CertQuestUSA
Transportation70+AK/AL/AR +moreConstruction & Safety39+CAEnvironmental99+AL/AR/AZ +moreHealthcare & Clinical196+AL/AR/AZ +moreProfessional Licensing307+AL/AR/AZ +moreEducation & Teacher Certification24+CAAviation & FAA Certification9Finance & Securities Licensing23IT & Cloud Certification6Project Management1Military Entrance Testing1View all sectors ›

Free Pennsylvania Life and Health Practice Exam Online

Official exam: Life & Health Insurance Producer (Pennsylvania)

Take a free Pennsylvania Life and Health practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 173-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
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 written to the regulation it comes from.

Where these questions come from

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

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
Start diagnostic
Want the whole bank for Life & Health Insurance Producer (Pennsylvania)? One payment of $14.99 gives you 30 days of full access to this exam. It does not renew. No account needed to buy, and there is a 7-day money-back guarantee.
Not ready yet? Take the free practice test first.
Ways to pay for the full bank
30-day pass
$14.99
about $15 a month
This exam only. Pays once, does not renew.
Monthly
$19.99
$19.99 a month
Every exam. Cancel any time.
Yearly
$143.93
about $11.99 a month
Every exam. Billed once a year.
Lifetime
$39.99
pay once
This exam only, no time limit.

See all plans and bundles

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
Show answer and reasoning

Correct answer: A. Employers with 2 to 19 employees

  • B: 20+ employees is the threshold where federal COBRA (not Pennsylvania's mini-COBRA) applies.
  • C: Pennsylvania's mini-COBRA has a defined small-group band; it does not reach down to single-employee groups.
  • D: 50+ employees is far above the small-group band mini-COBRA was designed to fill; those groups fall under federal COBRA.
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
Show answer and reasoning

Correct answer: D. 9 months

  • A: 18 months is a federal COBRA continuation period, not the Pennsylvania mini-COBRA period.
  • B: 36 months applies to certain federal COBRA qualifying events (e.g., divorce, death of covered employee), not mini-COBRA.
  • C: 6 months understates the mini-COBRA continuation period Pennsylvania actually provides.
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
Show answer and reasoning

Correct answer: C. 30 days

  • A: 10 days is far shorter than the actual election window Pennsylvania law provides.
  • B: 60 days is the federal COBRA election period, not the mini-COBRA period.
  • D: 45 days is not the figure specified for mini-COBRA elections.
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
Show answer and reasoning

Correct answer: C. 5%

  • A: 10% exceeds the cap Pennsylvania law sets for mini-COBRA administrative fees.
  • B: 2% understates the permitted administrative fee.
  • D: Pennsylvania law does allow a capped administrative fee on top of the full premium, it is not prohibited entirely.
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
Show answer and reasoning

Correct answer: A. Mini-COBRA requires continuation only of medical coverage

  • B: Federal COBRA, not Pennsylvania's mini-COBRA, extends to dental and vision along with medical.
  • C: Mini-COBRA's continuation right is not limited to dental coverage; it applies to the medical plan.
  • D: Mini-COBRA does not extend to life insurance; it is a health-coverage continuation law.
Source: 40 P.S. § 764j (Act 51 of 2010); Pennsylvania Insurance Department consumer guidance on COBRA & Mini-COBRA
Same exam, other states
ALARAZCACOCTDCFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSNCNENHNJNMNVNYOHOKORSCTNTXUTVAWAWIWV
Real-world data for this exam
Insurance Sales Agents: real median wage (PA)May 2025$73,370/yr

Frequently asked questions

Where can I take a free Pennsylvania Life and Health practice exam online?
Right here. CertQuestUSA's free Pennsylvania Life and Health practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 173-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
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 Life & Health Insurance Producer (Pennsylvania) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
Composing your paper...