200+ Free Arkansas Life & Health Practice Questions

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Which state agency is responsible for regulating insurance companies and producers in Arkansas?

Arkansas Insurance Commission

Arkansas Insurance Department (AID)

Arkansas Bureau of Insurance Regulation

Arkansas Department of Finance, Insurance Division

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Key Facts: Arkansas Life & Health Exam

150

Exam Questions

Arkansas Insurance Department / PSI

150 min

Exam Time

PSI exam outline

70%

Passing Score

AR producer exam standard

$49

Exam Fee

Arkansas Insurance Department

24 hrs

CE per 2 Years

AR producer CE requirement

3 hrs

Ethics CE

AR ethics requirement

AID

Regulatory Body

Arkansas Insurance Department

Arkansas administers its Life & Health producer exam through PSI Services LLC with 150 questions in 150 minutes and a 70% passing standard. The exam covers national life and health concepts plus Arkansas law including AID regulation, producer licensing and CE requirements (24 hours biennially with 3 hours ethics), life insurance policy provisions, annuity products, health insurance including individual and group coverage, Medicare supplements, disability insurance, and unfair trade practices.

Sample Arkansas Life & Health Practice Questions

Try these sample questions to test your Arkansas Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which state agency is responsible for regulating insurance companies and producers in Arkansas?

A.Arkansas Insurance Commission

B.Arkansas Insurance Department (AID)

C.Arkansas Bureau of Insurance Regulation

D.Arkansas Department of Finance, Insurance Division

Explanation: The Arkansas Insurance Department (AID), headed by the Insurance Commissioner, is the state agency that regulates all insurance activities in Arkansas. The Commissioner is appointed by the Governor and serves a four-year term. The Department ensures insurer solvency, licenses producers, and protects consumers under Arkansas insurance law.

2What is the minimum number of pre-licensing education hours required for an Arkansas life insurance producer license?

A.10 hours

B.20 hours

C.40 hours

D.60 hours

Explanation: Arkansas requires 20 hours of pre-licensing education for a life insurance producer license. This education must be completed before taking the state licensing examination. The coursework covers life insurance products, policy provisions, state regulations, and ethical practices specific to Arkansas.

3What is the passing score for the Arkansas Life & Health Insurance licensing examination?

A.60%

B.65%

C.70%

D.75%

Explanation: The Arkansas Life & Health Insurance licensing examination requires a minimum passing score of 70%. The exam consists of 50 scored questions plus pretest questions, and candidates must correctly answer at least 35 questions to pass. The examination is administered by PSI Services.

4How many hours of continuing education must Arkansas insurance producers complete every two years?

A.12 hours

B.24 hours

C.30 hours

D.40 hours

Explanation: Arkansas insurance producers must complete 24 hours of continuing education every two-year licensing period. At least 3 of these hours must be in ethics training. Producers who sell long-term care insurance must also complete a one-time 8-hour training course plus 4 hours of ongoing LTC training each renewal period.

5What is the time limit for the Arkansas Life & Health Insurance licensing examination?

A.1 hour

B.1 hour and 30 minutes

C.2 hours

D.2 hours and 30 minutes

Explanation: The Arkansas Life & Health Insurance licensing examination allows candidates 2 hours (120 minutes) to complete all questions. This time allocation requires candidates to manage their time effectively, averaging approximately 2.4 minutes per question to complete all 50 scored questions.

6Which of the following entities administers the Arkansas insurance licensing examinations?

A.Arkansas Insurance Department directly

B.Prometric Testing Services

C.PSI Services

D.Pearson VUE

Explanation: PSI Services is the authorized testing vendor that administers Arkansas insurance licensing examinations. Candidates can schedule examinations at PSI testing centers or take online proctored exams. PSI also offers practice examinations for an additional fee to help candidates prepare.

7An Arkansas insurance producer's license remains valid for how many years before renewal is required?

A.1 year

B.2 years

C.3 years

D.4 years

Explanation: Arkansas insurance producer licenses are valid for a two-year period. Licenses expire on the last day of the producer's birth month in the renewal year. Producers must complete all continuing education requirements and pay renewal fees before the license expiration date to maintain continuous licensure.

8Under Arkansas law, which of the following would automatically disqualify an applicant from obtaining an insurance producer license?

A.Being at least 18 years old

B.A felony conviction involving dishonesty or breach of trust

C.Having a high school diploma only

D.Being a resident of a neighboring state

Explanation: Arkansas law prohibits licensing any person who has been convicted of a felony involving dishonesty, breach of trust, or money laundering. This is consistent with federal law under 18 U.S.C. 1033. Applicants must also pass a background check and demonstrate good moral character to qualify for licensure.

9What is the fee for the Arkansas Life & Health Insurance licensing examination?

A.$35

B.$49

C.$75

D.$100

Explanation: The fee for the Arkansas Life & Health Insurance licensing examination is $49 per exam. This fee is paid directly to PSI Services when scheduling the examination. If a candidate fails the exam, they must wait 24 hours before retaking it and pay the full examination fee again.

10How soon after failing the Arkansas licensing examination may a candidate retake the exam?

A.Immediately

B.24 hours

C.7 days

D.30 days

Explanation: Arkansas candidates who fail the licensing examination must wait 24 hours before retaking the exam. There is no limit on the number of times a candidate may retake the examination, but each attempt requires payment of the full examination fee and scheduling through PSI Services.

About the Arkansas Life & Health Exam

Arkansas's Life & Health producer exam combines national insurance content with Arkansas-specific regulation through the Arkansas Insurance Department (AID), covering life insurance, health insurance, annuities, Medicare supplements, group coverage, disability insurance, and producer licensing and ethics requirements.

Questions

150 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$49 (Arkansas Insurance Department (AID) / PSI Services LLC)

Arkansas Life & Health Exam Content Outline

30%

Life Insurance Products

Term, whole life, universal life, variable life, policy provisions, beneficiaries, settlement options, and nonforfeiture values

15%

Annuities

Fixed, variable, and indexed annuities, accumulation and annuitization phases, surrender charges, and suitability requirements

25%

Health Insurance Products

Individual and group health, Medicare, Medicare supplements, disability income, long-term care, and ACA marketplace plans

15%

Arkansas Insurance Law

Arkansas Insurance Department (AID) regulation, producer licensing, continuing education (24 hours/2 years with 3 hours ethics), appointment requirements, and unfair trade practices

15%

Ethics and Professional Conduct

Producer duties, unfair trade practices, privacy protection, replacement regulations, and professional responsibility

How to Pass the Arkansas Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $49

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

Arkansas Life & Health Study Tips from Top Performers

1Master Arkansas Insurance Department (AID) regulations and producer licensing requirements thoroughly

2Understand life insurance policy provisions including grace periods, incontestability clauses, and nonforfeiture options

3Study annuity products including fixed, variable, and indexed annuities with their suitability requirements

4Review health insurance fundamentals: individual vs. group, deductibles, copays, coinsurance, and out-of-pocket maximums

5Learn Medicare and Medicare supplement (Medigap) plan types and enrollment periods

6Master the 24-hour biennial CE requirement including 3 hours of ethics for Arkansas producers

7Practice at least 200 questions covering both national content and Arkansas-specific regulations

Frequently Asked Questions

How many questions are on the Arkansas Life and Health exam?

The Arkansas Life & Health producer exam contains approximately 150 questions covering both national insurance content and Arkansas-specific regulations. The exam is administered by PSI Services LLC.

How much time do you get for the Arkansas L&H exam?

The Arkansas Life & Health producer exam time limit is 150 minutes (2.5 hours). Candidates should pace themselves to complete all questions within the allotted time.

What continuing education is required for Arkansas producers?

Arkansas producers must complete 24 hours of continuing education every 2 years, including at least 3 hours of ethics training. License renewal is biennial based on the producer's birth month.

What topics should I prioritize for the Arkansas Life & Health exam?

Focus on AID regulations, life insurance products and policy provisions, annuity types and suitability, health insurance including individual and group coverage, Medicare and Medicare supplements, disability insurance, and Arkansas-specific unfair trade practices and consumer protection laws.

How much does the Arkansas Life & Health exam cost?

The Arkansas Life & Health exam fee is $49, which is paid to PSI Services LLC when scheduling your examination. Additional fees may apply for the license application and fingerprinting.