10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The PA-LAH exam has 150 questions and runs 2 hours 50 minutes.
These 10 free PA-LAH questions are organized by exam domain, so you can see how each part of the Pennsylvania Life, Accident & Health Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A Pennsylvania insurer terminates a producer's appointment for reportable conduct. Select the correct deadline sequence for (1) notice to the Insurance Department after the effective termination, (2) the copy to the producer after that notice, and (3) the producer's written comments after receiving the copy.
Correct answer: C - 30 days / 15 days / 30 days
A client offers $12,000 in cash to fund an individual permanent life policy, suggests splitting it into two payments to avoid reporting, and asks whether the insurer will notify anyone. The producer's compliant response is to:
Correct answer: D - Use the insurer's AML process and do not disclose any possible filing to the client
After terminating a producer, an insurer leaves the producer listed on its website and allows insurer-branded signs to remain at the office. A reasonable applicant, unaware of the termination, believes the producer still represents the insurer. This fact pattern most directly implicates:
Correct answer: A - Apparent authority
A family's needs analysis identifies $85,000 for final expenses and debt, $420,000 for income replacement, and $120,000 for education. They have $70,000 in liquid assets designated for these needs and $225,000 of usable life insurance. Their $300,000 home is to be retained by the survivor, not sold. Calculate the additional life insurance indicated.
Correct answer: C - $330,000
The owner of a cash-value life policy can no longer pay premiums. The owner wants coverage to remain in force for life, will accept a smaller death benefit, and does not want cash now. Select the nonforfeiture option that matches those goals.
Correct answer: B - Reduced paid-up insurance
An indexed annuity uses a 75% participation rate, a 5% cap, a 0% floor, and no spread. The index increases 8% during the crediting term. Determine the credited rate.
Correct answer: A - 5%
While traveling, an HMO member develops crushing chest pain and shortness of breath. The nearest emergency department is out of network, and the member's primary care physician is unavailable. Under the prudent-layperson emergency standard, the member's appropriate immediate course is to:
Correct answer: A - Obtain immediate emergency evaluation without waiting for prior authorization or a referral
A company with 75 employees reduces an employee's hours, causing the employee, spouse, and dependent children to lose group health coverage. Gross misconduct is not involved. Choose the federal COBRA continuation terms that generally apply.
Correct answer: C - Up to 18 months at no more than 102% of the plan cost
An insured under a tax-qualified long-term care policy can perform all six activities of daily living, but a licensed health care practitioner certifies severe cognitive impairment requiring substantial supervision under a plan of care. How does the cognitive impairment affect benefit eligibility?
Correct answer: C - Severe cognitive impairment is an alternative trigger; two failed activities of daily living are not required
A person first became eligible for Medicare in 2024 and is applying during a guaranteed-issue opportunity. The person wants a standardized Medicare Supplement plan that covers Part B excess charges but does not cover the Part B deductible. Identify the plan that fits.
Correct answer: B - Plan G
The PA-LAH exam also covers these domains. Drill them in the full free practice test:
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