Pennsylvania Insurance Regulations Practice Questions — Page 3 of 5
225 free Pennsylvania-specific insurance regulation questions for the Pennsylvania Life & Health exam — page 3.
- 101.Two life insurance applicants present identical risk factors — the same age, build, occupation, and health …Difficulty 3/5PA specific
- 102.A policyowner is considering replacing an existing life policy and asks the producer how the two contracts …Difficulty 2/5PA specific
- 103.A client asks why a variable life policy's cash value and death benefit fluctuate while a fixed-dollar poli…Difficulty 3/5PA specific
- 104.An individual accident and health policy is paid for with monthly premiums. Under 40 P.S. § 753(A)(3), what…Difficulty 1/5PA specific
- 105.An employee covered under a Pennsylvania employer's group health plan loses eligibility for coverage. Under…Difficulty 2/5PA specific
- 106.Which Pennsylvania regulations govern pre-existing condition provisions in group health insurance policies?Difficulty 1/5PA specific
- 107.A consumer replaces an annuity contract with a new annuity issued by a different insurer with no insurer-gr…Difficulty 2/5PA specific
- 108.Under Pennsylvania's Medicare Supplement regulations on open enrollment (31 Pa. Code 89.778), what protecti…Difficulty 1/5PA specific
- 109.After violations of Pennsylvania's insurance laws are established against a licensee, which set of conseque…Difficulty 3/5PA specific
- 110.An accident and health insured is injured in an accident that occurs while he is committing a burglary, an …Difficulty 2/5PA specific
- 111.Under 31 Pa. Code 90f.4, which restriction may an insurer permissibly place on an accelerated benefit provi…Difficulty 2/5PA specific
- 112.Under Pennsylvania's unfair trade practices framework, which of the following constitutes false advertising?Difficulty 1/5PA specific
- 113.An insurer contracts with a firm to serve as its exclusive general agent for a Pennsylvania territory, and …Difficulty 2/5PA specific
- 114.An injured worker receives workers' compensation benefits and also holds a group disability policy. How doe…Difficulty 2/5PA specific
- 115.A Pennsylvania producer knowingly submits a fabricated invoice to support an inflated claim on a client's p…Difficulty 2/5PA specific
- 116.A producer facing a personal cash-flow shortfall diverts a client's premium payment to cover office rent, p…Difficulty 2/5PA specific
- 117.Under Pennsylvania's long-term care benefit-trigger rules (31 Pa. Code 89a.124 and 31 Pa. Code 89a.125), wh…Difficulty 1/5PA specific
- 118.A producer circulates a flyer that implies the Pennsylvania Insurance Department endorses the advertised po…Difficulty 2/5PA specific
- 119.A Pennsylvania policyowner divorces, wants to keep her former husband as the beneficiary of her life policy…Difficulty 2/5PA specific
- 120.A Pennsylvania employee is covered under her employer's group health plan and also as a dependent under her…Difficulty 2/5PA specific
- 121.A group disability policy integrates with Social Security disability benefits. Under Pennsylvania's coordin…Difficulty 2/5PA specific
- 122.A producer recommends that a client replace her comprehensive major medical plan with a cancer-only policy …Difficulty 2/5PA specific
- 123.Under 40 P.S. § 310.9, what is the maximum duration of a temporary producer license issued in Pennsylvania?Difficulty 1/5PA specific
- 124.When a producer personally delivers a life insurance policy to the policyowner in Pennsylvania, what must t…Difficulty 1/5PA specific
- 125.Where are the premiums paid into a variable annuity invested?Difficulty 1/5PA specific
- 126.An individual accident and health policy is paid for with weekly premiums. What is the minimum grace period…Difficulty 1/5PA specific
- 127.The Pennsylvania Insurance Department receives credible evidence that a producer has engaged in unfair meth…Difficulty 2/5PA specific
- 128.What does Pennsylvania's producer disclosure requirement oblige a producer to do when advising an applicant?Difficulty 2/5PA specific
- 129.A Pennsylvania producer completes 30 hours of approved continuing education during her 2-year compliance pe…Difficulty 2/5PA specific
- 130.In Pennsylvania, what must a life insurer do with any restriction or exclusion it applies to an accelerated…Difficulty 1/5PA specific
- 131.Two business partners own a company together, and each wants to buy life insurance on the other to fund a b…Difficulty 2/5PA specific
- 132.Under Pennsylvania insurance law, what does the prohibition on rebating mean for a licensed producer?Difficulty 1/5PA specific
- 133.A disability insured becomes disabled shortly after the policy is issued. No benefits are paid for the firs…Difficulty 3/5PA specific
- 134.Which statement accurately describes how the long-term care right to return works under 40 P.S. § 991.1110?Difficulty 2/5PA specific
- 135.A producer plans to replace a client's existing long-term care policy with a new one from another insurer. …Difficulty 2/5PA specific
- 136.A claim is submitted for care related to a heart condition diagnosed two years before a long-term care poli…Difficulty 3/5PA specific
- 137.A candidate is comparing how Pennsylvania treats pre-existing conditions in group health policies versus in…Difficulty 3/5PA specific
- 138.Which Pennsylvania statute mandates postpartum coverage for mothers in health insurance policies?Difficulty 1/5PA specific
- 139.Under the federal National Do Not Call List program, which practice is expected of a Pennsylvania producer …Difficulty 1/5PA specific
- 140.What is the function of the payment-of-claims provision, cited by the Pennsylvania Insurance Department's o…Difficulty 1/5PA specific
- 141.Which statement about a Pennsylvania temporary producer license is most accurate?Difficulty 3/5PA specific
- 142.A producer tells a client that a lettered Medicare supplement plan pays different benefits depending on whi…Difficulty 3/5PA specific
- 143.Under Pennsylvania's unfair claims settlement rules, how promptly must an insurer acknowledge a claim after…Difficulty 1/5PA specific
- 144.A Pennsylvania producer holds a life insurance license but no securities registration, and sells a variable…Difficulty 2/5PA specific
- 145.Which statement best describes how a variable annuity is regulated for a Pennsylvania consumer?Difficulty 2/5PA specific
- 146.Which statement most accurately distinguishes the administrative cease-and-desist process from criminal enf…Difficulty 3/5PA specific
- 147.A Pennsylvania producer uses premium money a client gave him to cover temporary office expenses, fully inte…Difficulty 2/5PA specific
- 148.Which of the following is an eligible group for group life insurance coverage in Pennsylvania?Difficulty 1/5PA specific
- 149.A group long-term care certificateholder's coverage ends because the master group policy terminates. Under …Difficulty 2/5PA specific
- 150.A member of a Pennsylvania group health plan is losing eligibility under the group contract. What opportuni…Difficulty 2/5PA specific