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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Life Insurance Basics | 8% | - Premiums - Insurable interest - Business uses of life insurance - Differences in life insurance policies - Personal uses of life insurance - Individual underwriting by the insurer - Determining amount of personal life insurance - Licensee responsibilities - Factors in premium determination |
| Group Health Insurance | - Group health insurance concepts - Group health insurance provisions - Group health insurance plans | |
| Insurance Regulation | 8% | - State regulation - Federal regulation - Licensing |
| Life Insurance Policies | 11% | - Specialized policies - Flexible premium policies - Whole life insurance - Term life insurance - Group life insurance |
| Annuities | - Annuity taxation - Annuity products - Annuity principles and concepts | |
| Individual Health Insurance Policy General Provisions | - Uniform required provisions - Optional provisions - Other provisions | |
| General Insurance | 6% | - Concepts - Contracts - Agents and general rules of agency - Insurers |
| Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Licensing requirements - Pennsylvania Insurance Department - Penalties and offenses - Agent conduct and trade practices - Unfair trade practices |
| Health Insurance Basics | - Health insurance concepts - Policy provisions and riders - Disability income insurance - Social insurance - Medical expense insurance | |
| Specialized Health Insurance for Qualified Individuals | - Medicare - HIPAA - Medicaid - Long-term care insurance |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Question 1
A group health insurance Certificate of Coverage is
A. only provided to an employer
B. issued to the policyowner as proof of coverage.
C. given to the employee as proof of coverage.
D. issued in lieu of a policy.
Question 2
The ownership provision of a life insurance policy states that during the insured individuals lifetime, the rights and privileges belong to the
A. beneficiaries.
B. owner only.
C. insured individual's family.
D. insured individual only.
Question 3
Within how many days does the free-look provision allow the insured the right to return a long-term care policy for full premium?
A. 5
B. 30
C. 15
D. 10
Question 4
An incomplete application submitted to an insurer is
A. declined after 30 days if no response for completion is received.
B. automatically declined by the Insurer.
C. automatically rated by the underwriter
D. returned to the submitting producer for completion.
Question 5
Under long-term care insurance, which of the following MUST an insurer offer to each policyowner at the time of purchase?
A. Lifetime minimum benefit levels.
B. An Inflation protection option.
C. A decrease in annual benefit levels.
D. Daily minimum benefit levels.
Solutions:
| Question 1 Answer: C | Question 2 Answer: B | Question 3 Answer: B | Question 4 Answer: D | Question 5 Answer: B |
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