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PA • L&H

Pennsylvania Life & Health Insurance Exam — Practice Test & Study Guide

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

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Our mock exam
100 questions
what you sit here, not the state's count
Our mock exam
120 min
our timing, not the state’s
Passing score
70%
set by PA Ins. Dept.

Exam content outline

From the official PA Ins. Dept. L&H content outline. Mock exams sample at these weights.

SectionWeight≈ Questions
National-LH-I Life Policy Types15%15
National-LH-II Life Policy Riders, Provisions, Options, Exclusions15%15
National-LH-III Application, Underwriting, Delivery12%12
National-LH-IV Retirement & Other Insurance Concepts8%8
National-LH-V Health Policy Types16%16
National-LH-VI Health Policy Provisions, Clauses, Riders15%15
National-LH-VII Social Insurance6%6
National-LH-VIII Other Health Insurance Concepts5%5
National-LH-IX Field Underwriting Procedures8%8

Sample questions

Items from our L&H bank, aligned to the PA PA Ins. Dept. outline — see the difficulty and explanation depth.

Q1 • PA-LH-IX PA Marketing PID Enforcementmedium

Under Pennsylvania's insurance fraud statute, what protection is given to an insurer or producer who reports suspected fraud to the PA Insurance Fraud Unit in good faith?

ACivil immunity from defamation and related claims arising from the report
BA monetary reward equal to 10% of recovered funds, paid by the Insurance Fraud Unit upon conviction
CA credit against future PID examination fees, calculated per report filed
DConfidential informant status only if the report is anonymous
Why

PA grants civil immunity for good-faith fraud reports to the Insurance Fraud Unit.

Q2 • PA-LH-IX PA Marketing PID Enforcementmedium

Under 31 Pa. Code Ch. 84a, which document must a Pennsylvania producer be able to produce on demand to the PID to prove completion of annuity suitability training?

AA certificate of completion from an approved CE provider showing the 4-hour course plus the 1-hour PA-specific module
BA self-attestation form signed by the producer alone, without any certificate from an approved CE provider verifying completion of the required annuity training
CA copy of the producer's appointment letter
DA signed client acknowledgment of suitability
Why

A PID-approved provider certificate showing the 4-hour course plus PA-specific module is the required proof.

Q3 • PA-LH-IX PA Marketing PID Enforcementmedium

A Pennsylvania resident purchased a life insurance policy from an unauthorized surplus-lines life insurer that later becomes insolvent. Does PALHIGA cover the death benefit?

AYes, up to the standard $300,000 cap, because surplus-lines insurers are deemed PALHIGA members for purposes of death-benefit coverage
BNo — PALHIGA only covers policies issued by member insurers licensed in Pennsylvania
CYes, but only at 50% of the standard cap, reflecting the reduced assessment surplus-lines insurers pay into the guaranty fund
DYes, if the policyholder paid premium taxes directly to the Pennsylvania Insurance Department on the unauthorized coverage
Why

PALHIGA only protects policies from licensed PA member insurers, not surplus lines or unauthorized carriers.

Q4 • PA-LH-IX PA Marketing PID Enforcementhard

A PA producer let her resident license lapse for 14 months before reinstating it. She completed the 8-hour initial LTC course five years ago. Under 31 Pa. Code Ch. 89a, which requirement applies before she may again solicit LTC partnership policies?

AShe must retake the 8-hour initial LTC training course
BShe needs only the next 4-hour ongoing course at her next renewal
CNo additional training is required because she completed initial training previously
DShe must complete 12 hours of remedial CE in any subject
Why

License lapse beyond the grace period requires repeating the 8-hour initial LTC course.

Q5 • PA-LH-IX PA Marketing PID Enforcementhard

After the PA Insurance Commissioner enters a final adjudication revoking a producer's license, what is the producer's procedural deadline to file a petition for review in Commonwealth Court?

A10 days from the date of the final order
B30 days from the date of the final order
C60 days from the date of the final order
D90 days from receipt of the order by counsel
Why

Producers have 30 days from the final order to petition Commonwealth Court for review.

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Pennsylvania state law module

State-specific laws and regulations make up 10–20% of the PA L&H exam. Our markdown-based state-law module walks through what PA Ins. Dept. actually tests.

Read PA L&H state law

Pennsylvania L&H Exam FAQ

How long is the PA L&H exam?

We have not verified Pennsylvania's official time limit and question count against Pennsylvania Insurance Department yet, so check their candidate handbook before you book. Our mock exam runs 100 questions in 120 minutes, which is what you will sit here.

What's the passing score for PA L&H?

70% is the passing score in Pennsylvania, calculated against the scored question count. PA Ins. Dept. reports results immediately at the test center.

How long should I study for the PA L&H exam?

Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the Pennsylvania L&H exam?

PA Ins. Dept. contracts with major proctored-exam vendors. Check the Pennsylvania Insurance Department website for an up-to-date list of test centers in Pennsylvania.

Are these practice questions matched to the PA outline?

Yes — we follow the PA Ins. Dept. content outline section by section, and our PA L&H bank includes 238 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.

How much does EstatePass cost? Do I need a separate plan for L&H?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.