Pennsylvania Life & Health Insurance Exam

Welcome to the Pennsylvania Life & Health Insurance Exam study guide. This comprehensive resource covers Pennsylvania-specific insurance laws, regulations, and practices required for your state licensing exam.

About Pennsylvania's Life & Health License

Pennsylvania requires insurance producers to pass the Life and Health examination to sell life and health insurance products in the state. The license is regulated by the Pennsylvania Insurance Department, which oversees all insurance activities in Pennsylvania under the Pennsylvania Insurance Code (Title 40).

What This Exam Covers

This guide focuses exclusively on Pennsylvania state law and regulations:

• Pennsylvania Insurance Department structure and authority
• State licensing requirements and procedures
• Pennsylvania life insurance laws and policy requirements
• Health insurance regulations specific to Pennsylvania
• State consumer protections and disclosures
• Pennsylvania-specific policy provisions and endorsements
• Ethics and professional conduct under Pennsylvania law

national Life & Health exam preparationFree exam prep with practice questions & AI tutor

Exam Structure

Combined Life and Health Exam

Health Only Exam

Pre-License Education Requirements

Pennsylvania requires pre-licensing education for initial insurance producer applicants:

Education Requirements

• Complete courses at Pennsylvania-approved education providers
• Must complete education BEFORE taking the state exam
• Bring Certificate of Completion to the exam

Nonresident Applicants

Nonresident license candidates may obtain a Pennsylvania agent license without pre-license education if:

• Currently licensed as a resident and in good standing in their home state
• Also exempt from examination if home state grants waiver to PA residents

Exam Registration

Schedule your exam with PSI:

• Online: psiexams.com
• Phone: (888) 818-5822
• Options: Physical testing center or online proctored exam (for eligible candidates)

Exam Day Requirements

On exam day, you must bring:

• One valid form of government-issued ID (driver's license, passport, military ID) with name and photo
• Certificate of Completion showing successful completion of pre-licensing education

You will NOT be able to take the exam without these items.

Fingerprinting Requirements

All first-time individual resident producer and adjuster applicants must be fingerprinted:

License Application Process

After passing the exam:

1. Submit Application: Through NIPR or Pennsylvania Insurance Department portal
2. Pay License Fee: $55 application fee
3. Complete Fingerprinting: If not already done
4. Processing Time: Varies
5. License Issued: Valid for 2 years

Retake Policy

Pennsylvania allows unlimited retakes:

• Must wait at least 24 hours before scheduling next attempt
• Each retake requires paying the complete exam fee again

Continuing Education Requirements

To maintain your Pennsylvania Life & Health license:

New Ethics Requirement (Act 142 of 2024)

Effective April 29, 2025, all Pennsylvania insurance producers must complete:

• 3-hour Ethics CE course as condition for license renewal
• Producers licensed before 4/29/2025 must complete by 4/29/2026 or end of current license period (whichever is later)

Product-Specific Training

Pennsylvania Insurance Department

The Pennsylvania Insurance Department regulates insurance in Pennsylvania:

Contact Information

• Website: www.insurance.pa.gov
• Phone: (717) 787-3840
• Address: 1209 Strawberry Square, Harrisburg, PA 17120
• Bureau of Licensing and Enforcement: (717) 787-3840

What This Study Guide Covers

This guide is organized into the following chapters:

1. Chapter 1: Pennsylvania Insurance Regulation & Licensing
2. Chapter 2: Pennsylvania Life Insurance Laws
3. Chapter 3: Pennsylvania Health Insurance Laws
4. Chapter 4: Pennsylvania Policy Provisions & Consumer Protections
5. Chapter 5: Ethics & Professional Conduct
6. Chapter 6: Pennsylvania Guaranty Associations & Special Programs

Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.

Study Recommendations

Timeline

6-8 Weeks Before Exam:

• Complete pre-licensing education course
• Begin studying Pennsylvania insurance law
• Review national Life & Health concepts

4 Weeks Before Exam:

• Focus on weak areas identified
• Complete practice quizzes daily
• Memorize key Pennsylvania requirements

2 Weeks Before Exam:

• Take full-length practice exams
• Review Pennsylvania-specific regulations
• Schedule your exam with PSI

1 Week Before Exam:

• Final review of key topics
• Focus on Pennsylvania laws and rules
• Get adequate rest

Test-Taking Tips

Before the Exam

1. Complete all pre-licensing education requirements
2. Obtain your Certificate of Completion
3. Register for fingerprinting with IdentoGO
4. Schedule exam with PSI
5. Bring valid ID and certificate to exam

During the Exam

1. Read carefully: Every word matters
2. Watch for negatives: "NOT", "EXCEPT", "LEAST"
3. Eliminate wrong answers: Narrow choices
4. Flag difficult questions: Return later
5. Manage time: ~1.1 minutes per question
6. Don't overthink: Trust your preparation

After the Exam

• Results provided immediately
• Passing: Receive score report for license application
• Failing: Wait 24 hours, then reschedule (pay new exam fee)
• Unlimited retake attempts allowed

Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Pennsylvania Insurance Department, as laws and requirements may change.