Arkansas Life, Accident & Health Insurance License Practice Exam
Life + Health exams (~150 questions combined), 70% each section. ATT required before scheduling. 20-hr pre-licensing. ark.org background check. 90-day/3-attempt window. PSI Bridge available.
Arkansas Life, Accident & Health — Study by Topic
Drill Arkansas state law (ACA Title 23) or practice general L&H concepts. Life + Health exams combined (70% each section). ATT required before scheduling PSI exam. 20-hr pre-licensing required.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements, credit life (ACA §23-82).
Health & Accident
Individual/group health, disability income, LTC (8-hr initial + 4-hr refresher), Medicare supplement (A–N), COBRA, ACA, HMOs, dental, A&D, cancer/specified disease, critical illness.
Arkansas State Law
AID, Commissioner appointed, ATT system, 20-hr pre-licensing, ark.org background check, AR L&H Guaranty, unfair practices, CE 24 hrs + 3 ethics, $2.50/hr CE reporting, $90 renewal biennial.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA, ACA, coordination of benefits.
🌟 Full AR L&H Exam
150-question timed exam simulating Arkansas PSI Life + Health exams combined. 150 minutes. 70% each section. ATT required before scheduling. 20-hr pre-licensing. ark.org background check.
About the Arkansas Life, Accident & Health Insurance License Exam
To get your Arkansas Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70% each section. Exam fee: $50 per exam. Arkansas is regulated by the Arkansas Insurance Department (AID) under Arkansas Code Annotated Title 23. Visit insurance.arkansas.gov for official licensing information. ATT (Authorization to Test) required before scheduling. Apply via NIPR first; 90-day/3-attempt window (fail all 3: wait 4 weeks + restart); ark.org background check; $15 NIPR application fee (lowest portfolio); $2.50/hr CE reporting fee (highest portfolio); self-study CE requires proctor; Commissioner appointed.
Pre-licensing education in Arkansas: 20 hours per line (AID-approved). Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $90 biennial. CE must be completed before submitting your Arkansas renewal application. How to get licensed in Arkansas: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Arkansas producer license.
How to get a Arkansas Life & Health insurance license in 2026: The Arkansas Insurance Department (AID) (insurance.arkansas.gov) administers all producer licensing in Arkansas. Exam: PSI Services LLC, $50 per exam, 70% each section. Pre-licensing: 20 hours per line (AID-approved). Once licensed, maintain your Arkansas Life & Health license by completing 24 hours + 3 ethics biennial and paying the $90 biennial renewal. For questions contact the Arkansas Insurance Department (AID).
ATT system is #1 most-tested fact. Memorize the sequence: pre-licensing → NIPR application + ark.org background check → wait for ATT → schedule PSI → 90 days/3 attempts. Life exam: 60 general + 50 state. Health exam: 50 general + 30 state. ACA Title 23. AR L&H Guaranty §23-96. Annuity Best Interest required. LTC 8-hr initial + 4-hr refresher.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Arkansas Life, Accident & Health Exam
How do I get a Arkansas Life & Health insurance license?
To become a licensed Life & Health producer in Arkansas: (1) Complete any required pre-licensing education (20 hours per line (AID-approved)); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($50 per exam, 70% each section); (4) Apply for your Arkansas producer license. The Arkansas Insurance Department (AID) (insurance.arkansas.gov) oversees all insurance producer licensing in Arkansas.
What exam does Arkansas use for Life & Health insurance licensing?
Arkansas uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $50 per exam. Passing score: 70% each section. ATT (Authorization to Test) required before scheduling. Apply via NIPR first; 90-day/3-attempt window (fail all 3: wait 4 weeks + restart); ark.org background check; $15 NIPR application fee (lowest portfolio); $2.50/hr CE reporting fee (highest portfolio); self-study CE requires proctor; Commissioner appointed.
Does Arkansas require pre-licensing for Life & Health insurance?
20 hours per line (AID-approved). For official pre-licensing provider information, visit insurance.arkansas.gov.
What are Arkansas's CE requirements for Life & Health producers?
Arkansas requires: 24 hours + 3 ethics biennial. Renewal fee: $90 biennial. CE must be completed before submitting the renewal application. Contact the Arkansas Insurance Department (AID) at insurance.arkansas.gov for CE provider information.
What makes Arkansas unique for Life & Health insurance licensing?
ATT (Authorization to Test) required before scheduling. Apply via NIPR first; 90-day/3-attempt window (fail all 3: wait 4 weeks + restart); ark.org background check; $15 NIPR application fee (lowest portfolio); $2.50/hr CE reporting fee (highest portfolio); self-study CE requires proctor; Commissioner appointed.
Practice Exam Questions — Arkansas Life & Health
5 state-specific questions drawn from the Arkansas exam content outline. Correct answer highlighted in green.
Under Arkansas law, what is required BEFORE an insurance producer can schedule their PSI licensing exam?
- A valid pre-licensing certificate and scheduling directly with PSI
- An Authorization to Test (ATT) — candidates must first apply via NIPR, complete the ark.org background check, and receive the ATT email from PSI before scheduling
- A temporary license issued by the AID
- Proof of E&O insurance and a surety bond
How many attempts does an Arkansas candidate have to pass the PSI exam within the ATT window?
- Unlimited attempts within the 90-day window
- 3 attempts maximum within 90 days — fail all 3 or miss the window: mandatory 4-week wait and restart the entire process
- 5 attempts within 180 days
- 2 attempts, then a 30-day waiting period
How many hours of pre-licensing does Arkansas require per line of authority?
- None required
- 20 hours per line from an AID-approved provider; Certificate of Completion must be presented at the PSI test center; valid 2 years
- 60 hours for combined Life & Health
- 10 hours for the state law section only
What is the CE reporting fee per credit hour in Arkansas?
- $0.50/hr — the lowest in the portfolio
- $1.25/hr — same as Nevada
- $2.50/hr — the highest CE reporting fee in the portfolio
- $5.00/hr — capped at $50 maximum
Under Arkansas law, company appointments for all lines renew on what date each year?
- The last day of the producer's birth month
- June 1 annually. All Arkansas appointments for all lines renew June 1 each year, separate from the biennial producer license renewal
- January 1 annually
- The date the appointment was first filed