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Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. An illness or disease which is first diagnosed and treated while the policy is in force is considered

A) an exclusion.
B) an accidental injury.
C) a preexisting condition.
D) a sickness.

2. The commissioner may refuse to issue a license if the applicant

A) Is not a resident of Pennsylvania.
B) has allowed an insurance license to lapse.
C) is 20-years of age.
D) provided incorrect information on licensing application

3. [I Intentionally withholding information that should be provided to an insurer is known as

A) twisting.
B) concealment.
C) misrepresentation.
D) estoppel

4. To receive proceeds from a death benefit a minor

A) must be related to the insured.
B) can only be named as a contingent beneficiary.
C) must have an appointed guardian.
D) must be at least 16 years old.

5. All of the following statements apply to the child coverage in a family policy EXCEPT

A) child coverage is convertible to whole life coverage.
B) child coverage is term insurance.
C) coverage applies only to children born before the policy is issued.
D) children are covered until reaching a specified age.

Solutions: