Pennsylvania Life & Health Insurance Practice Test 2026
Practice the exam Pennsylvania uses, from general life & health knowledge to Pennsylvania's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Pennsylvania's own insurance law.
150 scored questions. The time limit and passing score are set by Pennsylvania; check the candidate handbook.
Last verified September 2026 · Producer's Examination Content Outline
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About the Pennsylvania Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Pennsylvania Life & Health test
Pennsylvania's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation21%
- General Insurance Concepts7%
- Life, Accident, and Health Insurance Basics14%
- Types of Life Insurance Policies8%
- Life Insurance Policy Provisions, Options, and Riders13%
- Annuities9%
- Individual Accident and Health Insurance Policy Provisions7%
- Disability Income and Related Insurance4%
- Medical Plans4%
- Group Health Insurance3%
- Dental Insurance1%
- Health Insurance for Senior Citizens and Special Needs Individuals7%
- Federal Tax Considerations for Life and Health Insurance2%
Source: PSI Pennsylvania Producer's Examination content outline, Life Accident & Health (16-03), effective 3/1/2026 (Pennsylvania Producer's Examination Content Outline - Life, Accident and Health (16-03)). Confirm current weights with the testing company before you book.
What to bring to the Pennsylvania exam
Pennsylvania official sources
- Unfair Insurance Practices (Unfair Claims Settlement Practices)31 Pa. Code Chapter 146 · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
- Replacement of Life Insurance and Annuities31 Pa. Code Chapter 81 · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
- Education and Training for Applicants and Insurance Producers31 Pa. Code Chapter 39a · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
- Disclosures in Solicitation of Life Insurance31 Pa. Code Chapter 83 · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
- Requirements for Certain Life Insurance Policies and Sales Practices31 Pa. Code Chapter 87 · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
- Individual Accident and Sickness Insurance Minimum Standards31 Pa. Code Chapter 88 · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
- Long-Term Care Insurance Model Regulation31 Pa. Code Chapter 89a · Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)
- Requirements for Accident and Health InsuranceIndividual Policies, 31 Pa. Code Chapter 89, Subchapter C (§§ 89.71 - 89.85) · Pennsylvania Code, Insurance Department (pacodeandbulletin.gov)
All Pennsylvania insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Pennsylvania provisions the questions on this page cite most often.
- 31 Pa. Code § 39a.7 · Credit Hours: Instructor Credit4 questions
- 31 Pa. Code § 1703 · Coverage and Limitations: exclusions from coverage3 questions
- 31 Pa. Code § 146.5 · Failure to Acknowledge Pertinent Communications2 questions
- 31 Pa. Code § 146.7 · Standards for Prompt, Fair and Equitable Settlements Applicable to Insurers2 questions
- 31 Pa. Code § 1706 · Powers and Duties of Association: nonpayment of premiums2 questions
- 31 Pa. Code § 39a.5 · Sponsors: Course Completion Certificate2 questions
- 31 Pa. Code § 81.6 · Notice to the Existing Insurer2 questions
- 31 Pa. Code § 83.1 · Purpose2 questions
Exam figures on this page were checked against official pages: License fee · Exam fee · Pre-licensing. Confirm anything you rely on with the testing company and the Pennsylvania Department of Insurance.