Pennsylvania Life & Health Insurance License Practice Exam
150 practice questions covering national life & health concepts and Pennsylvania-specific insurance regulations.
Pennsylvania L&H — Study by Topic
Drill individual domains or take the full 150-question practice exam.
Life Insurance
Term, whole life, universal, variable life, group life, policy provisions, nonforfeiture options, and beneficiaries.
Health Insurance
Individual and group health, HMO, PPO, COBRA, disability income, long-term care, and managed care plans.
Annuities & Retirement
Fixed, variable, indexed annuities; suitability; qualified plans; Social Security; Medicare Parts A–D.
Pennsylvania State Law
PA Insurance Department, producer licensing (40 P.S. § 310), replacement regulations, long-term care and Medicare supplement rules, unfair insurance practices.
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Full PA L&H Exam
National and Pennsylvania-specific questions mixed to match the real PSI Series 16-03 exam structure.
About the Pennsylvania Life & Health Insurance Exam
The Pennsylvania Life, Accident and Health producer exam (Series 16-03) is administered by PSI for the Pennsylvania Insurance Department (PID). Pennsylvania also offers a Life exam (16-01) and an Accident and Health exam (16-02) separately; the combined exam covers both lines and must be passed overall to be licensed in either. Under Act 142 of 2024, which took effect 180 days after its approval on October 31, 2024, pre-exam education is no longer required: a candidate applies for the exam by naming the lines of authority wanted and paying the exam fee. Exams are given at PSI test centers or by remote proctoring.
The combined exam has 150 items and allows 170 minutes, and a minimum score of 70% is needed to pass. PSI may add about 5 to 10 unscored pretest questions, and the time for them is included in the exam time. The exam fee is $55 for the combined exam and $45 for Life or Accident and Health alone. After you pass, you apply through Sircon or NIPR, pay the $55 resident producer fee for a two-year license, and are fingerprinted at IdentoGO.
Pennsylvania Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| PA — 1.0 Insurance Regulation | 21% | Producer licensing and renewal (40 P.S. § 310), continuing education, disciplinary actions, appointments, unfair insurance practices (40 P.S. § 1171.5), replacement (40 P.S. § 625), privacy, insurance fraud, federal regulation |
| 2.0 General Insurance Concepts | 7% | Risk and risk handling, classifications of insurers, elements of a contract, authority of producers, law of agency, indemnity, good faith, misrepresentation |
| 3.0 Life, Accident and Health Insurance Basics | 14% | Insurable interest, uses of life insurance, life settlements, policy classes, premium factors, underwriting, disclosure and illustrations, replacement, Life and Health Insurance Guaranty Association |
| 4.0 Types of Life Insurance Policies | 8% | Term, whole life, universal, index and adjustable life, joint and survivorship, juvenile, group life |
| 5.0 Life Policy Provisions, Options and Riders | 13% | Standard provisions, free look, beneficiaries, settlement options, nonforfeiture, loans, dividends, riders, accelerated benefits |
| 6.0 Annuities | 9% | Accumulation and annuity periods, payout options, fixed, indexed and variable annuities, right to examine, suitability (Act 48 of 2018) |
| 7.0 Individual Accident and Health Policy Provisions | 7% | Required and optional provisions (40 P.S. § 753), free look, insuring clause, exclusions, elimination period |
| 8.0 Disability Income and Related Insurance | 4% | Disability definitions and benefits, partial and residual benefits, business disability, Social Security disability |
| 9.0 Medical Plans | 4% | HMO, PPO and POS plans, cost containment, deductibles, HIPAA, Pennsylvania mandated benefits |
| 10.0 Group Health Insurance | 3% | Group characteristics and underwriting, pre-existing conditions, conversion, COBRA, coordination of benefits |
| 11.0 Dental Insurance | 1% | Treatment and benefit categories, plan types, limitations |
| 12.0 Health Insurance for Seniors and Special Needs | 7% | Medicare Parts A–D, Medicare Supplement rules, Medicaid, long-term care regulations and required provisions |
| 13.0 Federal Tax Considerations | 2% | Qualified plans, IRAs, 401(k) and 403(b), taxation of life insurance, health premiums and benefits, HSAs, HRAs, FSAs |
Weights are the percentages in the PSI content outline for the Pennsylvania Producer's Examination for Life, Accident and Health Insurance (Series 16-03, 150 items, 170 minutes). The outline does not give question counts per section, and PSI publishes outlines for two effective periods (through 2/29/2026 and from 3/1/2026), so check the current outline before you test.
What Makes the Pennsylvania Life & Health Exam Different
Separate or combined exams. Pennsylvania offers Life (16-01), Accident and Health (16-02) and the combined Life, Accident and Health exam (16-03). The single-line exams cost $45 each and the combined exam costs $55. On a combined exam you must pass the overall exam to be licensed in either line (PSI candidate bulletin).
No pre-exam education. Act 142 of 2024 removed the 24-hour pre-exam course requirement and the Department's role in approving those courses, effective 180 days after approval on October 31, 2024. Older guides that describe a 24-credit course before the exam are out of date.
Fingerprinting comes after the exam. New resident producers are fingerprinted at IdentoGO, but only after passing the exam and submitting the license application. Results sent without a matching application are rejected, and you pay again. Residents who only add a line to an existing license are exempt (Pennsylvania Insurance Department).
Continuing education with ethics. Licensees complete 24 credit hours of approved continuing education per two-year license period, including at least 3 hours of ethics. Failing the requirement results in termination of the license (Act 142 of 2024 and the Department's continuing education page).
Heavy state-law weight. Insurance Regulation is the largest section at 21%, and the outline cites Pennsylvania statutes by section: producer licensing under 40 P.S. § 310.1 et seq., unfair insurance practices under 40 P.S. §§ 1171.1–1171.5, and replacement under 40 P.S. § 625 and 31 Pa. Code Ch. 81.
Retakes and scheduling. There is no limit on the number of attempts, but you cannot retest on the same day. Cancel or reschedule at least 2 days ahead to keep your fee, and arrive 30 minutes early with one valid, unexpired photo ID that bears your signature (PSI candidate bulletin).
Sample Pennsylvania Life & Health Insurance Exam Questions
1. How many hours of approved continuing education must a Pennsylvania producer complete in each two-year license period, and how many of them must cover ethics?
2. When should a Pennsylvania resident applicant register for fingerprinting at IdentoGO?
3. According to the PSI content outline for the Life, Accident and Health exam, which Pennsylvania law governs the suitability of annuity recommendations?
Study Tips for the Pennsylvania Life & Health Exam
Start with Insurance Regulation. At 21% it is the largest section, and the PSI outline ties it to Pennsylvania statute sections: producer licensing (40 P.S. § 310), unfair practices (§ 1171.5) and replacement (§ 625). Memorize which acts are prohibited and what a producer must report.
Life and annuities are 30%, health is 26%. Types of life insurance (8%), policy provisions and riders (13%) and annuities (9%) together outweigh the accident and health sections 7 through 12 (26%). Basics (14%) and general concepts (7%) round out the national material.
The exam is scored as a whole at 70%. You pass or fail the combined exam overall. A failed attempt has no cap on retakes, but there is no same-day retest, so plan study time between attempts.
Also licensing in property or casualty? See our Pennsylvania Property & Casualty practice exam. National content is in our life and health practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Pennsylvania Life & Health Insurance License
There are four steps to get your Pennsylvania insurance producer license for the Life and Accident & Health lines.
Steps to Get Your Pennsylvania Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Apply to Take the Exam | Pennsylvania no longer requires a pre-exam course. Choose your lines of authority, pay PSI the exam fee ($55 for the combined 16-03 exam, $45 for Life or Accident and Health alone), and schedule at a test center or by remote proctoring online or at 888-818-5822. |
| 2. Sit for the Exam | Bring one valid, unexpired photo ID that bears your signature and matches your registration name, and arrive 30 minutes early. The combined exam has 150 items and allows 170 minutes. |
| 3. Apply and Get Fingerprinted | After you pass, apply through Sircon or NIPR within one year. The resident producer fee is $55. Register for IdentoGO fingerprinting only after you have passed and applied. |
| 4. Maintain Your License | The license lasts two years. Complete 24 credit hours of continuing education each license period, including at least 3 hours on ethics, to avoid termination. |
Pennsylvania Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exams | Life (16-01), Accident and Health (16-02), Life, Accident and Health (16-03) |
| Combined exam | 150 items in 170 minutes; about 5–10 unscored pretest questions may be added, within the exam time |
| Passing score | A minimum score of 70%; the combined exam must be passed overall |
| Pre-exam education | None required since Act 142 of 2024 (effective 180 days after October 31, 2024) |
| Exam fee | $55 for the combined exam; $45 for Life or Accident and Health alone; nonrefundable |
| Exam vendor | PSI (test centers or remote proctoring) |
| Fingerprinting | IdentoGO, after passing and applying; exempt if only adding a line to an existing license |
| License fee and term | $55 for a resident individual producer; two-year term |
| Continuing education | 24 credit hours per two-year period, at least 3 on ethics |
| Retakes | No attempt limit; no same-day retest |
| Valid ID | One unexpired government ID with photo and signature, matching your registration name |
| Application | Through Sircon or NIPR immediately after passing; apply within one year of passing |
| Licensing authority | Pennsylvania Insurance Department |
Verified against the PSI Pennsylvania candidate bulletin and Series 16-03 content outline, the Pennsylvania Insurance Department's producer licensing pages, and Act 142 of 2024 (SB 1241). Fees and times change; confirm current figures with PSI and the Department before you apply.
Our free Pennsylvania Life & Health practice exam covers general and Pennsylvania content. You can also try the national life and health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Pennsylvania Life & Health Insurance Exam
How many questions are on the Pennsylvania Life, Accident and Health exam?
The combined Series 16-03 exam has 150 items and allows 170 minutes. PSI may add about 5 to 10 unscored pretest questions, and the time for them is part of the exam time.
Does Pennsylvania have separate Life and Accident & Health exams?
Pennsylvania offers Life (16-01), Accident and Health (16-02) and a combined Life, Accident and Health exam (16-03). The combined exam must be passed overall to be licensed in either line.
What is the passing score for the Pennsylvania insurance exam?
PSI's candidate bulletin sets a minimum score of 70% for the Pennsylvania producer exams.
Does Pennsylvania require pre-licensing education?
No. Act 142 of 2024 removed the 24-hour pre-exam education requirement, effective 180 days after approval on October 31, 2024. Candidates apply to take the exam, naming their lines of authority and paying the exam fee.
How much does the Pennsylvania insurance exam cost?
The combined Life, Accident and Health exam costs $55 and the single-line Life or Accident and Health exams cost $45 each. Exam fees are not refundable or transferable. The initial resident producer license fee is a further $55.
Do I need fingerprints for a Pennsylvania producer license?
Yes, new resident applicants are fingerprinted at IdentoGO, but only after passing the exam and applying. Residents who are only adding a line to an existing license are exempt.
How long does a Pennsylvania producer license last, and what is the CE requirement?
The license term is two years. Licensees complete 24 credit hours of approved continuing education per two-year period, including at least 3 hours on ethics.
Can I retake the Pennsylvania exam if I fail?
Yes. PSI sets no limit on attempts, but you cannot retest on the same day as an exam.
Practice Exam Questions — Pennsylvania Life & Health
4 state-specific questions based on official sources. Correct answer highlighted in green.
Which company administers the Pennsylvania insurance producer exams for the Pennsylvania Insurance Department?
- PSI
- Prometric
- Pearson VUE
- The Insurance Department itself
What minimum score does PSI's candidate bulletin require to pass the Pennsylvania producer exams?
- 70%
- 65%
- 75%
- 80%
Under Act 142 of 2024, what has changed about education before the Pennsylvania producer exam?
- Pre-exam education is no longer required
- Candidates must complete 50 hours
- Candidates must complete 24 hours including 3 of ethics
- Pre-exam education is required only for Life
How long is the term of an initial Pennsylvania individual producer license?
- Two years
- One year
- Three years
- Four years