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, Act 68, Act 40 LTC, replacement regulations, unfair practices.
🌟
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
To get your Pennsylvania Life & Health insurance license, you must pass the state licensing exam administered by Prometric with a passing score of 70%. Exam fee: $65. Pennsylvania is regulated by the Pennsylvania Insurance Department (PID) under Pennsylvania Insurance Company Law (40 Pa.C.S.). Visit insurance.pa.gov for official licensing information. Prometric administers (not PSI or Pearson VUE); IdentoGO fingerprinting; Commissioner appointed; separate exams for Life and Accident & Health; Pennsylvania L&H Guaranty Association; 40 Pa.C.S.; large Philadelphia and Pittsburgh markets.
Pre-licensing education in Pennsylvania: 24 hours for Life or Accident & Health. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Pennsylvania renewal application. How to get licensed in Pennsylvania: complete pre-licensing → submit background check/fingerprinting → pass Prometric exam → apply for Pennsylvania producer license.
How to get a Pennsylvania Life & Health insurance license in 2026: The Pennsylvania Insurance Department (PID) (insurance.pa.gov) administers all producer licensing in Pennsylvania. Exam: Prometric, $65, 70%. Pre-licensing: 24 hours for Life or Accident & Health. Once licensed, maintain your Pennsylvania Life & Health license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Pennsylvania Insurance Department (PID).
PID (insurance.pa.gov). 40 Pa.C.S. Prometric (not PSI or Pearson VUE). IdentoGO fingerprinting. 24-hr pre-licensing per line. Separate Life and A&H exams. Commissioner appointed. PA L&H Guaranty Association.
Frequently Asked Questions — Pennsylvania L&H Insurance Exam
How do I get a Pennsylvania Life & Health insurance license?
To become a licensed Life & Health producer in Pennsylvania: (1) Complete any required pre-licensing education (24 hours for Life or Accident & Health); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Prometric exam ($65, 70%); (4) Apply for your Pennsylvania producer license. The Pennsylvania Insurance Department (PID) (insurance.pa.gov) oversees all insurance producer licensing in Pennsylvania.
What exam does Pennsylvania use for Life & Health insurance licensing?
Pennsylvania uses Prometric to administer the Life & Health insurance licensing exam. Fee: $65. Passing score: 70%. Prometric administers (not PSI or Pearson VUE); IdentoGO fingerprinting; Commissioner appointed; separate exams for Life and Accident & Health; Pennsylvania L&H Guaranty Association; 40 Pa.C.S.; large Philadelphia and Pittsburgh markets.
Does Pennsylvania require pre-licensing for Life & Health insurance?
24 hours for Life or Accident & Health. For official pre-licensing provider information, visit insurance.pa.gov.
What are Pennsylvania's CE requirements for Life & Health producers?
Pennsylvania requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Pennsylvania Insurance Department (PID) at insurance.pa.gov for CE provider information.
What makes Pennsylvania unique for Life & Health insurance licensing?
Prometric administers (not PSI or Pearson VUE); IdentoGO fingerprinting; Commissioner appointed; separate exams for Life and Accident & Health; Pennsylvania L&H Guaranty Association; 40 Pa.C.S.; large Philadelphia and Pittsburgh markets.
Practice Exam Questions — Pennsylvania Life & Health
5 state-specific questions drawn from the Pennsylvania exam content outline. Correct answer highlighted in green.
Pennsylvania L&H exams are administered by:
- PSI Services LLC
- Pearson VUE
- Prometric — in-person or ProProctor remote; exam fee $65; 70% to pass; 24-hr pre-licensing per line; IdentoGO fingerprinting; Commissioner appointed
- Pennsylvania PID directly
Pennsylvania fingerprinting uses:
- Fieldprint
- Gemalto (same as Indiana and NC)
- IdentoGO — Pennsylvania uses IdentoGO with PA PID-specific code; submitted to PSP (Pennsylvania State Police) and FBI
- At the Prometric test center on exam day
Pennsylvania CE requires:
- 24 hours biennial — PID-approved providers; Commissioner appointed; renewal biennial; 40 Pa.C.S.; Annuity Best Interest required; LTC training required
- 30 hours triennial
- 16 hours biennial
- 12 hours annual
Pennsylvania has separate exams for Life and Accident & Health, meaning:
- PA has one combined L&H exam like most states
- Pennsylvania candidates must take separate Life and Accident & Health exams — each with its own 24-hour pre-licensing and $65 Prometric fee; similar to Arkansas and New York
- PA requires only one exam for both lines
- PA has a combined exam but scored separately
Pennsylvania's primary insurance statute is:
- Pennsylvania Consolidated Statutes Title 42 — Judiciary
- Pennsylvania Insurance Company Law — 40 Pa.C.S. (Title 40); PID at insurance.pa.gov; 1326 Strawberry Square, Harrisburg PA 17120; Commissioner appointed
- Pennsylvania Administrative Code Chapter 31
- Pennsylvania Statutes Title 75 — Vehicle Code