Insurance Licensing Certification Exams Pack
Everything from Basic, plus:
- Exam Name: Pennsylvania Life, Accident and Health Exam
- 160 Questions Answers with Explanation Detail
- Total Questions: 160 Q&A's
- Single Choice Questions: 160 Q&A's
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Insurance Licensing PA-Life-Accident-and-Health - Pennsylvania Life, Accident and Health Exam
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Want to bag your dream Pennsylvania Life, Accident and Health Exam (PA-Life-Accident-and-Health) Certification Exam?
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Total Questions: 160
Free Practice Questions: 48
An Insurance producer may NOT withdraw funds from a premium trust account to
Answer
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B
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Explanation
In Pennsylvania, insurance producers who collect premiums must deposit those funds into apremium trust account. These accounts are regulated to protect consumer funds and ensure proper handling of premiums. Pennsylvania insurance regulations clearly define how funds in a trust account may be used. Permissible uses of trust account funds include paying premiums to insurers, returning unearned premiums or deposits to insureds, and holding funds temporarily until they are properly allocated. However,producers are strictly prohibited from paying claims directly to insureds from a premium trust account. Claim payments are the responsibility of the insurance company, not the producer. Allowing producers to pay claims would expose consumers to financial risk and violate fiduciary standards. Such an action could result in serious penalties, including license suspension or revocation. Because paying claims to an insured is not an authorized use of a premium trust account, option B is the correct and verified answer. |
If an insured policyowner has a catastrophic or life threatening illness, how much money is the policyowner entitled to get from his or her viatical settlement provider?
Answer
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C
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Explanation
In Pennsylvania,viatical settlementregulations allow a life insurance policyowner who has a catastrophic or life-threatening illness to sell their policy to a viatical settlement provider in exchange for an immediate lump-sum payment. Pennsylvania insurance study materials explain that the amount received isless than the face value of the policy. The reduced payout reflects several factors, including the provider’s assumption of future premium payments, administrative costs, and expected return on investment. The viatical settlement provider becomes the policy beneficiary and collects the full death benefit upon the insured’s death. Options A and B are incorrect because viatical settlements never exceed the face value of the policy. Option D is incorrect because receiving the full face value would eliminate any incentive for the provider. Therefore, under Pennsylvania Life Insurance rules, the policyowner is entitled to receiveless than the face value of the life insurance policy, making option C the correct answer. |
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
Answer
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C
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Explanation
The statement describes thewaiver of premium rider, a common optional rider in Pennsylvania Life and Health Insurance policies. This rider relieves the policyowner of paying premiums when the insured becomestotally disabled, as defined in the policy, and remains disabled beyond a specified elimination period. Pennsylvania-approved study guides explain that once total disability is confirmed, the insurer waives required premiums while keeping the policy fully in force. Coverage continues as if premiums were being paid, preserving cash values and death benefits. If the insured recovers, premium payments resume. The other options are incorrect. A disability income rider provides monthly income, not premium relief. A waiting period exemption and premium suspension clause are not standard or recognized riders under Pennsylvania insurance regulations. Therefore, thewaiver of premium rideris the correct and verified answer based on Pennsylvania Life, Accident, and Health Insurance documentation. |
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Insurance Licensing PA-Life-Accident-and-Health FAQ'S
Find answers to the most common questions about the Insurance Licensing PA-Life-Accident-and-Health exam, including what it is, how to prepare, and how it can boost your career.
The Insurance Licensing PA-Life-Accident-and-Health certification is a globally-acknowledged credential that is awarded to candidates who pass this certification exam by obtaining the required passing score. This credential attests and validates the candidates' knowledge and hands-on skills in domains covered in the Insurance Licensing PA-Life-Accident-and-Health certification syllabus. The Insurance Licensing PA-Life-Accident-and-Health certified professionals with their verified proficiency and expertise are trusted and welcomed by hiring managers all over the world to perform leading roles in organizations. The success in Insurance Licensing PA-Life-Accident-and-Health certification exam can be ensured only with a combination of clear knowledge on all exam domains and securing the required practical training. Like any other credential, Insurance Licensing PA-Life-Accident-and-Health certification may require periodic renewal to stay current with new innovations in the concerned domains.
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Passing the Pennsylvania Life, Accident and Health Exam (PA-Life-Accident-and-Health) requires a comprehensive study plan that includes understanding the exam objectives and finding a study resource that can provide you verified and up-to-date information on all the domains covered in your syllabus. The next step should be practicing the exam format, know the types of questions and learning time management for the successful completion of your test within the given time. Download practice exams and solve them to strengthen your grasp on actual exam format. Rely only on resources that are recommended by others for their credible and updated information. Dumpstech's extensive clientele network is the mark of credibility and authenticity of its products that promise a guaranteed exam success.
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