.
C) consideration.
D) an implied warranty.
Solutions:
| Question # 1 Answer: A | Question # 2 Answer: A | Question # 3 Answer: D | Question # 4 Answer: D | Question # 5 Answer: C |
