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

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. All of the following statements about aleatory contracts are true EXCEPT

A) there are cases where the insurer pays nothing.
B) if a loss occurs, the insured's premium is small in relation to the amount the insurer pays.
C) the insured and insurer contribute equally to they contract.
D) they may be interpreted as a form of gambling.

2. The Pennsylvania Insurance Department is responsible for all of the following EXCEPT

A) producers.
B) insurers
C) form approvals.
D) shareholders.

3. Which of the following is a contract that is usually sold by a terminally ill person to an entity that receives death benefits from the policy at the insured's death?

A) Pure
B) Legal
C) Physical
D) Soeculative

4. When the Commissioner believes a producer has violated an insurance law, the Commissioner has the authority to:

A) Increase the producer's continuing education requirement
B) Issue a cease and desist order against the producer after a hearing
C) Terminate the producer's appointment
D) Cancel the producer's fiduciary responsibility

5. A PRIMARY feature of universal life insurance is that it is

A) bundled.
B) flexible.
C) variable.
D) fixed.

Solutions: