Pennsylvania agents who plan to sell both life and health insurance products need both Life and Accident & Health lines of authority. Pennsylvania allows applicants to pursue both lines together by taking the combined Life, Accident and Health licensing examination.<\/p>\n\n\n\n
This guide explains what Pennsylvania Life and Health licensing allows you to sell, how the combined exam works, how to prepare, and the requirements to become licensed.<\/p>\n\n\n\n
For the complete licensing process, including application, fingerprinting, fees, and state procedures, review our Pennsylvania Insurance License Requirements<\/a> page.<\/p>\n\n\n\n Pennsylvania recognizes Life and Accident & Health as separate lines of authority. Applicants who plan to sell products from both lines can obtain both authorities on their producer license.<\/p>\n\n\n\n Holding both authorities allows an agent to work with products including:<\/p>\n\n\n\n Certain products may require additional training, certification, appointments, or other requirements before they can be sold.<\/p>\n\n\n\n Unlike the Pennsylvania Life Insurance License<\/a>, which provides Life authority, or the Pennsylvania Health Insurance License<\/a>, which provides Accident & Health authority, obtaining both allows you to work across both lines.<\/p>\n\n\n\n No. Pennsylvania does not require applicants to complete a state-mandated pre-licensing education course before taking the Life, Accident and Health licensing exam.<\/p>\n\n\n\n Applicants can register for the appropriate licensing examination without completing a specific number of pre-licensing education hours.<\/p>\n\n\n\n Because there is no required course-hour requirement, exam preparation should focus on learning the material contained in the Pennsylvania examination content outline and developing consistent performance on exam-style questions.<\/p>\n\n\n\n Pennsylvania offers a combined Life, Accident and Health examination for applicants pursuing both lines of authority.<\/p>\n\n\n\n The combined examination is PSI exam series 16-03. Pennsylvania also offers separate Life and Accident and Health examinations for applicants pursuing only one line.<\/p>\n\n\n\n The exam tests general Life and Health insurance concepts along with Pennsylvania-specific insurance laws and regulations. A minimum score of 70% is required to pass.<\/p>\n\n\n\n Pennsylvania Life and Health exam preparation should follow the state’s examination content outline for the combined Life, Accident and Health exam.<\/p>\n\n\n\n Topics include:<\/p>\n\n\n\n Our Pennsylvania Life and Health Insurance Exam Prep<\/a> includes exam-style practice questions and timed practice exams to reinforce the material and help you determine when you are ready for the licensing exam.<\/p>\n\n\n\n Many applicants prepare for the Pennsylvania Life and Health exam within two to four weeks when studying consistently.<\/p>\n\n\n\n Rather than scheduling the exam based only on the number of days you have studied, use your understanding of the material and performance on comprehensive practice exams to determine when you are ready to test.<\/p>\n\n\n\n The licensing process follows these steps:<\/p>\n\n\n\n The order of the application and fingerprinting steps is important. Pennsylvania instructs new resident applicants to submit the license application before submitting fingerprints.<\/p>\n\n\n\n For detailed application, fingerprinting, fees, and licensing instructions, review our Pennsyl<\/a>v<\/a>ania Insurance License Requirements<\/a> page.<\/p>\n\n\n\n The difference between the Pennsylvania options is the authority each provides:<\/p>\n\n\n\n Applicants who expect to work across both life and health insurance markets can pursue both lines through the combined Life, Accident and Health examination.<\/p>\n\n\n\n For information about the individual lines, review our Pennsylvania Life Insurance License Guide<\/a> or Pennsylvania Health Insurance License Guide<\/a>.<\/p>\n\n\n\n Because Pennsylvania does not require state-mandated pre-licensing education, applicants can choose exam preparation based on how effectively it prepares them for the licensing examination.<\/p>\n\n\n\n Look for Pennsylvania-specific instruction, exam-style practice questions, timed practice exams, and feedback that identifies areas requiring additional review.<\/p>\n\n\n\n National Online Insurance School’s Pennsylvania Life and Health course is designed specifically for exam preparation and does not represent a state-required education-hour requirement.<\/p>\n\n\n\n No. Pennsylvania does not require a specific pre-licensing education course or number of education hours before taking the Life, Accident and Health licensing examination.<\/p>\n\n\n\n Yes. Pennsylvania offers the Life, Accident and Health combined examination, PSI exam series 16-03, for applicants pursuing both lines of authority.<\/p>\n\n\n\n A minimum score of 70% is required to pass the Pennsylvania licensing examination.<\/p>\n\n\n\n Holding both Life and Accident & Health authority allows an agent to work across life insurance, annuities, health insurance, disability income insurance, Medicare supplement coverage, long-term care insurance, and other products within those lines. Additional requirements may apply to certain products.<\/p>\n\n\n\n No. Applicants pursuing both lines can take the combined Life, Accident and Health examination. Separate Life and Accident and Health examinations are also available for applicants pursuing only one line.<\/p>\n\n\n\n New resident producer applicants should submit the license application before completing the fingerprinting step.<\/p>\n\n\n\n If you plan to become licensed for both Life and Health insurance in Pennsylvania, the next step is preparing for the combined Life, Accident and Health licensing examination.<\/p>\n\n\n\nWhat Is a Pennsylvania Life and Health Insurance License?<\/h2>\n\n\n\n
Is Pre-Licensing Education Required in Pennsylvania?<\/h2>\n\n\n\n
Pennsylvania Life and Health Insurance Exam<\/h2>\n\n\n\n
What Pennsylvania Life and Health Exam Prep Covers<\/h2>\n\n\n\n
How Long Should You Prepare for the Pennsylvania Life and Health Exam?<\/h2>\n\n\n\n
Pennsylvania Life and Health Licensing Requirements<\/h2>\n\n\n\n
Pennsylvania Life and Health vs. Life or Health<\/h2>\n\n\n\n
Choosing Pennsylvania Life and Health Exam Prep<\/h2>\n\n\n\n
Frequently Asked Questions<\/h2>\n\n\n\n
Does Pennsylvania require pre-licensing education for Life and Health insurance?<\/h3>\n\n\n\n
Does Pennsylvania have a combined Life and Health insurance exam?<\/h3>\n\n\n\n
What score do you need to pass the Pennsylvania Life and Health insurance exam?<\/h3>\n\n\n\n
What can you sell with Pennsylvania Life and Health authority?<\/h3>\n\n\n\n
Do you need separate Life and Health exams in Pennsylvania?<\/h3>\n\n\n\n
When should you submit fingerprints in Pennsylvania?<\/h3>\n\n\n\n
Next Steps<\/h2>\n\n\n\n