Insurance Licensing Pennsylvania Insurance Licencing (PAIN) PA-Life-Accident-and-Health

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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. What does the annuity certain payment option guarantee?

A) Benefits will be paid to the beneficiary for the remainder of their life
B) A higher rate of return
C) The highest monthly income
D) Payments will continue until all of the funds are exhausted

2. An illness or disease which is first diagnosed and treated while the policy is in force is considered

A) an accidental injury.
B) a sickness.
C) a preexisting condition.
D) an exclusion.

3. A temporary insurance producer license may be initially issued for a maximum of:

A) 180 days
B) 30 days
C) 365 days
D) 90 days

4. When is it appropriate for an individual to purchase term life insurance?

A) An individual is seeking temporary protection and lower premiums.
B) An individual is seeking to build cash value in a policy.
C) An Individual needs an income for retirement
D) An individual is using the premiums to offer living benefits for themselves.

5. Which term describes an insurer operating in the state in which it is incorporated?

A) domestic
B) foreign
C) participating
D) resident

Solutions: