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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Annuities | - Annuity products - Annuity taxation - Annuity principles and concepts | |
| Insurance Regulation | 8% | - Federal regulation - State regulation - Licensing |
| Group Health Insurance | - Group health insurance provisions - Group health insurance concepts - Group health insurance plans | |
| Specialized Health Insurance for Qualified Individuals | - Medicaid - HIPAA - Long-term care insurance - Medicare | |
| General Insurance | 6% | - Contracts - Concepts - Insurers - Agents and general rules of agency |
| Individual Health Insurance Policy General Provisions | - Other provisions - Optional provisions - Uniform required provisions | |
| Life Insurance Basics | 8% | - Premiums - Individual underwriting by the insurer - Determining amount of personal life insurance - Differences in life insurance policies - Insurable interest - Licensee responsibilities - Business uses of life insurance - Factors in premium determination - Personal uses of life insurance |
| Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Penalties and offenses - Licensing requirements - Agent conduct and trade practices - Unfair trade practices - Pennsylvania Insurance Department |
| Health Insurance Basics | - Health insurance concepts - Disability income insurance - Policy provisions and riders - Social insurance - Medical expense insurance | |
| Life Insurance Policies | 11% | - Group life insurance - Flexible premium policies - Specialized policies - Term life insurance - Whole life insurance |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. A producer that spends insurance premiums received from the consumer for his own personal use. has committed all of the following, EXCEPT
A) premium theft.
B) fraud.
C) misappropriation.
D) redlining.
2. Under long-term care insurance, which of the following MUST an insurer offer to each policyowner at the time of purchase?
A) An Inflation protection option.
B) Lifetime minimum benefit levels.
C) A decrease in annual benefit levels.
D) Daily minimum benefit levels.
3. 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) 15 days.
D) 30 days.
4. Which of the following circumstances may be grounds for suspending an insurance license?
A) conviction of a summary offense
B) conviction of a felony
C) failure to maintain records for 5 years
D) failure to follow insurer's underwriting rules
5. An illness or disease which is first diagnosed and treated while the policy is in force is considered
A) a sickness.
B) an exclusion.
C) an accidental injury.
D) a preexisting condition.
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: A | Question # 3 Answer: B | Question # 4 Answer: B | Question # 5 Answer: A |
