Pennsylvania Personal Lines Insurance License Exam — All Questions

Which agency issues resident personal lines insurance producer licenses in Pennsylvania?

• a.The Pennsylvania Insurance Department✓
• b.The Pennsylvania Bureau of Insurance Agents
• c.The Pennsylvania Department of Motor Vehicles
• d.The federal Department of Insurance

Insurance in Pennsylvania is regulated by the Pennsylvania Insurance Department, led by an appointed Insurance Commissioner. It licenses producers and companies, reviews rates and forms, and enforces the insurance code. There is no federal insurance department. Source: Pennsylvania Insurance Department (https://www.pa.gov/agencies/insurance).

After a producer is licensed in Pennsylvania, what generally must occur before transacting business for a specific insurer?

• a.The producer must first sell to at least five clients on a temporary permit
• b.The insurer must appoint the producer, with the appointment on file with the Pennsylvania Insurance Department✓
• c.Nothing further — the license alone authorizes sales for any insurer
• d.The producer must post a personal surety bond with the state treasurer

A license lets a person act as a producer, but to represent a particular company that insurer must appoint the producer, with the appointment filed with the Pennsylvania Insurance Department. A producer may hold appointments from several insurers at once. This follows the NAIC producer-licensing model Pennsylvania uses.

Which statement about continuing education (CE) for resident personal lines producers in Pennsylvania is correct?

• a.Passing the licensing exam permanently exempts a producer from all CE
• b.CE is required once, in the first year, and never again
• c.CE is optional and only recommended for new producers
• d.Resident producers must complete state-approved CE each renewal cycle to keep the license active; confirm the exact hours and ethics requirement with the Pennsylvania Insurance Department✓

Like other states, Pennsylvania requires resident producers to complete approved continuing education each renewal cycle, typically including an ethics component, before renewing. Because specific hour totals can change, verify the current CE requirement with the Pennsylvania Insurance Department (https://www.pa.gov/agencies/insurance).