Free Pennsylvania Insurance PA-Life-Accident-and-Health Practice Exam Questions and Answers 2026

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Total 161 Questions | Updated On: Apr 01, 2026

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Question 1

Which of the following policies generally does NOT have a cash value?

A : endowment

B : variable life

C : straight life

D : term

Answer: D

Question 2

An annuitant dies during the accumulation period. What happens to the cash in the annuity?

A : it is paid to the beneficiary

B : it is paid to the IRS

C : it is paid into the estate

D : the company keeps it

Answer: A

Question 3

An Insurance producer may NOT withdraw funds from a premium trust account to

A : pay premium to insurers.

B : pay claims to an insured.

C : return deposits to insureds.

D : return premiums to an insured.

Answer: B

Question 4

The premium mode defines the

A : frequency of the premium payment.

B : premium amount

C : premium limit. I

D : method of premium payment (cash or credit).

Answer: A

Question 5

When selling an insurance policy in Pennsylvania, the producer must do all of the following EXCEPT

A : submit premiums within the normal course of business.

B : emphasize the benefits of the Guaranty Association.

C : protect any non-public or personal information about the applicant

D : provide a notice of information practices to applicants.

Answer: B

Page: 1 / 33

Total 161 Questions | Updated On: Apr 01, 2026

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