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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Insurance Concepts | 10-15% | - Insurance contract law - Risk and insurance principles - Agent authority and responsibilities - Insurable interest |
| Topic 2: Life Insurance | 30-35% | - Settlement options - Policy provisions and riders - Policy loans and cash values - Types of life insurance policies
- Group life insurance |
| Topic 3: Pennsylvania Insurance Laws and Regulations | 15-20% | - State licensing requirements - Consumer protection rules - Unfair trade practices - Policy forms and approval - Continuing education requirements |
| Topic 4: Annuities | 10-15% | - Indexed annuities - Taxation of annuities - Fixed and variable annuities - Annuitization options |
| Topic 5: Ethics and Professional Conduct | 10-15% | - Privacy and confidentiality - Fiduciary duties - Suitability standards - Disclosure requirements |
| Topic 6: Accident and Health Insurance | 30-35% | - Policy provisions and exclusions - Group health insurance - Health insurance basics - Major medical policies - Medical expense plans - Disability income insurance - Accident insurance |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Question #1
The process by which an insurer decides to whom to issue a policy is known as
A. underwriting.
B. assignment.
C. adverse selection.
D. risk classification.
Question #2
Which of the following policies generally does NOT have a cash value?
A. variable life
B. straight life
C. term
D. endowment
Question #3
If a producer misleads or fails to adequately disclose the title and true nature of a policy offered to a potential insured, it may be considered
A. misrepresentation.
B. defamation.
C. false advertising.
D. coercion.
Question #4
Managed care is typically provided under all of the following EXCEPT a
A. health maintenance organization (HMO) plan.
B. preferred provider network health plan.
C. point-of-service (POS) plan.
D. major medical indemnity plan.
Question #5
In order to transact the business of insurance for an insurer, a producer needs to be able to carry out activities not stipulated in the agency contract. This type of | authority is referred to as
A. fiduciary.
B. applied.
C. expressed.
D. implied.
Solutions:
| Question #1 Correct Answer: A | Question #2 Correct Answer: C | Question #3 Correct Answer: A | Question #4 Correct Answer: D | Question #5 Correct Answer: D |
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