Pennsylvania Life & Health practice exam

Practice for the Pennsylvania Life & Health licensing exam under real exam conditions.

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The real exam, at a glance

administers the exam: PSI
minutes, one sitting: 170
to pass: 70%

Written against PSI outline 16-03-2026-03-01.

Sources, checked 20 October 2026

Pennsylvania Life & Health examination content outline (16-03), the content outline and the exam format figures this page states (question counts, time limit and, where the vendor publishes one, the passing score); the exam fee is set by the testing vendor or the state, so check the current figure with PSI. Checked 20 October 2026.

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This is how every answer is explained.

Insurance Regulation
1.A producer licensed as a resident in another state applies for a Pennsylvania nonresident producer license for the same lines she holds at home, and she submits the application and proof of her current home state license. Her home state does not grant nonresident licenses to Pennsylvania residents on the same basis. What may the Insurance Department do?
Answer: D. It may deny the application, because her home state lacks reciprocity on the same basis
Under Section 610-A(a)(2), after reviewing the application and proof of the home state license, the department issues a nonresident license for the equivalent lines, but it may deny the application when the applicant's home state does not award nonresident licenses to Pennsylvania residents on the same basis. So issuance is not automatic once a home state license is shown. Nor is a Pennsylvania examination a precondition for these lines: Section 610-A(a)(2) ties issuance to the items it lists, the application and the home state license proof among them, and Section 610-A(a)(1) sends an applicant back to the act's other requirements only for a line she does not hold at home, while these are the same lines. A letter of clearance from the former home state's commissioner is part of the change of home state process in Section 606.1-A, which applies to someone becoming a Pennsylvania resident, not to a nonresident applicant.
Source
40 P.S. Sec. 310.10(a)(2), Section 610-A(a)(2) of The Insurance Department Act of 1921; 40 P.S. Sec. 310.10(a)(1), Section 610-A(a)(1) of The Insurance Department Act of 1921; 40 P.S. Sec. 310.6a(a), Section 606.1-A(a) of The Insurance Department Act of 1921
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What's included

Full-length timed exams

The real format on the real clock, weighted the way the content outline weights it.

A verified question bank

501 questions, every answer explained and cited to the statute, rule or policy form it rests on.

Topic quizzes

Short sets on whatever you're weakest at.

Readiness score

It moves as you practice, weighted by topic. Book the real exam when it says you are ready.

What is actually on the Pennsylvania Life & Health exam

13 areas, each carrying the share of the exam its content outline gives it. Here is what we hold against every one of them.

1.0Insurance Regulation
84 verified · 21% of the exam
10.0Group Health Insurance
8 verified · 3% of the exam
11.0Dental Insurance
15 verified · 1% of the exam
12.0Health Insurance for Seniors and Special Needs Individuals
48 verified · 7% of the exam
13.0Federal Tax Considerations for Life and Health Insurance
44 verified · 2% of the exam
2.0General Insurance Concepts
33 verified · 7% of the exam
3.0Life, Accident, and Health Insurance Basics
97 verified · 14% of the exam
4.0Types of Life Insurance Policies
22 verified · 8% of the exam
5.0Life Policy Provisions, Options, and Riders
34 verified · 13% of the exam
6.0Annuities
26 verified · 9% of the exam
7.0Individual Accident and Health Policy Provisions
20 verified · 7% of the exam
8.0Disability Income and Related Insurance
38 verified · 4% of the exam
9.0Medical Plans
32 verified · 4% of the exam

501 verified questions across the 13 areas. Try a few of them free, or read what a Pennsylvania Life & Health sitting looks like before you decide how to study for it. Counts are read from the bank itself, so this list is what exists today, not what is planned.

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Pennsylvania Life & Health questions

How long is the Pennsylvania Life & Health exam?

You have 170 minutes.

What score do you need to pass?

70 percent of the scored questions.

How much does the Pennsylvania exam cost?

PSI sets the exam fee and can change it, so we do not print a figure here. Check the current fee in the candidate bulletin or handbook from PSI before you book. It is charged again for each attempt.

Who administers the exam?

PSI, on behalf of the state.

Are these practice questions the real exam questions?

No. Every question is original work written against the published exam content outline. Reproducing live exam questions would be both unlawful and useless preparation.

How do I know when I am ready?

A readiness score tracks your accuracy in each exam area, weighted the way the published content outline weights them. It stays hidden until you have answered enough questions across enough areas for it to mean anything.

Can I use it on my phone?

Yes. Everything works in your phone's browser, with no app to install.

How do refunds work?

Email us within 7 days of purchase for a full refund. No forms.

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Pennsylvania Life & Health practice exam

The real exam, at a glance

Try a question

What's included

Full-length timed exams

A verified question bank

Topic quizzes

Readiness score

What is actually on the Pennsylvania Life & Health exam

1.0Insurance Regulation

10.0Group Health Insurance

11.0Dental Insurance

12.0Health Insurance for Seniors and Special Needs Individuals

13.0Federal Tax Considerations for Life and Health Insurance

2.0General Insurance Concepts

3.0Life, Accident, and Health Insurance Basics

4.0Types of Life Insurance Policies

5.0Life Policy Provisions, Options, and Riders

6.0Annuities

7.0Individual Accident and Health Policy Provisions

8.0Disability Income and Related Insurance

9.0Medical Plans

$29 once, lifetime access

Pennsylvania Life & Health questions