Key Takeaways
- Arizona does NOT require pre-licensing education, but exam prep courses are strongly recommended
- As of September 2025, PSI is the new exam vendor (transitioned from Pearson VUE)
- A 70% passing score is required; exam fee is $38 per line
- Arizona requires 48 hours of CE every 4 years including 6 hours of ethics
- License renewal date changed to December 31, 2026 for non-NMLS licensees
Arizona Life & Health Exam Overview
Welcome to OpenExamPrep's FREE Arizona Life & Health Insurance exam prep guide. This comprehensive resource covers Arizona-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam.
About the Arizona L&H Exam
The Arizona Life & Health insurance examination is administered by PSI Services LLC on behalf of the Arizona Department of Insurance and Financial Institutions (DIFI). The exam tests your knowledge of:
- Arizona insurance law and regulations (Arizona Revised Statutes Title 20)
- Life insurance principles and coverages
- Health insurance including major medical, disability, and LTC
- Annuities and retirement products
- Ethics and professional conduct
Important: New Exam Vendor for 2025-2026
Effective September 1, 2025, Arizona transitioned exam administration from Pearson VUE to PSI Services LLC. Key changes:
- PSI began accepting registrations on August 1, 2025
- Exam administrations through PSI started September 3, 2025
- Register at: test-takers.psiexams.com/anzins
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services LLC (as of Sept 2025) |
| Regulatory Authority | DIFI (Department of Insurance and Financial Institutions) |
| Time Limit | 120 minutes (2 hours) |
| Passing Score | 70% or higher |
| Question Format | Multiple choice |
| Test Delivery | Computer-based at testing centers |
| Results | Immediate |
| Exam Fee | $38 per line of authority |
Retake Policy
| Situation | Requirement |
|---|---|
| Failed Attempts 1-4 | Can retake within 1-year period |
| After 4th Failure | 1-year waiting period required |
Important: You have four attempts to pass an exam within a one-year period. After the fourth unsuccessful attempt, you must wait one year before retaking the exam.
Pre-Licensing Education Requirements
Arizona does NOT require pre-licensing education. However, exam prep courses dramatically improve pass rates.
| Requirement | Details |
|---|---|
| Total Hours | 0 hours required |
| Recommendation | Exam prep courses strongly recommended |
| Pass Rate Impact | Candidates with prep courses pass at higher rates |
Exam Tip: While not required, completing an exam preparation course gives you a significantly higher chance of passing your licensing exam on the first attempt, saving both time and money.
License Application Process
Step-by-Step Process
-
Prepare for the Exam
- Complete voluntary exam prep course (recommended)
- Study Arizona insurance regulations
- Focus on Arizona Revised Statutes Title 20
- Take practice exams until scoring 80%+
-
Complete Fingerprinting
- Arizona requires electronic fingerprints for all unlicensed applicants
- Use state-approved vendor: Fieldprint
- Schedule appointment at Fieldprint website
-
Schedule Your Exam
- Register with PSI at test-takers.psiexams.com/anzins
- Pay $38 exam fee per line
- Choose testing center location
-
Take the Exam
- Arrive with valid photo ID
- Complete exam within 120 minutes
- Pass with 70%+ score
- Results provided immediately
-
Apply for License
- Submit application through NIPR
- Within 1 year of passing exam
- Must be at least 18 years of age
- Pay license application fee
-
Receive License
- License issued by DIFI
- Valid until renewal date
- New renewal date: December 31, 2026
License Maintenance
Arizona has a unique 4-year CE cycle (not 2 years like most states).
| Requirement | Details |
|---|---|
| CE Hours | 48 hours every 4 years |
| Ethics Hours | 6 hours of the 48 must be ethics |
| License Term | 4 years |
| Renewal Date | Last day of birth month every 4 years |
| CE Passing Score | 70% on CE course exams |
Important 2026 Renewal Date Change
For licensees who do not use NMLS: the renewal date has been adjusted to December 31, 2026. You must renew by this date to maintain an active license.
Special Training Requirements
| Training Type | Requirement |
|---|---|
| Annuity Training | One-time 4-hour Annuity Best Interest course |
| Long-Term Care Initial | 8-hour one-time training before selling LTC |
| Long-Term Care Ongoing | 4 hours every 2 years |
| Flood Insurance | One-time 3-hour course for NFIP producers |
CE Restrictions and Rules
- Cannot take the same CE course more than once per renewal period
- Excess CE credits do NOT carry over to next period
- Must pass CE course exam with 70% or higher
CE Exemptions
Residents who have been continuously licensed in Arizona since January 1, 1995, AND have never held a nonresident license, AND have never been subject to a director's order for violations may be exempt from CE requirements.
Arizona DIFI Contact
| Resource | Details |
|---|---|
| Website | difi.az.gov |
| Address | 100 N 15th Avenue, Suite 261, Phoenix, AZ 85007 |
| Phone | 602-364-4457 |
| Licensing@azinsurance.gov |
What This Guide Covers
This FREE study guide focuses on Arizona state-specific content:
Chapter 1: Arizona Insurance Regulation & Licensing
- DIFI structure and authority
- Producer licensing requirements and continuing education
- Arizona Revised Statutes Title 20 overview
Chapter 2: Arizona Life Insurance Regulations
- Arizona-specific life insurance laws
- Policy requirements and consumer protections
- Arizona Life & Health Insurance Guaranty Association
Chapter 3: Arizona Health Insurance Regulations
- Health insurance requirements in Arizona
- Group and individual health coverage rules
- Arizona health insurance marketplace
Chapter 4: Arizona Ethics & Consumer Protection
- Fiduciary duties and professional conduct
- Prohibited practices and penalties
- Consumer complaint procedures
Chapter 5: Arizona Annuities & Retirement Products
- Annuity regulations and suitability
- Best interest standards
- Senior protection requirements
Chapter 6: Arizona Long-Term Care & Medicare
- LTC insurance requirements
- Medicare supplement regulations
- Partnership program details
Note: This guide covers ONLY Arizona state law. Complete the national Life & Health exam first for foundational knowledge.
Arizona Insurance Market Context
Key Arizona Insurance Facts
-
Large Retiree Population
- Significant Medicare supplement market
- High demand for LTC insurance
- Senior protection a priority
-
Growing Population
- Expanding insurance market
- Increased licensing opportunities
- Diverse demographic needs
-
Regulatory Approach
- DIFI combines insurance and financial regulation
- Consumer protection focus
- File-and-use rate regulation
Next Steps
Ready to begin? Here's your action plan:
- Consider exam prep course - Though not required, highly recommended
- Complete this FREE study guide - Read all 6 chapters
- Complete fingerprinting - Through Fieldprint
- Take chapter quizzes - Test your knowledge
- Register with PSI - Pay $38 exam fee per line
- Practice with full exams - Aim for consistent 80%+ scores
- Pass exam - With confidence!
Remember: This guide focuses on Arizona-specific content. Supplement with national L&H study materials for comprehensive preparation.
Let's get started with Chapter 1: Arizona Insurance Regulation & Licensing!
How many hours of pre-licensing education does Arizona require for a Life & Health license?
As of September 2025, which testing company administers Arizona insurance licensing exams?
How many hours of continuing education must Arizona insurance producers complete, and how often?
What is the exam fee for each line of authority in Arizona?