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Last Updated: Jul 11, 2026

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Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. An individual who is NOT acceptable by an insurer at standard rates because of health, habits, or occupation is called a

A) preferred risk.
B) substandard risk.
C) rating risk.
D) standard risk.


2. To prevent an insured from earning a higher income than if he or she were working, disability income policies utilize

A) benefit limits.
B) coinsurance.
C) waiting periods.
D) deductibles


3. A producer's fiduciary responsibility includes which of the following activities?

A) Recording the receipt and remitting of premiums due to an Insurer.
B) Property remunerating persons who furnish leads on prospects.
C) Providing needed insurance to prospective insureds through any sources that are available.
D) Guaranteeing payment to insureds for losses covered by policies that the producer sold.


4. Which of the following is a branch of dentistry dealing with the replacement of missing parts?

A) Endodontics
B) Prosthodontics
C) Orthodontics
D) Periodontics


5. For licensing purposes, the producer's principal place of business or residence in any slate determines the producer's

A) insurance transaction site.
B) license renewal date.
C) home state.
D) territory.


Solutions:

Question # 1
Answer: B
Question # 2
Answer: A
Question # 3
Answer: A
Question # 4
Answer: B
Question # 5
Answer: C

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