Pennsylvania dropped its mandatory pre-licensing course in 2025. Your prep is your choice now — so choose one built for this exam, this state, and this year's outline.
Built by a professional educator. Reviewed by a licensed Pennsylvania producer before it ships. Every question maps to the current 16-03 outline and teaches you why the wrong answers were tempting.
Pass guarantee: if you don't pass, send your PSI score report and get a full refund.
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Act 142 of 2024 rewrote how Pennsylvanians get licensed. Three things worth knowing before you spend a dollar on study materials:
Since April 29, 2025, you no longer need a pre-licensing course to sit for the exam. You can register with PSI, study on your own terms, and test when you're ready.
Act 142 of 2024 (SB 1241), § 604-A(b) repealedWith no required coursework, the exam is the only knowledge check between you and a license — and its single biggest section (21%) is Pennsylvania statute law, not national material.
16-03 outline effective 3/1/2026, section 1.0Every attempt is $55, non-refundable. Prep that's aligned to the actual current outline is the cheapest insurance you'll ever buy.
PSI Candidate Information Booklet, eff. 1/22/2026A blueprint-weighted diagnostic finds your weak sections early, and every practice question sharpens that read. Explanations teach at the distractor level — why the wrong answer felt right — because that's where exams are lost.
Preview — design mockups, not the live productUnder PA's unfair trade practices rules, a producer who offers a client part of their commission as an inducement has committed:
Churning also involves commissions — but it's replacing policies to generate them. Sharing commission with a client is rebating. We'll re-ask this in 3 days.
An early read that sharpens as you practice. Exam in 12 days.
Life, Accident and Health (16-03)
$55 combined-line fee
Use service code 1KGBGJ — apply for licensure first, or your prints are destroyed and refiled at your cost
70% required, unlimited retakes
$55 fee + ~$12.50 service fee, within 1 year of passing
The 16-03 outline isn't the document it was a few years ago — weights moved, laws were swapped, whole topics were added. That's why studying from undated material is a gamble. Here's a sample of what changed, straight from the outlines:
| Section weights movedWhat you should study most shifted. | Insurance regulation |
| The annuity suitability law is differentStudy the old statute, miss the question. | |
| New mandated-benefit topicsThese didn't exist on older outlines. | Medical foods · Orally administered chemotherapy (Act 73 of 2016) · Mental health parity and addiction equity16-03 outline § 9.0 |
| Even the vocabulary changedSmall edits, real consequences on exam day. |
Mapped question-by-question to the 16-03 outline, with explanations that teach why each wrong answer was tempting — not just which letter was right.
The exam's largest section — Title 40, producer conduct, unfair trade practices — gets the depth national products skim. This is where first-time passes are won.
150 questions, 170-minute timer, weighted like the real blueprint, with an honest readiness score that sharpens as you practice.
Every step from scheduling with PSI to fingerprinting to your NIPR application — fees, codes, and deadlines, re-verified monthly with a dated stamp.
Take the exam. If you don't pass, send your PSI score report and we refund every cent. Simple as that.
Most candidates study three to eight weeks. Ninety days covers a retake with room to spare, and extensions are $9.99 if life happens.
No. Act 142 of 2024 repealed the 24-credit-hour pre-licensing requirement effective April 29, 2025. You apply to PSI, pass the exam, then apply for your license. (Continuing education still applies after you're licensed — including new ethics hours for everyone and flood hours for property & casualty licensees.)
If you take the 16-03 exam and don't pass, email us your PSI score report and we'll refund your full purchase. No completion requirements, no fine print about how many questions you answered.
A Pennsylvania-based professional educator builds the diagnostics, sequencing, and explanations — and every question is reviewed for accuracy by a licensed Pennsylvania insurance producer before it ships. We're not insurance advisors, and this product doesn't give insurance advice; it prepares you for one exam, well.
No, and be wary of anyone who says otherwise — using actual exam content violates exam security rules. Our questions are written from the public 16-03 outline, Pennsylvania statutes and regulations, and standard industry concepts, in the exam's style and difficulty.
This fall. The launch list gets first access and a launch-week discount.