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Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. Which of the following is a branch of dentistry dealing with diseases of the supporting structures of the teeth?

A) Endodontics
B) Periodontics
C) Orthodontics
D) Prosthodontics

2. According to Pennsylvania insurance laws, what action can the insurance company take if the insured unintentionally understated his or her age on the original application?

A) All amounts payable can be reduced to what they would be if the insured had reported the correct age.
B) Current claims must be paid under the incorrect age, but future claims can be paid under the correct age.
C) The policy can be terminated for misrepresentation.
D) No punitive actions can be taken because the error was unintentional.

3. Which one of the following type of calls is NOT exempt from the Do-Not-Call Registry?

A) insurance sales calls.
B) calls from charities.
C) calls on behalf of political organizations.
D) telephone surveys.

4. If an insurer determines the insured is totally disabled, the policyowner is relieved of paying the policy premiums as long as the disability continues. This statement describes the

A) waiting period exemption.
B) waiver of premium rider
C) premium suspension clause.
D) disability income rider.

5. A type of life insurance policy most commonly used by businesses for employees is

A) a group policy.
B) an equity indexed insurance policy.
C) an endowment policy.
D) a key person policy.

Solutions: