Pennsylvania · State licensing
Pass the PennsylvaniaLife & Health insurance license exam.
Pennsylvania requires 24 hours per line and uses PSI. The combined L&H license consolidates both lines on one exam, typical path for new producers in the state.
Quick facts
- Testing vendor
- PSI
- Passing score
- 70%
- Pre-licensing hours
- 24h combined
- Application fee
- $55
- Exam fee
- $57 per attempt
- Combined exam length
- 150 Q · 180 min
Source: www.insurance.pa.gov. Confirm before you register, state schedules change.
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What's on the PennsylvaniaL&H exam.
The Pennsylvania L&H exam is administered by PSI after you finish a state-approved 24-hour pre-licensing course. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.
Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.
Pennsylvania exam FAQ.
- How many pre-licensing hours does Pennsylvania require?
- 24 hours per line for L&H, completed within 24 months of the exam.
- What's the PA L&H passing score?
- 70%.
- Does Pennsylvania offer remote-proctored exams?
- Yes, PSI offers both in-person and online remote-proctored options for most lines.
- What's the Pennsylvania license renewal cycle?
- Biennial. 24 CE hours every two years, including 3 hours of ethics.
Licensing in other states too?
Each state has its own vendor, hours, and fee schedule.