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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Group Health Insurance | - Group health insurance plans - Group health insurance provisions - Group health insurance concepts | |
| Topic 2: Life Insurance Basics | 8% | - Factors in premium determination - Individual underwriting by the insurer - Personal uses of life insurance - Business uses of life insurance - Licensee responsibilities - Determining amount of personal life insurance - Insurable interest - Premiums - Differences in life insurance policies |
| Topic 3: Annuities | - Annuity taxation - Annuity principles and concepts - Annuity products | |
| Topic 4: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Agent conduct and trade practices - Unfair trade practices - Penalties and offenses - Pennsylvania Insurance Department - Licensing requirements |
| Topic 5: Specialized Health Insurance for Qualified Individuals | - Long-term care insurance - HIPAA - Medicaid - Medicare | |
| Topic 6: Life Insurance Policies | 11% | - Group life insurance - Term life insurance - Whole life insurance - Specialized policies - Flexible premium policies |
| Topic 7: Individual Health Insurance Policy General Provisions | - Uniform required provisions - Optional provisions - Other provisions | |
| Topic 8: Insurance Regulation | 8% | - Federal regulation - Licensing - State regulation |
| Topic 9: General Insurance | 6% | - Agents and general rules of agency - Insurers - Concepts - Contracts |
| Topic 10: Health Insurance Basics | - Policy provisions and riders - Social insurance - Medical expense insurance - Disability income insurance - Health insurance concepts |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. Which of the following represents a reduced paid-up nonforfeiture option?
A) Further premiums must be paid on the reduced policy.
B) The new face amount is the same as the original policy.
C) A full share of expense loading must be included in the premium on the reduced coverage.
D) The policy will have a decreased face amount
2. All of the following statements about aleatory contracts are true EXCEPT
A) there are cases where the insurer pays nothing.
B) if a loss occurs, the insured's premium is small in relation to the amount the insurer pays.
C) they may be interpreted as a form of gambling.
D) the insured and insurer contribute equally to they contract.
3. Penalties that may be levied by the insurance department for committing fraud include all of the following EXCEPT
A) license revocation.
B) incarceration.
C) order to cease and desist
D) fines.
4. Which of the following beneficiary designations prohibits the policyowner from making any changes to the policy without the beneficiary's written consent?
A) contingent beneficiary
B) irrevocable beneficiary
C) revocable beneficiary
D) primary beneficiary
5. Which service can NOT be provided in the patient's home through a home health care policy?
A) meal preparation
B) banking assistance
C) housekeeping assistance
D) nursing care
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: D | Question # 3 Answer: B | Question # 4 Answer: B | Question # 5 Answer: B |
