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Pennsylvania · State licensing

Pass the Pennsylvania Life & 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 answer: The Pennsylvania Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. Pennsylvania requires 24 hours of pre-licensing education before you can sit. The exam fee is $57 per attempt.

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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 Pennsylvania L&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.

What it costs to get licensed in Pennsylvania.

Plan for roughly $152–$187 in mandatory Pennsylvania state and vendor fees before any study materials, plus the cost of the required 24-hour pre-licensing course.

License application
$55
Exam fee
$57 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
24 hours required

A retake means paying the $57 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

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.