Key Takeaways
- Pennsylvania does NOT require pre-license education for insurance producers, though it is recommended
- PSI Services LLC administers Pennsylvania insurance licensing exams
- The Pennsylvania Life, Accident & Health exam requires a 70% passing score
- License applicants must pass a background check but fingerprinting is NOT required
- Pennsylvania licenses are valid for 2 years from the date of issue
Pennsylvania Producer Licensing Requirements
Pennsylvania has specific requirements for obtaining a Life, Accident & Health insurance producer license. Unlike many states, Pennsylvania does NOT require pre-license education, though completing a course is recommended.
Pre-License Education
Not Required But Recommended
| Requirement | Pennsylvania Rule |
|---|---|
| Pre-License Education | NOT REQUIRED |
| Recommended Study | Self-study or prep course |
| Study Materials | Available from various vendors |
Key Points:
- Pennsylvania is one of the states that does NOT mandate pre-license education
- While not required, completing a preparation course is highly recommended
- Many candidates find a 40-hour course helpful for exam preparation
- Study guides and practice exams are available from testing vendors
Exam Tip: Remember that Pennsylvania does NOT require pre-license education. This is a frequently tested distinction from states like California that require 40 hours.
Examination Requirements
The Pennsylvania Life, Accident & Health examination:
| Exam Detail | Requirement |
|---|---|
| Total Questions | 150 |
| Time Limit | 2 hours 30 minutes |
| Passing Score | 70% |
| Exam Fee | Approximately $46 |
| Testing Provider | PSI Services LLC |
| Retake Policy | Can retake immediately, pay new fee |
Examination Process
- Register with PSI online at psiexams.com or call
- Schedule exam at convenient testing center or remote proctoring
- Exam options: Physical PSI testing center OR remote proctored exam
- Bring valid ID with photo (driver's license, passport, military ID)
- Receive results immediately after exam
Background Check Requirements
Pennsylvania requires a background check for all insurance license applicants:
Background Check Process
- Criminal background check required
- Fingerprinting NOT required in Pennsylvania
- Self-disclosure of criminal history on application
- Results reviewed by PID
Disqualifying Factors
PID considers criminal history when evaluating license applications:
- Crimes involving fraud, dishonesty, or breach of trust
- Felonies substantially related to insurance activities
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
Note: A criminal record does not automatically disqualify an applicant. PID considers the nature of the offense, time elapsed, and evidence of rehabilitation.
License Application
After passing the exam:
- Submit application through NIPR (National Insurance Producer Registry)
- Pay license fee ($55 for 2-year license)
- Complete background check (through application disclosure)
- Receive license after PID review (typically 2-4 weeks)
License Types and Authority
| License Type | What You Can Sell |
|---|---|
| Life Agent | Life insurance and annuities |
| Accident & Health Agent | Health, disability, LTC insurance |
| Life, Accident & Health Agent | All life and health products |
Lines of Authority
Pennsylvania issues licenses by lines of authority:
- Life - Covers life insurance and annuities
- Accident and Health - Covers health and disability
- Variable - Required for variable products (additional exam)
What is the passing score for the Pennsylvania Life, Accident & Health insurance exam?
How many hours of pre-license education does Pennsylvania require for a Life, Accident & Health license?
Who administers insurance licensing exams in Pennsylvania?