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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance | 30-35% | - Beneficiary designations - Settlement options - Policy loans and cash values - Group life insurance - Types of life insurance policies
|
| Topic 2: Pennsylvania Insurance Laws and Regulations | 15-20% | - Unfair trade practices - Consumer protection rules - Policy forms and approval - Continuing education requirements - State licensing requirements |
| Topic 3: Ethics and Professional Conduct | 10-15% | - Privacy and confidentiality - Suitability standards - Fiduciary duties - Disclosure requirements |
| Topic 4: Accident and Health Insurance | 30-35% | - Group health insurance - Policy provisions and exclusions - Major medical policies - Medical expense plans - Health insurance basics - Disability income insurance - Accident insurance |
| Topic 5: Annuities | 10-15% | - Annuitization options - Taxation of annuities - Fixed and variable annuities - Indexed annuities |
| Topic 6: General Insurance Concepts | 10-15% | - Insurance contract law - Risk and insurance principles - Agent authority and responsibilities - Insurable interest |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Question 1
Which of the following is a characteristic of conversion from a group life insurance policy to an individual life insurance policy?
A. Proof of insurability is required.
B. Conversion must be to term insurance.
C. Premium for the new policy will be based on the age when first covered by the group policy.
D. Conversion must be applied for within the time specified in the policy.
Question 2
An applicant purchases a life Insurance policy to avoid the forced sale of assets upon his death. What is this action called?
A. Capital liquidation.
B. Capital retention.
C. Buy-sell funding.
D. Estate conservation.
Question 3
Which type of policy contains both a minimum and target premium?
A. graded premium life
B. universal life
C. whole life
D. adjustable life
Question 4
What are the tax implications of an insured's health insurance costs if the insured is self employed with an S corporation, has a net profit for the tax year, and is unmarried?
A. The insured can deduct 70% of all health insurance costs from his gross income.
B. The insured can pay for 100% of health insurance costs with pre-tax income.
C. The insured can pay for 70% of health insurance costs with pre-tax income.
D. The insured can deduct 100% of all health insurance costs from his gross income.
Question 5
(EXCEPT for fraud, what is the time limit after issue for an insurer to deny an individual health insurance claim based on material misrepresentation in the application for the insurance?
A. 5 years
B. 3 years
C. 1 year
D. 180 days
Solutions:
| Question 1 Answer: D | Question 2 Answer: D | Question 3 Answer: B | Question 4 Answer: D | Question 5 Answer: B |
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