Free Pennsylvania Insurance PA-Life-Accident-and-Health Exam Questions

Become Pennsylvania Insurance Certified with updated PA-Life-Accident-and-Health exam questions and correct answers

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Total 161 Questions | Updated On: Jun 16, 2026

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Question 1

An Insurer, in general business practice, fails to promptly provide a reasonable explanation for the denial of aclaim. This is considered to be

A : a contractual liability.

B : an unfair claim settlement practice.

C : a violation of the grace period provision.

D : a fraudulent insurance act.

Answer: B

Question 2

Which is considered an expense factor in a life insurance premium?

A : policy loan interest

B : Interest from investments

C : commission

D : aggregate claim amounts

Answer: C

Question 3

A Key Person Disability Income Policy pays benefits to the

A : spouse.

B : employee.

C : dependent.

D : employer.

Answer: D

Question 4

When selling an insurance policy in Pennsylvania, the producer must do all of the following EXCEPT

A : submit premiums within the normal course of business.

B : emphasize the benefits of the Guaranty Association.

C : protect any non-public or personal information about the applicant

D : provide a notice of information practices to applicants.

Answer: B

Question 5

An annuitant dies during the accumulation period. What happens to the cash in the annuity?

A : it is paid to the beneficiary

B : it is paid to the IRS

C : it is paid into the estate

D : the company keeps it

Answer: A

Page: 1 / 33

Total 161 Questions | Updated On: Jun 16, 2026

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