Arizona Life & Health Exam Overview
Key Takeaways
Arizona requires NO pre-licensing education, but you must get 70% correct on the 150-item PSI exam
PSI Services LLC administers the exam (test center or PSI Bridge remote); the exam fee is $59
Renewals are 4-year terms (a first license runs 3 to 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
Register with AZDPS, apply through NIPR within 12 months of passing, then complete Fieldprint fingerprinting after the application is submitted
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 for the Arizona-law questions on your exam and to operate legally as an Arizona producer.
About the Arizona L&H Exam
The Arizona Life, Accident and Health or Sickness insurance examination is administered by PSI Services LLC on behalf of the Arizona Department of Insurance and Financial Institutions (DIFI). The 150-item Series 13-33 exam mixes national life, annuity, and health content with Arizona law. PSI's candidate bulletin says you must get 70% correct to pass the examination; it does not describe separately scored general and state sections. Arizona law appears throughout the outline (for example, Insurance Regulation is 4% of the exam and includes A.R.S. Title 20 licensing and privacy rules).
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 multiple-choice items (PSI Series 13-33 outline) |
| Time Limit | 2 hours 30 minutes (150 minutes) |
| Passing Score | 70% correct on the exam |
| Question Format | Multiple choice, computer-based |
| Exam Fee | $59 per exam (paid to PSI at scheduling) |
| Results | Score shown on screen at the end; score report emailed |
Exam Tip: Arizona law is spread across the outline rather than isolated in one scored section, so drill Title 20 alongside the national content — that is exactly what this guide covers.
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 their weak areas; the emailed PSI score report for a failed exam includes a diagnostic report of strengths and weaknesses 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 a structured prep course or a disciplined self-study plan (aim for consistent 80%+ on practice exams) is the practical way to prepare.
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 the whole outline.
- Schedule with PSI — Register and pay the $59 exam fee; choose a PSI test center or PSI Bridge remote proctoring.
- Pass the exam — Get 70% correct on the exam. Bring a valid government-issued photo ID; your score is displayed on screen at the end.
- Apply through NIPR — First register on the AZDPS Public Service Portal (code INS-055.A) and pay the $22.44 FBI fee; NIPR asks for the DPS reference number. Then submit the resident producer application through the National Insurance Producer Registry (or on paper by mail) within 12 months of passing, pay the $120 license fee, and be at least 18 years old.
- Complete fingerprinting — After you submit the application, complete the Fieldprint appointment ($8.25); PSI's Arizona bulletin says not to complete the Fieldprint appointment until after the NIPR application is submitted.
- License issued — DIFI reviews the application and background results and issues the license with Life and Accident and Health or Sickness authority.
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 | First license 3 to 4 years, then 4-year renewals; 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.
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% correct on the exam |
| 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 70% correct passing standard as the logistics facts to lock in.
How does PSI score the Arizona Life, Accident and Health exam?
You need 70% correct on the exam as a whole
Separate general and Arizona-law sections must each reach 70%
Only the Arizona section is scored
A single combined score of 60% passes
What is the PSI exam fee for the Arizona insurance licensing exam?
$59
$33
$120
$200
What is the Arizona producer continuing education requirement?
48 hours every 4 years including 6 hours of ethics
24 hours every 2 years with no ethics requirement
40 hours every 2 years including 4 hours of ethics
30 hours every 3 years including 3 hours of ethics
Sections you finish are checked off in the contents.