Prep RetentionInsurance Exam Prep

This practice exam is for people who already have insurance training or experience. It does not provide occupational training, does not lead to employment, a credential or an assessment, and does not replace occupational training.

Pennsylvania insurance license exam practice tests

Pennsylvania Life and Accident & Health producer exam prep, with the law behind every answer.

Built for the Pennsylvania Life and Accident & Health producer licenses, on the PSI outlines in effect from March 1, 2026: 100 scored questions on each exam, spread over the PSI content sections, with Pennsylvania law mixed into those sections. When you submit, each question shows why every choice is right or wrong and quotes the statute, regulation or source it comes from.

See the tools

Try the 15-question sample test

A submitted Pennsylvania law practice question with the correct answer marked, an explanation for each choice and the quoted Pennsylvania law it comes from.
The source box for that question: the quoted Pennsylvania law, its citation, and a link to read it.

100 question formatThe real exam: 100 scored questions, with Pennsylvania law mixed in

120 minexam time for each exam

70%minimum score to pass

$45PSI fee for each exam

Sources: PSI content outlines for the Life (16-01) and Accident and Health (16-02) exams (effective March 1, 2026) and the PSI Pennsylvania candidate information bulletin. Check them for current details.

Why Prep Retention

What makes Prep Retention different

Built for the Pennsylvania Life and Accident & Health exams around one idea: you should know exactly why every answer is right.

  • Built for the exam you will actually take

    Pennsylvania's exams follow PSI outlines in effect from March 1, 2026. Every practice exam here follows them: 100 questions with the same section weights as the real exam, and Pennsylvania law inside the sections the way PSI puts it there.

  • The law quoted in every answer

    Every paid question quotes the statute or source it comes from, with a link to read it yourself.

  • All four choices explained

    Some practice tests only tell you right or wrong. Here, every question explains why each choice is right or wrong, including every Pennsylvania law question.

  • Hear any question read aloud

    Every question and its answer choices can be read aloud with one tap in most browsers. Good for learning on the go or if you study better by listening.

  • One price, everything included

    $54.99 per exam or $79.99 for both. One-time payment, no subscription. All seven study tools come with every package. No higher tier to unlock more tools.

  • 180 days to study

    Your access lasts 180 days from the day you buy, so a slow start or a second try at the exam still fits inside your access.

  • Missed questions come back

    Questions you get wrong return on later days until you get them right in separate review sessions, so weak spots do not stay weak.

What you get

Seven study tools for the Pennsylvania Life and A&H exams

They work together: practice exams find your gaps, quizzes, flashcards and the study guide fill them, and the review queue brings back what you missed. Every screen below is the real Pennsylvania product.

Tool 01

Full-length exam simulators

Sit a complete practice exam before you sit the real one. 100 questions in the same section mix as the PSI content outline, with Pennsylvania law where PSI puts it. Timed to the real exam's 120 minutes, with no hints until you submit.

  • Section simulators for one PSI outline section at a time
  • A Pennsylvania law only practice mode, 50 questions per round. PSI says the exam includes Pennsylvania law. It is spread through the exam and you get one score, 70% to pass. These are those Pennsylvania law questions.
  • A weak-spot simulator built from your three weakest topics
  • Flag questions and change answers until you submit
  • Standard time, 1.5 times, 2 times or untimed
A Pennsylvania practice exam in progress: question 12 of 100, with a running timer and one choice selected.

Tool 02

Topic mini quizzes

Ten questions on one topic when you only have ten minutes. Every topic in the exam outline has its own quiz, from insurance regulation to health insurance for seniors. Untimed, with full explanations after you submit.

  • One quiz for every outline topic in your exam
  • Good for a lunch break or the train
  • Results feed your readiness and weak spots
The mini quiz list on the Pennsylvania dashboard, one card per PSI outline section of the Life exam, each with a Start quiz button.

Tool 03

Flashcards built from the question bank

Cards that come from the same sourced questions you practice. Each card shows the concept and a question on the front. Turn it over for the answer, a short reason and the source it comes from.

  • Built automatically for every topic, nothing to make yourself
  • Mark a card "I know this" or "Still learning"
  • Known cards move to the back of the deck, so you still see them again
A flashcard turned over, showing the answer, the reason and a quoted source passage.

Tool 04

Study guide with the quoted law

Every topic of the exam outline on one page, with the law behind it. The study guide is built from the same sourced questions: for each topic it lists the key concepts with the quoted statute, regulation or official source, its citation and a link to read it in full.

  • One guide for every outline section of your exam
  • Grouped by topic, each source listed once
  • Sits next to the flashcards on your dashboard
The study guide for the Insurance Regulation section: a key point with the quoted source, its citation and a link.

Tool 05

Due today review

The questions you missed come back until they stick. Miss a question in any practice test and it returns on a later day. It keeps coming back until you get it right in three separate review sessions.

  • Your dashboard says how many questions are due today
  • One click starts a short review session
  • Finished questions drop out on their own
The Due today panel showing missed questions ready for review and a Review now button.

Tool 06

Every question is directly sourced

It's the fastest way to make it stick: answer the question, then see exactly why, straight from the law.

See why each answer is right, and check the law yourself. After you submit, every question shows the correct answer, why each choice is right or wrong, and a quoted passage from the statute, regulation or official source, with a link to read it in full.

  • An explanation for all four choices, not just the right one
  • The quoted passage sits next to the answer it supports
  • Report a problem button on every question
A results card: the chosen answer marked Incorrect, the correct answer marked Correct, explanations for each choice and a source box with the quoted law.

Tool 07

Readiness tracking

Know which topics are holding you back. Your answers roll up into scores by topic and a readiness estimate weighted like the exam outline, compared with the 70% passing mark. It is an estimate from your practice, not a prediction of your real score.

  • Scores and status for every outline topic
  • Your weakest topics listed in order
  • A history of every test you have taken
The readiness panel showing a readiness percentage compared with the passing mark.

Pricing

Pick the Pennsylvania license you are going for

One-time payment. No subscription and no automatic renewal. 180 days of access. No other fees.

Life only

$54.99

One-time payment

Life Producer

For the Pennsylvania Life license: insurance regulation, life policies, provisions and riders, annuities and federal tax, with Pennsylvania law throughout.

See what is covered
Save $29.99 Both licenses

$79.99

$109.98 separately You save $29.99

One-time payment

Life + Accident & Health bundle

Both Pennsylvania exams, every section. $29.99 less than buying them one at a time.

See the bundle
Health only

$54.99

One-time payment

Accident and Health Producer

For the Pennsylvania A&H license: insurance regulation, health policy provisions, disability income, medical plans, group, dental and senior coverage, with Pennsylvania law throughout.

See what is covered

Free Pennsylvania practice tests and guides

Every question explains all four choices and quotes the law it comes from.

Pennsylvania exam FAQ

Questions about the Pennsylvania insurance exam

Short answers from PSI's Pennsylvania bulletin, outlines and test list, and the Pennsylvania statutes. Check them for current details.

How many questions are on the Pennsylvania Life and Accident & Health producer exams?

Each exam has 100 scored questions, spread over PSI's content sections by percentage. PSI says the exam includes Pennsylvania law. It is spread through the exam and you get one score, 70% to pass. PSI may also add 5 to 10 unscored experimental questions.

Source: PSI Life outline 16-01 (effective March 1, 2026), PSI Accident and Health outline 16-02, PSI Pennsylvania candidate information bulletin.

How long is the Pennsylvania insurance exam, and what score do I need?

Each exam is 120 minutes, and the bulletin says the time for the unscored questions is included. To pass you need a minimum score of 70%.

Source: PSI Life outline 16-01, PSI Pennsylvania candidate information bulletin.

How much does the Pennsylvania insurance exam cost?

The PSI fee is $45 for the Life exam and $45 for the Accident and Health exam ($55 for the combined Life, Accident and Health exam). Exam fees are not refundable or transferable. The resident producer license application fee is a separate $55.

Source: PSI Pennsylvania candidate information bulletin, 40 P.S. 310.5 (FindLaw).

Can I take the Pennsylvania insurance exam online from home?

Yes. PSI's bulletin says you 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.

Source: PSI Pennsylvania available tests.

Do I need a pre-licensing course for the Pennsylvania Life or Accident & Health exam?

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

Source: 40 P.S. 310.4 (FindLaw).

Are these real Pennsylvania exam questions?

No. Our practice questions are written by us and are not questions from the actual exam. Prep Retention is not affiliated with PSI or the Pennsylvania Insurance Department.

Good to know

Prep Retention is independent practice material. It is not affiliated with or endorsed by PSI or the Pennsylvania Insurance Department, it is exam review and practice material only, not a pre-licensing or approved course, and no certificate is issued. Our questions are written by us; they are not questions from the actual exam. We do not guarantee that you will pass. Results vary.

Exam details on this page are summaries for study purposes and may change. For official and current information about the exam, scheduling, fees and licensing requirements, check the Pennsylvania Insurance Department and the exam provider directly.

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