State RegulationsPA specificDifficulty 1/5
Before an insurer issues a new policy form to Pennsylvania consumers, what must happen to that form?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Pennsylvania subjects policy forms to state regulation: under the policy-form statutes administered by the Pennsylvania Insurance Department, including 40 P.S. §§ 1181-1199 and 40 P.S. §§ 1221-1238, forms must be filed with the department before they are issued to consumers. This gives the department the chance to screen policy language for compliance and fairness before the public is exposed to it, rather than after.
Why the other options are wrong
- B) Policyholders have no ratification role in form approval; the reviewing authority is the Pennsylvania Insurance Department.
- C) An internal signature does not clear a form for use; the form must be filed with the department before issuance.
- D) Producers distribute forms but have no authority to approve them; approval authority rests with the department under 40 P.S. §§ 1221-1238.
Memory hook
New forms go to Harrisburg before they go to the public.