Pennsylvania insurance exam guide (2026)

Last updated October 13, 2026

The Pennsylvania Life and Accident and Health producer exams, from PSI's Pennsylvania candidate information bulletin and its content outlines in effect from March 1, 2026.

The exam at a glance

	Life Insurance (16-01)	Accident and Health (16-02)
Scored questions	100	100
Unscored experimental questions	5 to 10 may be added	5 to 10 may be added
Exam time	120 minutes	120 minutes
Passing score	Minimum 70%	Minimum 70%
PSI exam fee	$45	$45

The question counts and times come from the PSI outlines. The bulletin says the experimental questions "will not be scored and sufficient time to answer them is included in the examination time." It says "you must achieve a minimum score of 70 %" and that exam fees are not refundable or transferable.

PSI also offers a combined Life, Accident and Health exam (16-03): 150 questions in 170 minutes for $55, and the bulletin says you must pass the overall exam to get a license in either line. Our practice exams follow the two separate exams above. With the Bundle you also get a combined exam simulator: 150 questions in 170 minutes. PSI's combined outline gives each topic as a percentage, not a number of questions, so our number of questions per topic is an estimate.

Pennsylvania law on the exam

PSI says the exam includes Pennsylvania law. It is spread through the exam and you get one score, 70% to pass. Practice the Pennsylvania law questions: free Pennsylvania insurance law questions.

What is on the Life exam (16-01)

Section	Share	Questions out of 100
1.0 Insurance Regulation	14%	14
2.0 General Insurance Concepts	10%	10
3.0 Life Insurance Basics	20%	20
4.0 Types of Life Insurance Policies	17%	17
5.0 Life Insurance Policy Provisions, Options, and Riders	22%	22
6.0 Annuities	12%	12
7.0 Federal Tax Considerations for Life Insurance	5%	5

What is on the Accident and Health exam (16-02)

Section	Share	Questions out of 100
1.0 Insurance Regulation	13%	13
2.0 General Insurance Concepts	10%	10
3.0 Accident and Health Insurance Basics	10%	10
4.0 Individual Accident and Health Insurance Policy Provisions	13%	13
5.0 Disability Income and Related Insurance	10%	10
6.0 Medical Plans	14%	14
7.0 Group Health Insurance	9%	9
8.0 Dental Insurance	2%	2
9.0 Health Insurance for Senior Citizens and Special Needs Individuals	14%	14
10.0 Federal Tax Considerations for Health Insurance	5%	5

PSI gives a percentage for each section, not a number of questions. With 100 scored questions, each percentage is that many questions.

Scheduling and test day

Where: the bulletin says to select your test, then the modality: test center or remote proctored. PSI's Pennsylvania page says testing is available at test centers and by online proctoring for eligible candidates.
Tutorial: the bulletin says the time you spend on the tutorial, up to 15 minutes, does not count as part of your exam time.
English as a second language: with a letter from an English instructor or a sponsoring company saying English is not your primary language, the bulletin says you "will be granted time and one-half to complete the examination."

Results and retakes

Your score is reported at the end of the exam and by email. A failing score report includes a diagnostic report of your strengths and weaknesses. The bulletin says "There is no limit to the number of times you may take an examination if you fail," but you cannot book a new appointment on the same day you took an exam.

Do I need a pre-licensing course in Pennsylvania?

Not under the current statute. 40 P.S. 310.4(a) says that before applying for a producer license you must pass the licensing exam for the lines you want. The pre-exam education rule that was in 310.4(b) was deleted by Act 142 of 2024, effective April 29, 2025.

Ready to practice? Try the free Life or Accident & Health practice test.