Free Pennsylvania Life & Health Insurance Practice Exam 2026

Pennsylvania life and health insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. 1. When replacement is involved, the replacing insurer must send the existing insurer written notice of it within:

   • A.20 working days
   • B.5 working days
   • C.30 working days
   • D.10 working days

   Answer: B. 31 Pa. Code 81.6(a)(2)(ii) requires the replacing insurer to notify each existing insurer within 5 working days of receiving the application or issuing the contract, whichever is sooner. An existing insurer that tries to conserve the business then has 20 days to send the owner a disclosure or ledger statement.

2. 2. An insurer's medical examiner reports an applicant as fit for insurance. Unless the report was obtained by fraud, the insurer may not later argue that the applicant:

   • A.Failed to pay the premium
   • B.Made a fraudulent statement
   • C.Died of an excluded cause
   • D.Was in poor health at the exam

   Answer: D. Section 411A of The Insurance Company Law of 1921 estops an insurer whose examiner certified the applicant as fit from claiming the insured was not in the required health at the time of the exam, unless the certificate was procured by the insured's fraud or misrepresentation. Nonpayment and policy exclusions remain available defenses.

3. 3. A Pennsylvania insurer calls an individual health policy noncancellable. The law requires that policy to be:

   • A.Automatically renewable to age 60
   • B.Renewable at the insurer's option
   • C.Issued without any underwriting
   • D.Renewable one year at a time

   Answer: A. Section 617(A)(8) requires a policy entitled or referred to as noncancellable to be automatically renewable until age 60 upon payment of the required premiums. Renewal at the insurer's option describes an optionally renewable policy.

4. 4. Under the relation of earnings provision, the insurer compares disability benefits with the greater of earnings when disability began or average monthly earnings over the prior:

   • A.Five years
   • B.One year
   • C.Two years
   • D.Three years

   Answer: C. Section 618(B)(6) measures earnings as the greater of monthly earnings when the disability began or average monthly earnings for the two years before it. Benefits above that amount are reduced proportionately, with a refund of the excess premium.

5. 5. Which requirement for benefits is prohibited in a Pennsylvania long-term care policy?

   • A.A benefit elimination period
   • B.A cognitive impairment trigger
   • C.A required prior hospital stay
   • D.Loss of two or more ADLs

   Answer: C. Section 1108 of The Insurance Company Law bars conditioning eligibility on a prior stay in an institution, except for waiver of premium, postconfinement, postacute or recuperative benefits. Elimination periods and ADL or cognitive triggers are permitted.

6. 6. A producer tells a client a new policy is safe because the state guaranty association would pay if the insurer failed. Under Pennsylvania law this is:

   • A.A prohibited sales use
   • B.Allowed for annuities
   • C.A required disclosure
   • D.Allowed if accurate

   Answer: A. Section 1717 of The Insurance Company Law bars any member insurer, agent or affiliate from using the existence of the life and health guaranty association to sell or induce a purchase. Insurers instead deliver an approved summary document describing the association's purposes and limits.