Regulation · Pennsylvania

Disclosures in Solicitation of Life Insurance

31 Pa. Code Chapter 83

Publisher: Pennsylvania Insurance Department
Edition: 31 Pa. Code, current through 56 Pa.B. 3438
Last checked: 2026-08-31
Status: Pennsylvania Code

Edition and licensing notes

Publisher. Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov)

Edition. 31 Pa. Code, current through 56 Pa.B. 3438 (June 6, 2026)

Status. Pennsylvania Code (31 Pa.

Read the official text Practice questions from this source

What this document is

31 Pa. Code Chapter 83 - Disclosures in Solicitation of Life Insurance is a regulation published by Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov). It is one of the Pennsylvania documents that insurance license exam questions are written from, including pennsylvania life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

31 Pa. Code § 83.1(b) (Purpose)
“This subchapter is not intended to prohibit a life insurance agent or insurer from using additional solicitation material which is not in violation of this chapter, applicable Commonwealth statutes or other applicable provisions of this title.”
31 Pa. Code § 83.4 (Time of delivery)
“Except as otherwise provided herein, the written disclosure statement shall be given no later than the time that the application form is signed by the applicant.”
31 Pa. Code § 83.1(a) (Purpose)
“This subchapter protects the purchaser from misrepresentation, unfair comparison and deceptive and misleading sales methods in the solicitation of life insurance by setting standards for disclosure of minimal information pertinent to a life insurance contract.”
31 Pa. Code § 83.2(b) (Applicability: kinds of insurance excluded)
“(b) This subchapter is not applicable to the following kinds of insurance: (1) Annuities. (2) Group life insurance. (3) Credit life insurance. (4) Life insurance of $1,000 or less. (5) Substandard solicitations to the extent the agent or company do not reasonably know the pertinent information at...”
31 Pa. Code § 83.55 (Delivery)
“The Surrender Comparison Index Disclosure shall be given as a separate document upon delivery of the policy or earlier if requested by the life insurance applicant.”
31 Pa. Code § 83.3(a) (Disclosure statement, required written disclosure)
“A life insurance agent, broker or insurer soliciting the type of business to which this subchapter applies shall provide a prospective purchaser with a written disclosure statement clearly labeled as such.”
31 Pa. Code ch. 83 § 83.54 (Additional methods of comparison)
“In addition to the method required by this subchapter, additional methods of cost comparison will be permitted provided that a method chosen takes into account an interest based on 5% that recognizes the times of payment. Prior to the use of an additional method, it shall be filed with the...”
31 Pa. Code ch. 83 § 83.1(b) (Purpose)
“(b) This subchapter is not intended to prohibit a life insurance agent or insurer from using additional solicitation material which is not in violation of this chapter, applicable Commonwealth statutes or other applicable provisions of this title.”
31 Pa. Code ch. 83 § 83.3(a) (Disclosure statement: required written disclosure)
“A disclosure statement shall be a document which shall describe the purpose and importance of the disclosure and describe the significant elements of the policy and riders being offered. (1) A statement that the disclosure is for the insured’s protection, provides basic information about the cost...”
31 Pa. Code ch. 83 § 83.55(a) (Delivery)
“(a) The Surrender Comparison Index Disclosure shall be given as a separate document upon delivery of the policy or earlier if requested by the life insurance applicant. If requested earlier, the index disclosure shall be provided as soon as reasonably possible.”

Practice this material

Pennsylvania Life & Health practice test

Questions about this source

No. This page summarizes the document and links to the official version. Always rely on the text published by Pennsylvania Insurance Department (Pennsylvania Code, pacodeandbulletin.gov) for the current law.

Practice questions for Pennsylvania Life & Health cite this document.

More Pennsylvania sources

See all Pennsylvania sources →