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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Annuities | 10-15% | - Indexed annuities - Fixed and variable annuities - Annuitization options - Taxation of annuities |
| Topic 2: Ethics and Professional Conduct | 10-15% | - Disclosure requirements - Fiduciary duties - Privacy and confidentiality - Suitability standards |
| Topic 3: General Insurance Concepts | 10-15% | - Insurable interest - Risk and insurance principles - Agent authority and responsibilities - Insurance contract law |
| Topic 4: Pennsylvania Insurance Laws and Regulations | 15-20% | - Policy forms and approval - Unfair trade practices - Continuing education requirements - Consumer protection rules - State licensing requirements |
| Topic 5: Life Insurance | 30-35% | - Policy loans and cash values - Policy provisions and riders - Settlement options - Group life insurance - Types of life insurance policies
|
| Topic 6: Accident and Health Insurance | 30-35% | - Group health insurance - Policy provisions and exclusions - Health insurance basics - Major medical policies - Medical expense plans - Accident insurance - Disability income insurance |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. An insured has a 20-pay life policy with a paid-up dividend option. In this option, the insured may
A) pay up the policy early by using accumulated cash values.
B) use policy dividends to reduce the premium after 20 years.
C) pay up the policy early by using policy dividends.
D) waive premium payments until the policy has accumulated enough cash values to pay it up for 20 years.
2. Which annuity feature makes it a suitable source of retirement income for an individual?
A) Annuities pay out principal and interest
B) Deferred annuities provide a lump-sum distribution at retirement.
C) Annuities provide income the annuitant cannot outlive.
D) Annuities grow tax deferred.
3. The total premium paid by a life policy owner for one policy year is
A) based on the assumption that the insured will pay policy premiums at the end of the policy year in one payment; if paid earlier in the policy year, a discount will be allowed.
B) greater if the premium is paid semiannually rather than annually.
C) the same regardless of the frequency of payment.
D) less when paid quarterly than if paid semiannually.
4. A condition in a cash value life insurance policy that allows a policyowner to terminate the policy in return for a reduced paid-up policy of the same type is referred to as
A) an incontestable clause.
B) a grace period.
C) a nonforfeiture provision.
D) a reinstatement clause.
5. To receive proceeds from a death benefit a minor
A) must have an appointed guardian.
B) can only be named as a contingent beneficiary.
C) must be related to the insured.
D) must be at least 16 years old.
Solutions:
| Question # 1 Answer: C | Question # 2 Answer: C | Question # 3 Answer: B | Question # 4 Answer: C | Question # 5 Answer: A |
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