200+ Free PA Life & Health Practice Questions
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Key Facts: PA Life & Health Exam
150
Total Questions
Prometric PA exam materials
150 min
Exam Time
Prometric PA candidate bulletin
70%
Passing Score
Pennsylvania Insurance Department
$48
Exam Fee
Prometric PA fee schedule
None
Pre-License Education
PID April 2025 rule change
24 hrs / 2 yrs
CE Requirement
PID producer renewal rules
~65-70%
First-Attempt Pass Rate
PID exam performance data
As of February 2026, Prometric Pennsylvania materials list the combined Life, Accident, and Health exam at 150 questions in 150 minutes with a 70% passing standard and $48 exam fee. Pennsylvania eliminated its pre-license education requirement in April 2025. The exam blueprint covers life products, annuities, health/disability provisions, and Pennsylvania-specific law including PID regulatory authority, producer licensing rules under Title 40, replacement requirements, and unfair trade practices. CE requirements are 24 hours per 2-year period including 3 ethics hours.
About the PA Life & Health Exam
Pennsylvania uses a combined Life, Accident, and Health producer exam covering national life/health fundamentals plus Pennsylvania-specific statutes and regulations. Pennsylvania eliminated its pre-license education requirement in April 2025, making it one of the most accessible states for new producers.
Questions
150 scored questions
Time Limit
2 hours 30 minutes (150 minutes)
Passing Score
70%
Exam Fee
$48 (Pennsylvania Insurance Department (PID) / Prometric)
PA Life & Health Exam Content Outline
Life Insurance and Annuities
Life policy types, provisions, options, riders, annuity products, beneficiary designations, and settlement options
Health and Disability Insurance
Individual and group health plans, disability income, medical expense coverage, Medicare supplement, and long-term care
Pennsylvania Insurance Law
PID authority, producer licensing and appointments under Title 40, unfair trade practices, replacement rules, and claims standards
Tax and Qualified Plans
Federal tax treatment of life/annuity and health products, qualified retirement plans, and IRA rules
General Insurance Concepts
Risk management, insurable interest, contract law, and foundational insurance principles
How to Pass the PA Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes (150 minutes)
- Exam fee: $48
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
PA Life & Health Study Tips from Top Performers
Frequently Asked Questions
How many questions and how much time are on the Pennsylvania Life & Health exam?
The current Pennsylvania exam has 150 multiple-choice questions with a 150-minute (2.5 hour) time limit administered through Prometric testing centers.
What is the passing score and exam fee for the PA Life & Health exam?
Pennsylvania requires a 70% passing score with a $48 exam fee. There is also a $55 license application fee after passing.
Is pre-license education required in Pennsylvania?
No. Pennsylvania eliminated the pre-license education requirement in April 2025. Candidates can schedule and take the exam without completing any classroom or online courses first.
What continuing education is required after getting licensed in Pennsylvania?
Pennsylvania resident producers must complete 24 hours of continuing education every 2-year renewal period, including 3 hours of ethics.
What Pennsylvania-specific topics should I study?
Focus on PID regulatory authority, producer licensing under Title 40, unfair trade practices, replacement requirements, claims standards, and the April 2025 elimination of pre-license education.