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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Individual Health Insurance Policy General Provisions | - Other provisions - Optional provisions - Uniform required provisions | |
| Specialized Health Insurance for Qualified Individuals | - Medicare - HIPAA - Medicaid - Long-term care insurance | |
| Health Insurance Basics | - Disability income insurance - Health insurance concepts - Policy provisions and riders - Social insurance - Medical expense insurance | |
| General Insurance | 6% | - Agents and general rules of agency - Insurers - Contracts - Concepts |
| Insurance Regulation | 8% | - Licensing - Federal regulation - State regulation |
| Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Penalties and offenses - Pennsylvania Insurance Department - Agent conduct and trade practices - Unfair trade practices - Licensing requirements |
| Life Insurance Policies | 11% | - Term life insurance - Whole life insurance - Group life insurance - Flexible premium policies - Specialized policies |
| Annuities | - Annuity taxation - Annuity products - Annuity principles and concepts | |
| Group Health Insurance | - Group health insurance concepts - Group health insurance provisions - Group health insurance plans | |
| Life Insurance Basics | 8% | - Premiums - Licensee responsibilities - Personal uses of life insurance - Factors in premium determination - Business uses of life insurance - Individual underwriting by the insurer - Insurable interest - Differences in life insurance policies - Determining amount of personal life insurance |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
1. Which is an accurate statement regarding the taxation of personal life insurance?
A) The interest on a policy loan is tax deductible to the insured.
B) The payment of accelerated death benefits are reported as taxable Income.
C) Dividends and interest earned are taxable as ordinary income.
D) Lump sum death benefits are income tax free.
2. What is the primary reason a business should purchase key person insurance?
A) Reward an executive
B) Insure all employees
C) Reduce taxable income
D) Offset financial losses
3. A producer's fiduciary responsibility includes which of the following activities?
A) Guaranteeing payment to insureds for losses covered by policies that the producer sold.
B) Providing needed insurance to prospective insureds through any sources that are available.
C) Recording the receipt and remitting of premiums due to an Insurer.
D) Property remunerating persons who furnish leads on prospects.
4. Falsifying the terms, benefits, advantages, or conditions of an insurance policy is an example of which of the following?
A) Concealment
B) Misrepresentation
C) Coercion
D) Forgery
5. The ownership provision of a life insurance policy states that during the insured individuals lifetime, the rights and privileges belong to the
A) owner only.
B) insured individual's family.
C) insured individual only.
D) beneficiaries.
Solutions:
| Question # 1 Answer: D | Question # 2 Answer: D | Question # 3 Answer: C | Question # 4 Answer: B | Question # 5 Answer: A |
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