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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Specialized Health Insurance for Qualified Individuals | - Long-term care insurance - HIPAA - Medicaid - Medicare | |
| Topic 2: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Pennsylvania Insurance Department - Licensing requirements - Penalties and offenses - Unfair trade practices - Agent conduct and trade practices |
| Topic 3: Health Insurance Basics | - Medical expense insurance - Policy provisions and riders - Disability income insurance - Social insurance - Health insurance concepts | |
| Topic 4: Annuities | - Annuity taxation - Annuity products - Annuity principles and concepts | |
| Topic 5: Group Health Insurance | - Group health insurance concepts - Group health insurance plans - Group health insurance provisions | |
| Topic 6: Insurance Regulation | 8% | - Federal regulation - Licensing - State regulation |
| Topic 7: Life Insurance Basics | 8% | - Determining amount of personal life insurance - Factors in premium determination - Premiums - Differences in life insurance policies - Individual underwriting by the insurer - Insurable interest - Business uses of life insurance - Personal uses of life insurance - Licensee responsibilities |
| Topic 8: Individual Health Insurance Policy General Provisions | - Other provisions - Optional provisions - Uniform required provisions | |
| Topic 9: Life Insurance Policies | 11% | - Group life insurance - Flexible premium policies - Specialized policies - Whole life insurance - Term life insurance |
| Topic 10: General Insurance | 6% | - Contracts - Insurers - Agents and general rules of agency - Concepts |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Question #1
Penalties that may be levied by the insurance department for committing fraud include all of the following EXCEPT
A. order to cease and desist
B. license revocation.
C. incarceration.
D. fines.
Question #2
An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a
A. standard risk.
B. preferred risk.
C. substandard risk.
D. rating risk.
Question #3
An Insurance licensee must do all of the following in order to renew an insurance license EXCEPT
A. complete the continuing education requirements, if applicable.
B. submit to the department a completed renewal form.
C. pay the required renewal fee.
D. hold active insurer appointment(s).
Question #4
A PRIMARY feature of universal life insurance is that it is
A. fixed.
B. flexible.
C. variable.
D. bundled.
Question #5
In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?
A. Professional, social, and economic care.
B. Functional, rehabilitational. and medical care.
C. Skilled nursing, Intermediate, and custodial care.
D. Home-based, assisted living, and medical care.
Solutions:
| Question #1 Correct Answer: C | Question #2 Correct Answer: C | Question #3 Correct Answer: C | Question #4 Correct Answer: B | Question #5 Correct Answer: C |
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