Pennsylvania Life & Health Insurance License Course
Built for the 2026 PSI exam and updated for Act 1241. Pennsylvania no longer requires pre-licensing hours, but the exam still has a 70% pass bar with heavy state-specific content. Join the waitlist to be first in when the course opens.
Be first to know when our Pennsylvania Life & Health course launches.
We'll email you the moment enrollment opens — plus a launch-week discount for waitlist members.
What the course will cover
- Pennsylvania insurance statutes and Insurance Department regulations
- Act 1241 changes and the post–April 2025 licensing landscape
- Life insurance fundamentals: term, whole, universal, variable
- Annuities: fixed, variable, indexed — suitability rules
- Health insurance: individual, group, HMO, PPO, HSA-qualified plans
- Disability income and long-term care
- Medicare and supplemental coverage
- Federal regulation: ACA, HIPAA, COBRA, ERISA basics
- PSI exam strategy: pacing, question patterns, common traps
- Full-length PSI-style practice exams with score reports
What the Pennsylvania Life & Health exam covers
The Pennsylvania Life & Health insurance exam is administered by PSI Services. It is a single combined exam covering both life and health lines of authority, with a 70% passing score and a $43 per-attempt fee. Pennsylvania resident applicants no longer need pre-licensing hours to register — that requirement was eliminated by Act 1241 effective April 29, 2025.
The exam splits into a national portion and a Pennsylvania-specific portion. The national portion tests insurance fundamentals: types of life insurance (term, whole, universal, variable), annuity products and suitability, individual and group health plans, disability income, long-term care, Medicare, and federal regulations such as HIPAA, COBRA, and the ACA. Expect heavy emphasis on policy provisions, riders, taxation of benefits, and ethical sales practices.
The Pennsylvania-specific portion covers Title 40 of the Pennsylvania Consolidated Statutes, Pennsylvania Insurance Department regulations, producer licensing law (including Act 1241), commission and rebating rules, replacement requirements, the Pennsylvania Life and Health Insurance Guaranty Association, and continuing education obligations. This is the section that trips up candidates who study from generic national textbooks.
After passing, you'll complete IdentoGO fingerprinting using Pennsylvania service code 1KGBGJ, then submit your license application via NIPR for the $55 fee. The Pennsylvania Insurance Department typically issues licenses within a few weeks of a clean background check.