200+ Free PA Life & Health Practice Questions

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Which state agency regulates insurance producers and insurers for Pennsylvania Life and Health licensing?

Pennsylvania Department of Banking and Securities

Pennsylvania Insurance Department

Pennsylvania Office of Consumer Protection

Pennsylvania Department of State, Insurance Board

to track

2026 Statistics

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.

Sample PA Life & Health Practice Questions

Try these sample questions to test your PA Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which state agency regulates insurance producers and insurers for Pennsylvania Life and Health licensing?

A.Pennsylvania Department of Banking and Securities

B.Pennsylvania Insurance Department

C.Pennsylvania Office of Consumer Protection

D.Pennsylvania Department of State, Insurance Board

Explanation: The Pennsylvania Insurance Department is the primary insurance regulator for producer licensing and insurer oversight in Pennsylvania. It administers licensing standards, enforcement actions, and consumer-protection requirements under Pennsylvania insurance law. The other agencies listed have different regulatory functions.

2A candidate wants Pennsylvania authority for both Life Insurance/Annuities and Accident and Health. Which exam path is valid?

A.Pass only Series 16-01

B.Pass only Series 16-02

C.Pass Series 16-01 and 16-02, or pass combined Series 16-03

D.Pass Series 16-06 only

Explanation: Pennsylvania allows two valid paths for combined Life and Health authority: the two single-line exams (16-01 and 16-02) or the combined exam (16-03). This is specifically described in the PSI Pennsylvania candidate bulletin. Series 16-06 is for Property and Casualty, not Life and Health.

3What is the official exam length for Pennsylvania Series 16-03?

A.150 scored questions in 150 minutes

B.150 scored questions in 170 minutes

C.160 scored questions in 170 minutes

D.145 scored questions in 160 minutes

Explanation: The official PSI Series 16-03 content outline lists 150 scored items with a 170-minute time limit. This pacing differs from some other states that use 150 minutes for 150 items. Candidates should train for just over one minute per question.

4What minimum score is required to pass Pennsylvania producer licensing exams, including 16-03?

A.65%

B.68%

C.70%

D.75%

Explanation: Pennsylvania candidate materials state that a 70% minimum score is required to pass producer licensing examinations. This applies to Life and Health licensing paths as presented in the bulletin and content-outline section. Building a practice buffer above 70% is a strong strategy for exam day.

5According to the current Pennsylvania PSI fee table, what is the exam fee for Series 16-03?

A.$45

B.$50

C.$55

D.$65

Explanation: The current Pennsylvania PSI bulletin and live test listing show a $55 exam fee for Life, Accident and Health (16-03). Single-line Life or Health exams are listed separately at $45 each. Exam fees are also identified as nonrefundable and nontransferable.

6In addition to scored questions, what does the Pennsylvania bulletin say may appear on insurance exams?

A.No unscored questions are ever included

B.Exactly 20 unscored questions are always included

C.A small number of unscored pretest items, usually 5 to 10

D.One essay question that is manually graded

Explanation: The bulletin notes that, beyond the scored items in the outline, a small number of unscored pretest questions may appear. It specifies this is typically 5 to 10 questions. Those items do not count toward the candidate score but are part of test development.

7How many times may a candidate retake a Pennsylvania insurance licensing exam if they fail?

A.One retake only

B.Three total attempts per year

C.Four total attempts per year

D.No stated limit in the PSI Pennsylvania bulletin

Explanation: The current Pennsylvania PSI bulletin states there is no limit to the number of retakes. Candidates still must pay required exam fees for each attempt and follow scheduling rules. This differs from programs that impose strict annual attempt caps.

8What is the minimum age to qualify as a Pennsylvania resident insurance producer?

A.16

B.18

C.19

D.21

Explanation: Pennsylvania resident licensing requirements state that applicants must be at least 18 years old. This is part of the baseline eligibility checklist before licensure can be issued. Meeting age alone is not enough; other statutory qualifications must also be satisfied.

9Which statement matches Pennsylvania resident producer eligibility?

A.Applicant must maintain a primary residence or business location in Pennsylvania

B.Applicant must be a U.S. citizen born in Pennsylvania

C.Applicant must have five years of insurance experience

D.Applicant must hold an active out-of-state producer license first

Explanation: Pennsylvania resident applicants must maintain a primary residence or business location in the Commonwealth. The bulletin does not require Pennsylvania birth, prior licensure in another state, or five years of experience. Candidates must still satisfy competence and character standards.

10When registering with IdentoGO for Pennsylvania insurance producer fingerprints, which service code must be used?

A.PAINS16

B.1KGBGJ

C.PA-310

D.16-03PA

Explanation: Pennsylvania licensing instructions identify service code 1KGBGJ for insurance producer fingerprinting with IdentoGO. Using the wrong code can delay or prevent proper transmission of results to the Department. Producers are expected to follow this workflow exactly.

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

~35%

Life Insurance and Annuities

Life policy types, provisions, options, riders, annuity products, beneficiary designations, and settlement options

~30%

Health and Disability Insurance

Individual and group health plans, disability income, medical expense coverage, Medicare supplement, and long-term care

~20%

Pennsylvania Insurance Law

PID authority, producer licensing and appointments under Title 40, unfair trade practices, replacement rules, and claims standards

~10%

Tax and Qualified Plans

Federal tax treatment of life/annuity and health products, qualified retirement plans, and IRA rules

~5%

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

1Know that Pennsylvania eliminated pre-license education in April 2025 — this is a likely exam topic and a key PA-specific fact.

2Focus on PID authority and Title 40 producer licensing rules for the Pennsylvania law section.

3Drill life policy provisions and health coverage types heavily — they make up about 65% of the exam.

4Study Medicare supplement and long-term care requirements, which are heavily tested in the senior-market domain.

5Practice timed sets of 150 questions to build endurance for the 150-minute exam window.

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.