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.
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