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Life & Health Insurance Producer (Pennsylvania)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life & Health Insurance Producer (Pennsylvania): a 173-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (58%) and healthcare.gov (14%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
173
questions in the bank
What this exam covers
5 real sample questions
Pennsylvania's "mini-COBRA" continuation law applies to employer group health plans of what size?
A. Employers with 2 to 19 employees
B. Employers with 20 to 49 employees
C. Any employer with at least 1 employee
D. Employers with 50 or more employees
Source: 40 P.S. § 764j (Act 51 of 2010, amending the Insurance Company Law of 1921)
Under Pennsylvania's mini-COBRA, for how long may an eligible individual continue group health coverage after a qualifying event?
A. 18 months
B. 36 months
C. 6 months
D. 9 months
Source: 40 P.S. § 764j (Act 51 of 2010)
Under Pennsylvania's mini-COBRA, how many days does an eligible individual have to elect continuation coverage after receiving notice?
A. 10 days
B. 60 days
C. 30 days
D. 45 days
Source: 40 P.S. § 764j (Act 51 of 2010)
Under Pennsylvania's mini-COBRA, what is the maximum administrative fee an employer may add on top of the full premium charged to a continuant?
A. 10%
B. 2%
C. 5%
D. No administrative fee is permitted
Source: 40 P.S. § 764j (Act 51 of 2010)
How does Pennsylvania's mini-COBRA continuation differ from federal COBRA in terms of what coverage must be continued?
A. Mini-COBRA requires continuation only of medical coverage
B. Mini-COBRA requires continuation of medical, dental, and vision coverage
C. Mini-COBRA requires continuation only of dental coverage
D. Mini-COBRA requires continuation of life insurance along with health coverage
Source: 40 P.S. § 764j (Act 51 of 2010); Pennsylvania Insurance Department consumer guidance on COBRA & Mini-COBRA
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (PA)May 2025$73,370/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life & Health Insurance Producer (Pennsylvania) practice test?
173 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (Pennsylvania) test cover?
10 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (14%), Applications, Underwriting, Delivery, and Field Responsibilities (14%), and Ethics, Suitability, Advertising, and General Regulation (14%).
Where do CertQuestUSA's Life & Health Insurance Producer (Pennsylvania) questions come from?
Primarily content.naic.org (58%) and healthcare.gov (14%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life & Health Insurance Producer (Pennsylvania)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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