200+ Free AZ Life & Health Practice Questions
Pass your Arizona Life & Health Insurance Exam exam on the first try — instant access, no signup required.
Choose Your Practice Session
Select how many questions you want to practice
Questions by Category
Key Facts: AZ Life & Health Exam
55%
First-Time Pass Rate
PSI/DIFI data
150 Q
Exam Questions
PSI Services
40 hrs
Pre-License Education
AZ DIFI requirement
48 hrs
CE Per Biennium
AZ DIFI (3 hrs ethics)
70%
Passing Score
AZ DIFI
$59
Exam Fee
PSI Services
Arizona's life and health insurance exam requires 40 hours of pre-licensing education before testing. The exam has 150 questions in 2.5 hours with a 70% passing score. Arizona is overseen by DIFI (Department of Insurance and Financial Institutions), requires 48 hours of continuing education biennially (including 3 hours ethics), and tests heavily on the Arizona Life and Health Insurance Guaranty Association, replacement regulations, annuity suitability, and long-term care partnership program.
About the AZ Life & Health Exam
The Arizona life and health insurance exam covers DIFI licensing requirements, the role of the Director of Insurance, 40-hour pre-licensing education requirement, 48-hour biennial CE requirement, replacement regulations, annuity suitability, Medicare Supplement, long-term care partnership program, and Arizona-specific unfair trade practices provisions.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$59 (Arizona Department of Insurance and Financial Institutions (DIFI) / PSI)
AZ Life & Health Exam Content Outline
AZ DIFI & Licensing
DIFI structure, Director of Insurance, 40-hour pre-licensing education, license types, appointment, CE (48 hrs/2 yrs with 3 hrs ethics)
AZ Life Insurance Laws
AZ life insurance provisions, 10-day free look, 30-day grace period, 2-year incontestability, replacement regulations, annuity suitability (20-day free look for seniors)
AZ Health Insurance Laws
AZ health policy requirements, 10-day free look, Medicare Supplement (30-day free look), long-term care partnership program, mental health parity
AZ Ethics & Practices
Unfair trade practices, misrepresentation, twisting, churning, rebating, Arizona Life and Health Insurance Guaranty Association ($300K life, $250K annuity, $500K health), DIFI penalties
How to Pass the AZ Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $59
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
AZ Life & Health Study Tips from Top Performers
Frequently Asked Questions
How many questions are on the Arizona life and health insurance exam?
The Arizona life and health insurance exam has 150 total questions covering both general insurance concepts and Arizona state-specific regulations. You have 2 hours and 30 minutes to complete the exam and need a score of 70% to pass. The exam fee is $59 and is administered by PSI Services.
Does Arizona require pre-license education for insurance?
Yes, Arizona requires 40 hours of state-approved pre-license education for the combined life and health insurance license. This education must cover life insurance, accident and health insurance, and Arizona insurance law. After obtaining your license, Arizona requires 48 hours of continuing education every two years, including 3 hours of ethics training.
What is the Arizona Life and Health Insurance Guaranty Association?
The Arizona Life and Health Insurance Guaranty Association protects policyholders when an insurance company becomes insolvent and is unable to pay claims. It provides coverage up to $300,000 for life insurance death benefits, $250,000 for annuity benefits, and $500,000 for health insurance benefits. Producers are prohibited from using guaranty association coverage as a sales inducement.
What are Arizona replacement regulations?
Arizona replacement regulations require insurance producers to provide a Notice Regarding Replacement of Life Insurance when an existing life insurance or annuity policy is being replaced. The replacing insurer must notify the existing insurer within 5 business days. Records of replacement transactions must be maintained for 3 years. The producer must leave the applicant with the notice and all sales materials used.
What are unfair trade practices under Arizona insurance law?
Arizona insurance law prohibits unfair trade practices including misrepresentation of policy terms, twisting (inducing replacement through misrepresentation), churning (generating commissions through unnecessary replacements), rebating (offering inducements not specified in the policy), false advertising, and unfair discrimination. DIFI enforces these provisions and can impose penalties including fines, license suspension, or license revocation.