Free AZ L&H Exam Prep
Arizona Life & Health Insurance
Prepare for the AZ L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
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Arizona Life & Health Insurance: Study Roadmap
Follow this path to organize your exam preparation
Arizona Licensing Requirements
Understand DIFI structure, Director authority, the no-pre-licensing rule, and the 48-hour CE requirement per four-year license term.
Life Insurance FundamentalsYou are here
Master life insurance provisions, free look, grace periods, incontestability, and policy provisions.
Health and Annuities
Study health policy requirements, Medicare Supplement, LTC partnership, and annuity suitability rules.
Arizona Ethics and Guaranty
Focus on unfair trade practices, Guaranty Fund limits, replacement regulations, and producer duties.
Timed Mixed Practice
Run timed mixed sets with deep rationale review to sharpen state-law scenario performance.
Can You Take the AZ L&H Exam?
Check if you meet the basic eligibility requirements
- •Pass the Arizona state licensing examination
- •After passing the exam, register with AZDPS ($22.44), apply through NIPR, then complete Fieldprint fingerprinting
- •Complete 48 hours CE per four-year license term (including at least 6 hours ethics)
AZ L&H Quick Facts
Time to Get Licensed
From start to license in hand
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Free AZ L&H Prep Tools
625+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Independent Study Resources
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What You'll Study
7 chapters covering the exam topics in this guide
Introduction: Arizona Life & Health Insurance Exam Overview
1 sections
Chapter 1: Arizona Insurance Regulation & Licensing
3 sections
Chapter 2: Arizona Life Insurance Laws
3 sections
Chapter 3: Arizona Health Insurance Laws
3 sections
Chapter 4: Arizona Insurance Ethics & Prohibited Practices
3 sections
Chapter 5: Arizona Annuity Regulations & Senior Protections
3 sections
Chapter 6: Arizona Group Insurance & Special Topics
3 sections
AZ L&H-Specific Topics Covered
AZ L&H Exam Details
Arizona Life & Health Insurance
Administered by Arizona Department of Insurance and Financial Institutions (DIFI)
Exam Content Breakdown
Based on the official Arizona Department of Insurance and Financial Institutions (DIFI) content outline
Licensing, state regulation, and Arizona insurance information and privacy protection (A.R.S. 20-2101 to 20-2122) (PSI Series 13-33 outline)
Federal rules that apply to life and health insurance
Methods of handling risk, insurable risk, insurer types, and legal interpretations affecting contracts
Insurable interest, uses of life insurance, premium factors, field and company underwriting, and policy delivery
Term, whole, universal, variable, indexed universal, specialized, and group life
Standard provisions, beneficiaries, settlement and nonforfeiture options, loans, dividends, riders, and exclusions
Annuity principles, immediate versus deferred annuities, payout options, products, and uses
Uniform required and optional provisions and other general provisions
Disability income and related coverages
Medical plan types and group contract features such as eligibility, conversion, and coordination of benefits
Group health eligibility, enrollment, and coverage rules
Medicare Parts A-D and enrollment periods, Medicare supplement standardized plans, and long-term care benefits
Taxation of premiums, dividends, settlements, surrenders and withdrawals, and consumer-driven health plans
What's Included
7 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
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What's Next After the AZ L&H?
After passing the AZ L&H, you can pursue these career paths
AZ L&H Exam FAQ
Official Arizona Department of Insurance and Financial Institutions (DIFI) Resources
Verify information with these official sources
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