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Free AR L&H Exam Prep

Arkansas Life & Health Insurance Producer Exam

Prepare for the AR L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.

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Your Study Path

Arkansas Life & Health Insurance License: Complete Roadmap

Follow this path to organize your licensing and exam preparation

1

Life Insurance FundamentalsYou are here

Master term, whole life, universal life, policy provisions, and beneficiary designations.

15
hours
2

Health and Medicare

Study individual/group health, Medicare Parts A-D, Medicare supplements, and LTC insurance.

15
hours
3

Arkansas Insurance Law

Learn AID regulations, licensing requirements, free look periods, and unfair practices.

12
hours
4

Annuities and Ethics

Understand annuity types, suitability requirements, and professional conduct standards.

8
hours
Estimated total study time
50 hours
That's about 5 weeks at 10 hours/week

Can You Take the AR L&H Exam?

Check if you meet the basic eligibility requirements

Age
18 years or older
Education
20 hours pre-licensing education for each line of authority
Additional Requirements
  • Must complete pre-licensing education before sitting for exam
  • Background check and fingerprinting required
  • Apply for licensure through NIPR after passing exam
  • 24 hours continuing education every 2 years, including 3 hours ethics

AR L&H Quick Facts

Time to Get Licensed

3-6 weeks for most candidates

From start to license in hand

Exam Provider

PSI Services

Remote Testing Available
Schedule Your Exam

Retake Policy

24-hour waiting period before retaking failed exam. Full exam fee required for each attempt.

Total Cost Breakdown

Exam Fee$50 per exam
Application Fee$20 NIPR application fee
Fingerprint FeeBackground check fee (varies)
Total Estimated Cost$100-150 including pre-licensing education
Why Choose Us

Free AR L&H Prep Tools

Reported exam pass rate: 65-75% first-attempt pass rate. Check the exam sponsor for the latest official figure.

643+ Practice Questions

Practice by topic with detailed answer explanations

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

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What You'll Study

5 chapters covering the exam topics in this guide

AR L&H-Specific Topics Covered

Arkansas Insurance Department (AID) producer regulationArkansas free look periods (10 days life, 30 days Medicare supplement)Arkansas grace period requirements (30 days life, 10 days health monthly)Arkansas Life & Health Guaranty Association coverage limitsArkansas unfair trade practices and producer conduct rulesArkansas annuity suitability and senior protection requirementsArkansas long-term care insurance regulationsARKids First children's health insurance program

AR L&H Exam Details

Arkansas Life & Health Insurance Producer Exam

Administered by Arkansas Insurance Department (AID)

Official Source
70%
Passing Score
Life:
Questions
150
Minutes
$50 per exam
Exam Fee
Study time: 40-60 hours
Prerequisites: 20 hours pre-licensing education for Life, 20 hours for Health

Exam Content Breakdown

Based on the official Arkansas Insurance Department (AID) content outline

Life Insurance Products and Policies30%

Term, whole life, universal life, policy provisions, beneficiaries, and settlement options

Health Insurance Products25%

Individual and group health, Medicare, Medicare supplements, disability, and long-term care

Arkansas Insurance Laws and Regulations25%

Producer licensing, AID regulations, unfair practices, and guaranty association

Annuities and Ethical Practices20%

Annuity types, suitability requirements, and professional conduct

What's Included

5 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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AR L&H Exam FAQ

Official Arkansas Insurance Department (AID) Resources

Verify information with these official sources

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