Real exam format
Questions structured like the live PSI exam, so test day feels familiar – not foreign.
★★★★★ 4.9 from 12,000+ PA candidates
Pass the Pennsylvania Life,
Accident & Health Exam.
First try.
Free practice questions that mirror the real PSI exam – plus 1-on-1 expert support with a pay-after-pass guarantee!
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Real PSI format
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PASSED
Pennsylvania Insurance Law
A Pennsylvania life policy is delivered to the owner. During the free-look period, the owner may return the policy and receive:
A Nothing – the contract is already in force
B The cash surrender value only
C A full refund of the premium paid
D A prorated refund less administrative fees
Est. score 92%
Passing
98%
pass on the
first attempt
first attempt
PSI Exam Format
Pay After You Pass
12,000+ Candidates Helped
4.9 / 5 Average Rating
Life + Accident & Health Sections
Pass on the First Attempt
0+
PA candidates helped
0%
First-attempt pass rate
0/5
Average student rating
$0
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Pennsylvania Life, Accident & Health Question Sets
Choose a study mode below – all 500+ Questions are completely free. Practice with instant answer explanations, or take a timed, exam-style test.
Set 01 Free
PA Regulation & General Insurance
The Insurance Commissioner, producer licensing, unfair practices and general principles.
Start PracticeSet 02 Free
Life Policies & Provisions
Term, whole and universal life, riders, policy provisions and nonforfeiture options.
Start PracticeSet 03 Free
Basics, Annuities & Tax
Insurable interest, underwriting, fixed and variable annuities and tax treatment.
Start PracticeSet 04 Free
Health & Disability
Individual medical expense plans, disability income and required policy provisions.
Start PracticeSet 05 Free
Group & Senior Coverages
Group health, master policy and certificates, Medicare, supplements and long-term care.
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Watch · free walkthrough
Pennsylvania Life, Accident and Health Insurance Exam video walkthrough
A full walkthrough of what the exam covers and how to prepare for it.
Dead simple
Pass in 3 simple steps
No guesswork, no risk. Here's exactly how candidates go from studying to licensed.
01
1
Practice 100% free
Fed up paying for practice tests? We're not like the others – every Pennsylvania life and health question set is completely free. Work through them to see exactly where you stand against the real exam.
02
2
On a tight timeline?
In a hurry to get licensed? Contact us and our experts will fast-track your prep – there's no risk to you, and you only pay after you pass.
03
3
Pass & get licensed
Walk in confident, pass on your first attempt, and start writing business as a licensed Pennsylvania producer – and remember, you only pay once you've passed.
Why State Exams Prep
Everything you need to pass – nothing you don't
Pass-or-don't-pay guarantee
All the risk is on us. Practice free, get expert support, and settle up only once you've passed.
$0upfront – pay only after you pass
Answer explanations
Know why each answer is right and the rest are wrong, so weak spots disappear fast.
Full topic coverage
Every domain on the PA outline – general insurance principles, life, annuities, accident & health and the state insurance code.
1-on-1 coaching
Real humans guide your prep and answer questions whenever you're stuck.
Real results
PA candidates who passed with us
Thousands have used our practice sets and support to get licensed in Pennsylvania – most on their first attempt.
Passed first try
★★★★★
"The practice questions matched the real PSI exam better than anything else I tried. I cleared both the life and the accident & health content on my first attempt."
Amanda L.
Philadelphia, PA
Passed first try
★★★★★
"The Pennsylvania insurance code section scared me. Their explanations made replacement rules, free-look periods and producer duties finally click. Passed with room to spare."
Chris P.
Pittsburgh, PA
Passed first try
★★★★★
"Pay-after-you-pass made it a no-brainer. I felt zero pressure, studied with their plan, and had my producer license in under a month."
Nina S.
Harrisburg, PA
PASS OR
DON'T PAY
DON'T PAY
You only pay after you pass.
That's our entire promise. Practice for free, get expert support, and settle up only once you've passed the Pennsylvania Life, Accident and Health Insurance Exam. No upfront fees. No risk. Just results.
Know your exam
Exactly what you'll be tested on
The Pennsylvania Life, Accident and Health producer exam is administered by PSI for the Pennsylvania Insurance Department. The combined exam runs 150 scored multiple-choice questions in 170 minutes, covering general insurance principles, life and annuity products, accident & health products and the Pennsylvania insurance code – and you need 70% to pass.
Level
Producer
State
Pennsylvania
Provider
PSI
Regulator
PA Insurance Department
General Insurance Principles
Risk, insurable interest, contract law, underwriting, policy delivery and the claims process.
Life Insurance & Annuities
Term, whole and universal life, riders, dividend and nonforfeiture options, plus fixed and variable annuities.
Accident & Health
Disability income, medical expense plans, group health, Medicare, Medicare supplements and long-term care.
PA Insurance Code & Ethics
Producer licensing and duties, replacement and free-look rules, unfair trade practices and PA regulations.
Questions, answered
Everything you're wondering
How does "pay only after you pass" work?
Practicing is completely free – all 10 question sets cost you nothing. If you'd like personalized 1-on-1 expert support, just contact us and you settle up only after you've passed your Pennsylvania Life, Accident and Health Insurance Exam – no upfront fees, no risk.
What does the PA life, accident and health exam cover?
The PSI-administered combined exam covers general insurance principles, life insurance and annuity products, accident & health products such as disability income, medical expense, Medicare and long-term care, and the Pennsylvania insurance code and ethics rules. It runs 150 scored questions in 170 minutes and you need 70% to pass.
Do I need pre-licensing education first?
No. Act 142 of 2024 repealed Pennsylvania's pre-licensing education requirement effective 29 April 2025, so you can sit for the exam without completing the old 24-hour course. Structured preparation is still strongly recommended – that's exactly what our free question sets are for.
Are the question sets and exams really free?
Yes – completely free, no signup required. You get 10 full sets in total: 5 practice Q&A sets with instant answer explanations, plus 5 timed, exam-style mock exams. They all mirror the real PSI exam so you can gauge your readiness before test day.
Ready to pass the PA Life,
Accident & Health Exam?
Start with the free practice sets, or get a personalized pass plan from our experts. Either way, you risk nothing.
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98% first-try pass rate
Real PSI format
Pass the PA Life & Health Exam – first try.Free practice · pay only after you pass
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