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Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:

1. Which term describes an insurer operating in the state in which it is incorporated?

A) participating
B) domestic
C) resident
D) foreign

2. Which type of policy contains both a minimum and target premium?

A) whole life
B) adjustable life
C) universal life
D) graded premium life

3. Which type of life insurance policy is written under a single contract for both spouses in which it is payable upon the first death?

A) Spousal.
B) Survivorship.
C) Joint.
D) Dual capacity.

4. Returning part of the commission or giving anything of value to the insured for purchasing a policy is

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

5. Penalties that may be levied by the insurance department for committing fraud include all of the following EXCEPT

A) order to cease and desist
B) license revocation.
C) fines.
D) incarceration.

Solutions: