Last Updated: Aug 29, 2026
No. of Questions: 162 Questions & Answers with Testing Engine
Download Limit: Unlimited
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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Group Health Insurance | - Group health insurance concepts - Group health insurance provisions - Group health insurance plans | |
| Topic 2: Insurance Regulation | 8% | - State regulation - Federal regulation - Licensing |
| Topic 3: Health Insurance Basics | - Social insurance - Medical expense insurance - Policy provisions and riders - Disability income insurance - Health insurance concepts | |
| Topic 4: Life Insurance Basics | 8% | - Licensee responsibilities - Business uses of life insurance - Insurable interest - Differences in life insurance policies - Personal uses of life insurance - Premiums - Factors in premium determination - Individual underwriting by the insurer - Determining amount of personal life insurance |
| Topic 5: Annuities | - Annuity taxation - Annuity products - Annuity principles and concepts | |
| Topic 6: Specialized Health Insurance for Qualified Individuals | - Medicaid - Medicare - Long-term care insurance - HIPAA | |
| Topic 7: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Penalties and offenses - Licensing requirements - Agent conduct and trade practices - Pennsylvania Insurance Department - Unfair trade practices |
| Topic 8: Life Insurance Policies | 11% | - Flexible premium policies - Term life insurance - Whole life insurance - Specialized policies - Group life insurance |
| Topic 9: General Insurance | 6% | - Contracts - Insurers - Concepts - Agents and general rules of agency |
| Topic 10: Individual Health Insurance Policy General Provisions | - Other provisions - Optional provisions - Uniform required provisions |
Question 1
Which of the following is a common exclusion from coverages found in accident and health policies?
A. Emergency room coverages.
B. Self-inflicted injuries.
C. Coordination of benefits.
D. Flu and pneumonia shots.
Question 2
In Pennsylvania, a provision that protects a policyowner from a misrepresentation caused by an innocent mistake on the application after 2 years is
A. a nonforfeiture provision.
B. an Incontestability provision.
C. a negligence provision.
D. an elimination provision.
Question 3
The proposed insured's statements on a life insurance application are considered to be
A. warranties.
B. misrepresentations.
C. representations.
D. absolute statements.
Question 4
The responsibility for regulating the insurance continuing education requirements and approving insurance continuing education courses of instruction belongs to the
A. Guaranty Association Board of Directors.
B. Pennsylvania Insurance Commissioner.
C. Pennsylvania Department of Education.
D. National Association of Insurance Commissioners.
Question 5
When the Commissioner believes a producer has violated an insurance law, the Commissioner has the authority to:
A. Increase the producer's continuing education requirement
B. Terminate the producer's appointment
C. Issue a cease and desist order against the producer after a hearing
D. Cancel the producer's fiduciary responsibility
Solutions:
| Question 1 Answer: B | Question 2 Answer: B | Question 3 Answer: C | Question 4 Answer: B | Question 5 Answer: C |
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