Arizona Life & Health Exam Overview
Key Takeaways
- Arizona requires NO pre-licensing education, but the combined exam scores the general and Arizona-law sections separately and you must pass both at 70%
- PSI Services LLC administers the exam (test center or PSI Bridge remote); the exam fee is $59
- The Arizona license term is 4 years, expiring the last day of the birth month
- CE is 48 hours every 4 years, including 6 hours of ethics — NOT a 2-year/24-hour cycle
- Fingerprinting through Fieldprint and application within 12 months of passing are required before licensure
Welcome to OpenExamPrep's FREE Arizona Life & Health Insurance exam prep guide. This Arizona-specific resource covers the state regulations, licensing logistics, and Arizona Revised Statutes (A.R.S.) Title 20 provisions you must know to pass the state-law portion of your exam and operate legally as an Arizona producer.
About the Arizona L&H Exam
The Arizona Life & Health (Life and Disability) insurance examination is administered by PSI Services LLC on behalf of the Arizona Department of Insurance and Financial Institutions (DIFI). The exam covers two scored content groups that are scored separately — you must pass both, and the two scores are NOT averaged:
- A general (national) section covering life insurance, annuities, health/disability insurance, and general insurance concepts.
- An Arizona state-law section covering A.R.S. Title 20, DIFI rules in the Arizona Administrative Code (Title 20, Chapter 6), licensing, and Arizona consumer protections.
Exam Structure (verify on the current PSI Candidate Information Bulletin)
| Exam Component | Detail |
|---|---|
| Testing Provider | PSI Services LLC |
| Regulatory Authority | DIFI (Department of Insurance and Financial Institutions) |
| Combined Life & Health questions | ~150 scored multiple-choice items |
| Time Limit | 2 hours 30 minutes (150 minutes) |
| Passing Score | 70% — required on EACH section separately |
| Question Format | Multiple choice, computer-based |
| Exam Fee | $59 per exam (paid to PSI at scheduling) |
| Results | Pass/fail reported immediately at the test center |
Exam Tip: Because each section is scored independently, a strong general-insurance score will not rescue a weak Arizona-law score. Treat Title 20 as its own subject — that is exactly what this guide drills.
Testing options
PSI offers both in-person test centers across Arizona and PSI Bridge remote online proctoring (take the exam from home with a webcam, microphone, valid government photo ID, and a quiet, private room). Remote candidates must pass a system check and follow strict environment rules; phones, notes, and second monitors are prohibited.
Retake policy
If you fail, you may re-register and retest after paying the exam fee again. Candidates should re-study the section(s) failed; PSI provides a diagnostic score report grouping performance by content area so you can target weak topics before retaking.
No pre-licensing education required
Arizona does NOT mandate pre-licensing classroom hours for a resident Life & Health producer license. You may sit for the exam without completing a state-approved course. That said, the combined exam is comprehensive, and candidates who complete a structured prep course (or a disciplined self-study plan reaching consistent 80%+ on practice exams) pass at materially higher rates.
Step-by-step path to an Arizona resident license
- Prepare — Study the general L&H material plus this Arizona Title 20 guide; aim for 80%+ on full-length practice exams covering both sections.
- Schedule with PSI — Register and pay the $59 exam fee; choose a PSI test center or PSI Bridge remote proctoring.
- Pass the exam — Score 70% on both the general and Arizona sections. Bring a valid government-issued photo ID; results are immediate.
- Complete fingerprinting — Arizona requires a fingerprint-based background check through the state's approved vendor (Fieldprint) for the DIFI clearance.
- Apply through NIPR — Submit the resident producer application (typically via the National Insurance Producer Registry) within 12 months of passing, pay the application fee (about $120), and be at least 18 years old.
- License issued — DIFI reviews the application and background results and issues the Life and Disability (Life & Health) license.
License term and continuing education at a glance
Arizona is unusual: most states renew on a 2-year cycle, but Arizona uses a 4-year license term and a 4-year CE cycle.
| Requirement | Arizona Rule |
|---|---|
| License term | 4 years; expires the last day of the licensee's birth month |
| CE required | 48 hours every 4 years for a major line of authority |
| Ethics within CE | 6 of the 48 hours must be ethics |
| Annuity training | One-time 4-hour annuity best-interest course before selling annuities |
| LTC training | One-time 8-hour course, then ongoing LTC CE to keep selling LTC |
Common trap: Older prep materials (and earlier drafts of this guide) listed a 2-year/24-hour cycle with no ethics requirement. That is incorrect for Arizona — confirm 4 years, 48 hours, 6 ethics.
What this guide covers
This guide is Arizona-only. Complete national Life & Health study first for the foundational concepts, then use these chapters for: DIFI structure and authority; producer licensing and CE; Arizona life policy provisions and the Guaranty Association; annuity suitability and replacement; Arizona health, Medicare Supplement, disability, and LTC rules; and Arizona unfair-trade-practice and consumer-protection law.
Arizona market context
Arizona's large retiree population drives heavy Medicare Supplement, annuity, and long-term care activity, so the exam emphasizes senior protections, suitability, and replacement rules. DIFI — which merged the former Department of Insurance with the Department of Financial Institutions in 2020 — takes a consumer-protection-forward posture, making market-conduct and suitability topics high-yield for the state section.
High-yield facts to lock in before test day
| Fact | Value |
|---|---|
| Pre-licensing education | Not required |
| Exam vendor | PSI Services LLC |
| Exam fee | $59 |
| Passing score | 70% on EACH section |
| License application fee | ~$120 (separate from exam fee) |
| License term | 4 years (last day of birth month) |
| CE | 48 hours / 4 years, incl. 6 ethics |
| Application deadline | Within 12 months of passing |
Treat the fee ($59 exam vs. ~$120 application), the 4-year/48-hour/6-ethics CE rule, and the separately scored 70% sections as the most commonly missed logistics facts.
How are the Arizona Life & Health exam sections scored?
What is the PSI exam fee for the Arizona insurance licensing exam?
What is the Arizona producer continuing education requirement?