PDF for the commute, desktop engine for deep drills, online engine for any device — ValidVCE lets you prepare for the PA-Life-Accident-and-Health exam on your own terms. Each format carries the identical 162 practice questions for the Insurance Licensing Pennsylvania Life, Accident and Health exam.
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 |
| Exam Duration: | 170 minutes |
| Exam Price: | $43 - $55 USD |
| Real Exam Qty: | 150 |
| Available Languages: | English |
| Exam Format: | Computer-Based, Multiple Choice |
| Passing Score: | 70% (105 out of 150) |
| Certificate Validity Period: | 2 years |
| Related Certifications: | Pennsylvania Accident and Health Insurance License Pennsylvania Life Insurance License |
| Recommended Training: | Pennsylvania Insurance Department Pre-Exam Courses |
| Exam Registration: | PSI Services Registration |
| 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:
| Section | Weight | Objectives |
|---|---|---|
| Annuities | 10-15% | - Fixed and variable annuities - Indexed annuities - Annuitization options - Taxation of annuities |
| Pennsylvania Insurance Laws and Regulations | 15-20% | - Policy forms and approval - Unfair trade practices - Consumer protection rules - Continuing education requirements - State licensing requirements |
| Accident and Health Insurance | 30-35% | - Major medical policies - Health insurance basics - Policy provisions and exclusions - Group health insurance - Accident insurance - Disability income insurance - Medical expense plans |
| Life Insurance | 30-35% | - Types of life insurance policies
- Policy provisions and riders - Policy loans and cash values - Group life insurance - Settlement options |
| General Insurance Concepts | 10-15% | - Insurance contract law - Risk and insurance principles - Insurable interest - Agent authority and responsibilities |
| Ethics and Professional Conduct | 10-15% | - Fiduciary duties - Suitability standards - Privacy and confidentiality - Disclosure requirements |
Read Before You Register: PA-Life-Accident-and-Health Exam Q&A
Minimum 24 hours of approved pre-licensing education recommended; background check required; no fingerprinting required in Pennsylvania These conditions come from Insurance Licensing and can be revised, so confirm the current requirements on the official exam page: https://www.insurance.pa.gov — better a two-minute check than a wasted Insurance Licensing Pennsylvania Life, Accident and Health registration.
The Insurance Licensing Pennsylvania Life, Accident and Health exam gives you 170 minutes to work through 150 questions. Split that down and each question earns only a narrow slice of the clock — lingering too long on one item borrows time from three others. Build the habit now: run timed, full-length sessions in the ValidVCE test engine until finishing early feels normal on the real PA-Life-Accident-and-Health exam.
Insurance Licensing recommends these official training resources:
Once the coursework is done, pressure-test it with the 162 practice questions for the PA-Life-Accident-and-Health exam from ValidVCE — theory only counts when it survives exam conditions.
The PA-Life-Accident-and-Health exam is Insurance Licensing's official assessment leading to the Pennsylvania Life, Accident and Health Insurance Producer License certification, which sits at the Entry Level / Producer level. It validates job-ready, vendor-recognized skills — the kind employers screen for. It also belongs to a wider certification family that includes Pennsylvania Life Insurance License, Pennsylvania Accident and Health Insurance License, so it can anchor a longer credential roadmap.
Delivery takes about a minute: after payment, ValidVCE emails your PA-Life-Accident-and-Health download instantly — if nothing arrives within 2 hours, check spam and contact support for an immediate resend. Install it on as many computers as you like. On failure: take the corresponding PA-Life-Accident-and-Health exam within 60 days of purchase, and a fail qualifies you for a full refund. File within 2 days after the exam with a scanned enrollment slip and the official Score Report PDF; claims close within 7 days. Excluded are attempts within 3 days of purchase, exams never actually taken, free materials, and expired orders — and the candidate name must match the payer name. Prefer to keep studying? On request we can exchange your product for two free exam products of equal value, and your original purchase keeps its update service.
The Insurance Licensing Pennsylvania Life, Accident and Health syllabus divides into 6 domains, led by Annuities (10-15%), General Insurance Concepts (10-15%), Life Insurance (30-35%). Heavier domains deserve heavier study time — the complete outline with every domain is listed above on this page.
Book through the official Insurance Licensing registration channels:
One thing to note while booking: the exam is delivered via Computer-based testing; available at PSI testing centers or via remote proctoring.
Plan on $43 - $55 USD per attempt, with 70% (105 out of 150) required to pass the Insurance Licensing Pennsylvania Life, Accident and Health exam. Since every retake bills the full fee again, the cheapest strategy is arriving overprepared. Test yourself with ValidVCE practice questions first — when your timed scores clear 70% (105 out of 150) consistently, booking the PA-Life-Accident-and-Health exam becomes a formality.
Yes — a free demo is available for the Insurance Licensing Pennsylvania Life, Accident and Health product, so you can review the question style and verified answers yourself first. After purchase, 365 days of free updates are included; once the year ends, the update service renews at a 50% discount from your member zone.
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
To receive proceeds from a death benefit a minor
- A. must be related to the insured.
- B. can only be named as a contingent beneficiary.
- C. must have an appointed guardian.
- D. must be at least 16 years old.
Correct Answer: C 🗳️
Explanation: Only visible for ValidVCE members. You can sign-up / login (it's free).
When an insurer has the right to terminate a health insurance policy for specific reasons other than the insured's health, the plan is described as
- A. conditionally renewable.
- B. condition dependent.
- C. flexibly renewable.
- D. guaranteed renewable.
Correct Answer: A 🗳️
Explanation: Only visible for ValidVCE members. You can sign-up / login (it's free).
Which of the following policies has a guaranteed interest rate with the possibility to earn an interest rate higher than the guaranteed rate?
- A. Credit life.
- B. Renewable term.
- C. Universal life.
- D. Term insurance.
Correct Answer: C 🗳️
Explanation: Only visible for ValidVCE members. You can sign-up / login (it's free).
Written proof of loss must be furnished to the health insurer within how many days after the date of loss?
- A. 45 days.
- B. 90 days.
- C. 30 days.
- D. 15 days.
Correct Answer: B 🗳️
Explanation: Only visible for ValidVCE members. You can sign-up / login (it's free).
For the insured, what changes are made to both coverage and premiums under the Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage in comparison to the original group coverage?
- A. Out-of-pocket expenses remain the same, while coverage decreases.
- B. Coverage remains the same, while premiums increase.
- C. Coverage and premium expenses remain the same.
- D. Out-of-pocket expenses increase, while coverage decreases.
Correct Answer: B 🗳️
Explanation: Only visible for ValidVCE members. You can sign-up / login (it's free).
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