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Free Arizona Life & Health Exam Prep

Arizona Life, Accident, and Health Insurance

Pass your Arizona Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Your Study Path

Arizona Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

General Insurance Concepts

Start with foundational insurance principles: risk management, contract law, policy provisions, and underwriting basics. These concepts form the basis for all insurance products.

12
hours
Start this step
2

Life Insurance & AnnuitiesYou are here

Master life insurance products (term, whole, universal, variable), annuities (fixed, variable, indexed), policy provisions, beneficiaries, and Arizona replacement regulations.

18
hours
3

Accident & Health Products

Study medical expense insurance, individual and group health plans, disability income, long-term care, Medicare Supplement, and Arizona health insurance regulations.

15
hours
4

Arizona Laws & Regulations

Focus on Arizona-specific content: DIFI regulations, Arizona Revised Statutes Title 20, AZLHIGA guaranty association, unfair trade practices, and producer licensing requirements.

10
hours
Estimated total study time
55 hours
That's about 6 weeks at 10 hours/week

Can You Take the Arizona Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
18 years or older
Education
No pre-license education required (Arizona is one of few states without this requirement)
Background Check
Required - criminal background check
Fingerprinting
Required for license application
Additional Requirements
  • No pre-license education required in Arizona
  • 2025 Change: PSI replaced Prometric as exam vendor (September 2025)
  • Must pass state exam before applying for license
  • License application must be submitted within 12 months of passing exam
  • Must disclose any criminal history or regulatory actions
  • CE requirements: 24 hours per 2-year period (including 3 hours ethics)
Why Choose Us

Free Arizona Life & Health Prep That Actually Works

The official pass rate is ~65-70% (first attempt). Our students do better.

500+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

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What You'll Study

7 chapters covering everything you need to pass

Arizona Life & Health-Specific Topics Covered

Arizona Department of Insurance and Financial Institutions (DIFI) RegulationsArizona Revised Statutes Title 20 (Insurance)Arizona Life & Health Insurance Guaranty Fund (AZLHIGF)2025 Exam Vendor Change (PSI)Arizona Replacement RegulationsArizona Senior Consumer Protections (Annuity Suitability)Arizona Unfair Claims Settlement Practices ActArizona Medicare Supplement StandardsArizona Long-Term Care Partnership ProgramArizona Producer Licensing Requirements
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Arizona Life & Health Exam Details

Arizona Life, Accident, and Health Insurance

Administered by Arizona Department of Insurance and Financial Institutions (DIFI)

Official Source
70%
Passing Score
150
Questions
2
Hours
$55 exam fee + $30 application fee
Exam Fee
Study time: 40-60 hours
Prerequisites: No pre-license education required

Exam Content Breakdown

Based on the official Arizona Department of Insurance and Financial Institutions (DIFI) content outline

General Insurance Concepts22%

~33 questions: Risk management, contract law, policy provisions

Life Insurance Products24%

~36 questions: Term, whole, universal life, policy features

Annuities & Taxation12%

~18 questions: Annuity types, taxation, suitability requirements

Health Insurance Products20%

~30 questions: Medical expense, disability, LTC, Medicare Supplement

Group Insurance8%

~12 questions: Group life, group health, COBRA, HIPAA

Arizona Laws & Regulations14%

~21 questions: DIFI regulations, AZLHIGF, unfair practices, licensing

What's Included

7 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the Arizona Life & Health?

After passing the Arizona Life & Health, you can pursue these career paths

Arizona Life & Health Exam FAQ

Official Arizona Department of Insurance and Financial Institutions (DIFI) Resources

Verify information with these official sources

More Free Resources

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