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Open free PA Life, Accident and Health prep resources ↗Exam facts & prep options
Pennsylvania Producer's Examination for Life, Accident and Health Insurance (Series 16-03)
Find the current format, timing, scoring, fees, eligibility, and testing options for PA Life, Accident and Health, with direct links to official sources.
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Questions150 items (multiple choice); unscored 'experimental' questions may also be administered within the same time limit
Testing time170 minutes
ScoringMinimum score of 70% required to pass
Exam feeUSD 55.00 examination fee (retake fee USD 55.00); fees are not refundable or transferable; an optional USD 8.00 cancellation protection fee is offered at scheduling
Prep options
Study resources for PA Life, Accident and Health
Independent prep
Courses and study resources
Exam overview
What to know before choosing your prep
- Who runs it
- PID
- Category
- Life & Health Insurance Licensing
- Current version
- Series 16-03 combined Life, Accident and Health examination; Candidate Information Bulletin effective 1/22/2026
- Where it applies
- US-PA, United States
- Exam languages
- English, Spanish, Chinese
- Score scale
- Percentage score; 70% minimum to pass
- Testing provider
- PSI
- Format
- Computer-based multiple-choice exam, delivered at PSI test centers (onsite) or via live online proctoring; one question on screen at a time with remaining minutes displayed
- Availability
- Year-round by appointment at PSI Pennsylvania test centers or via live remote proctoring; exam sessions are available at least 6 weeks in advance
- Results
- Score displayed on screen at the end of the examination and emailed in a score report; failing score reports include a diagnostic report of strengths and weaknesses by examination type
- Score validity
- License application must be submitted to the Department within one year of passing the exam (passing does not itself guarantee licensure)
- Remote testing
- Available
Exam structure
One 150-item combined-line exam across 13 domains with outline weights: Insurance Regulation (21%), General Insurance Concepts (7%), Life/Accident/Health Basics (14%), Types of Life Insurance Policies (8%), Life Policy Provisions/Options/Riders (13%), Annuities (9%), Individual A&H Policy Provisions (7%), Disability Income and Related Insurance (4%), Medical Plans (4%), Group Health Insurance (3%), Dental Insurance (1%), Health Insurance for Seniors and Special Needs Individuals (7%), Federal Tax Considerations for L&H Insurance (2%)
Where rules vary
Exam is the Pennsylvania state licensing examination for the combined Life, Accident and Health line of authority under the Pennsylvania Insurance Company Law (40 P.S.); passing it is required before applying to the Pennsylvania Insurance Department for a producer license
Eligibility
Complete a state-approved prelicensing education course and register via the Pennsylvania Insurance Department portal before scheduling (same requirements as the Property and Casualty line)
Retake policy
No limit on the number of attempts after failing; full USD 55.00 fee applies to each retake; candidates may retest as soon as the next business day after results post, depending on space availability