PA L&H
Pennsylvania Life & Health Insurance License Exam
Pennsylvania regulates Life & Health producer licensing through Pennsylvania Insurance Department, Bureau of Licensing and Enforcement, with the exam delivered by PSI Services LLC. The combined Life & Health exam has 150 questions with a 170 minutes (2 hours 50 minutes) time limit. Passing requires 70%. The exam fee is $55. Pennsylvania does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Pennsylvania, covering national concepts plus Pennsylvania statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
PA L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Pennsylvania Life & Health Insurance License Exam |
| Governing Body | Pennsylvania Insurance Department, Bureau of Licensing and Enforcement |
| Number of Questions | 150 |
| Time Limit | 170 minutes (2 hours 50 minutes) |
| Passing Score | 70% |
| Exam Fee | $55 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Pennsylvania Insurance Department, Bureau of Licensing and Enforcement official website ↗ |
PA L&H Content Areas and Domains
Domain areas are sourced from the Pennsylvania Insurance Department, Bureau of Licensing and Enforcement content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Pennsylvania insurance law and regulations
How C3RT Helps You Pass the PA L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the PA L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real PA L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample PA L&H Practice Questions
Q1.Under Pennsylvania law, what is the rule regarding a director of a stock or mutual life insurance company who is offered a fee to broker a land sale for their company?
- They may accept the fee if they disclose the conflict to the board.
- Allowed with Commissioner approval
- It is prohibited for them to receive compensation for negotiating or procuring such transactions.Correct
- Only prohibited for mutual companies
Pennsylvania law strictly prohibits directors, trustees, and officers from receiving compensation for company property transactions to prevent conflicts of interest. The distractors are incorrect because the rule applies regardless of Commissioner approval or the specific type of company (stock vs. mutual).
Q2.A Pennsylvania insurer is drafting a standard life insurance policy. According to state regulations, how must premiums for life and endowment insurance be paid?
- Payable in arrears
- Payable in advanceCorrect
- Monthly premiums are allowed for all types of policies
- Payable at the insurer's discretion based on policy duration
Pennsylvania law requires life and endowment insurance premiums to be payable in advance, with the exception of industrial insurance. 'Payable in arrears' and 'Monthly premiums allowed for all types' are incorrect because they violate this specific state mandate.
Q3.A Pennsylvania insurance company is drafting a new standard life insurance policy. According to state regulations, how must the premiums for this policy be structured?
- Premiums must be payable in advance.Correct
- Premiums may be paid in arrears or in advance at the policyholder's discretion.
- Monthly premiums are permitted for all types of life and endowment insurance.
- Premiums can be paid in arrears as long as a monthly installment plan is established.
Pennsylvania law requires that all life and endowment premiums (except industrial insurance) be payable in advance. Options 0, 2, and 3 are incorrect because they allow for arrears or monthly payments which violate this specific state mandate.
PA L&H Frequently Asked Questions
What does PA L&H stand for?
PA L&H stands for Pennsylvania Life & Health Insurance License Exam. It is administered by Pennsylvania Insurance Department, Bureau of Licensing and Enforcement.
Who administers the PA L&H?
The Pennsylvania Life & Health Insurance License Exam (PA L&H) is administered by Pennsylvania Insurance Department, Bureau of Licensing and Enforcement. For official information, visit the Pennsylvania Insurance Department, Bureau of Licensing and Enforcement website.
How many questions is the PA L&H?
The PA L&H consists of 150 questions. Candidates are given 170 minutes (2 hours 50 minutes) to complete the exam.
What is the passing score for the PA L&H?
The passing score for the PA L&H is 70%, as set by Pennsylvania Insurance Department, Bureau of Licensing and Enforcement. Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the PA L&H exam cost?
The PA L&H exam fee is $55. This fee is set by Pennsylvania Insurance Department, Bureau of Licensing and Enforcement and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Pennsylvania Life & Health exam?
The Pennsylvania combined Life & Health exam has 150 scored questions, a 170 minutes (2 hours 50 minutes) time limit, a $55 exam fee. Passing requires 70%. It is delivered by PSI Services LLC.
Does Pennsylvania require prelicensing education for Life & Health?
No. Pennsylvania does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Pennsylvania Life & Health exam?
Pennsylvania requires 70% on the Life & Health exam. Confirm the current standard with Pennsylvania Insurance Department, Bureau of Licensing and Enforcement, since passing standards can change.
Is the Life & Health exam different in Pennsylvania than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Pennsylvania tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Pennsylvania Insurance Department, Bureau of Licensing and Enforcement.
C3RT is a native iOS and macOS exam preparation platform covering the Pennsylvania Life & Health Insurance License Exam (PA L&H), a Insurance Licensing certification, administered by Pennsylvania Insurance Department, Bureau of Licensing and Enforcement. C3RT is not affiliated with or endorsed by Pennsylvania Insurance Department, Bureau of Licensing and Enforcement. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Pennsylvania Insurance Department, Bureau of Licensing and Enforcement official website ↗ .