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

Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. Statements made on an application that the insured guarantees to be true are

A) warranties.
B) material facts.
C) estoppel.
D) waivers.

2. The main purpose of insurance is to

A) reduce risk.
B) transfer risk.
C) avoid risk.
D) retain risk.

3. In Pennsylvania, the Time Limit on Certain Defenses Provision provides that no statement can be used to deny a claim on an accident and health policy after

A) 1 year.
B) 3 years.
C) 7 years.
D) 5 years.

4. With a deferred annuity, how soon can the benefit payments begin?

A) At least 6 months after date of purchase
B) At least 12 months after date of purchase
C) Within 12 months of date of purchase
D) Within 6 months of date of purchase

5. A producer who knowingly submits a FALSE statement in support of a claim may be found guilty of

A) fraud.
B) rebating.
C) twisting.
D) coercion.

Solutions: