Arizona Life, Accident & Health Insurance License Practice Exam
Exam 13-33 follows a 150-question outline with a 2.5-hour limit, and you need 70% correct to pass. No pre-license education is required in Arizona.
Arizona Life, Accident & Health — Study by Topic
Focus on Arizona insurance law or drill national concepts. Arizona law is tested inside the same exam, not in a separately graded portion. Full 130-question practice exam available.
Life Insurance
Term, whole life, universal life, variable life, annuities, riders, nonforfeiture, beneficiaries, underwriting principles.
Health Insurance
Individual and group health, disability income, LTC, managed care, Medicare supplements, COBRA, ACA essentials.
Arizona State Law
DIFI authority, A.R.S. Title 20, producer licensing, 4-attempt limit, Fieldprint fingerprinting, 48-hr CE, unfair trade practices.
Policy Provisions
Contract law, insurable interest, beneficiaries, assignments, taxation, Social Security benefits, replacement regulations.
🌟 Full AZ Exam
130-question timed practice exam modeled on PSI Exam 13-33. The real exam follows a 150-question outline with a 2 hr 30 min limit and a 70% passing score.
About the Arizona Life & Health Insurance Exam
Arizona insurance producer exams are administered by PSI Services LLC for the Arizona Department of Insurance and Financial Institutions (DIFI). Arizona offers a Life exam (13-31), an Accident and Health or Sickness exam (13-32) and a combined Life, Accident and Health or Sickness exam (13-33). Arizona does not require pre-license education: you may prepare with any study materials you choose, then take the exam and apply for the license on NIPR.
The combined exam 13-33 follows a 150-question outline and allows 2.5 hours; the Life-only exam 13-31 follows a 100-question outline with a 2-hour limit. Arizona law is tested inside the same exam rather than in a separately scored state section, and PSI's bulletin states that you must get 70% correct to pass. Exam fees are $50 for 13-31 or 13-32 and $59 for the combined 13-33, and fingerprints are required for resident applicants.
Arizona Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| AZ — 1.0 Insurance Regulation | 6 (4%) | Arizona licensing, state regulation of producers, unfair practices and fraud, plus federal laws such as the ACA, GINA, Gramm-Leach-Bliley and Fair Credit Reporting Act |
| 2.0 General Insurance | 9 (6%) | Risk concepts, types of insurers, producer agency, contract law |
| 3.0 Life Insurance Basics | 18 (12%) | Insurable interest, personal and business uses, determining coverage amounts, premium factors, producer responsibilities, underwriting |
| 4.0 Life Insurance Policies | 15 (10%) | Term, whole life, universal, variable universal and indexed policies, specialized policies, group life |
| 5.0 Life Policy Provisions, Options & Riders | 15 (10%) | Standard provisions, beneficiaries, settlement and nonforfeiture options, loans, dividends, disability and accelerated benefit riders |
| 6.0 Annuities | 13–14 (9%) | Standard provisions, immediate and deferred annuities, payout options, fixed, indexed and market value adjusted products |
| 7.0 Federal Tax Considerations (Life & Annuities) | 6 (4%) | Taxation of life insurance and annuities, modified endowment contracts, IRAs, rollovers, Section 1035 exchanges |
| 8.0 Disability (A&H) Insurance Basics | 13–14 (9%) | Perils, types of benefits, classes of policies, limited policies, exclusions, producer duties, underwriting |
| 9.0 Individual Disability Policy General Provisions | 9 (6%) | Required and optional provisions, renewability |
| 10.0 Disability Income & Related Insurance | 6 (4%) | Qualifying for benefits, individual and group disability income, business disability, Social Security disability, workers' compensation |
| 11.0 Medical Plans | 9 (6%) | Plan types (HCSO, PPO, POS, indemnity), cost containment, eligibility, marketing |
| 12.0 Group Accident & Health | 9 (6%) | Group characteristics, eligible groups, large and small group rules, continuation and conversion |
| 13.0 Dental Insurance | 4–5 (3%) | Treatment types, indemnity and PPO plans, prepaid plans, benefit limits |
| AZ — 14.0 Senior Citizens & Special Needs | 12 (8%) | Medicare Parts A–D, Arizona Medicare supplement rules, AHCCCS, Arizona long-term care rules |
| 15.0 Federal Tax Considerations (A&H) | 4–5 (3%) | Tax treatment of personal and employer-paid health coverage, HRAs, FSAs, HSAs, MSAs |
Question counts are the Arizona content outline for exam 13-33 (150 questions, effective January 2020, published by Prometric, the prior exam vendor). Fractional counts are shown as ranges. PSI's current bulletin says 5 to 10 unscored experimental questions may appear and does not publish its own count, so confirm the outline with PSI before you test.
What Makes the Arizona Life & Health Exam Different
No pre-license course, but some training is required to sell certain products. Arizona does not require pre-license education to sit for the exam. Life producers who sell annuities must complete 4 hours of Arizona-approved annuity training, and accident and health producers who sell long-term care insurance must complete 8 hours of Arizona-approved training and then 4 hours every two years (PSI Arizona Candidate Information Bulletin).
There is no separately graded state portion. Arizona-specific material is concentrated in Insurance Regulation (about 6 questions) and in the senior citizen section, which covers Arizona Medicare supplement rules, AHCCCS (Arizona's Medicaid program) and Arizona long-term care rules. You are scored on the whole exam against the 70% standard.
Choose your exam carefully. Taking the combined 13-33 exam ($59) costs less than taking Life 13-31 and Accident and Health 13-32 separately ($50 each), but failing a multi-line exam counts as a failed attempt for each line.
Four attempts per line in 12 months. A.R.S. § 20-284(H) allows up to 4 attempts to pass an exam for a line of authority within a 12-month period. After the fourth failed attempt you must wait one year before retaking it. Retests cannot happen on the same day, and you cannot take an exam for a line you already hold (A.R.S. § 20-284(G)).
Fingerprints are part of the process. Resident applicants submit fingerprints electronically through Fieldprint, with $8.25 paid to Fieldprint and $22.44 to the Arizona Department of Public Safety for the FBI check. Fingerprints are not required when you add a line to an existing Arizona license, and the bulletin advises scheduling the Fieldprint appointment only after you submit your NIPR application.
Arizona CE is 48 hours. Resident producers complete 48 hours of Arizona-approved continuing education per license term, at least 6 of them in ethics. Excess credits do not carry over to the next license period.
Sample Arizona Life & Health Insurance Exam Questions
1. A candidate fails the Arizona Life, Accident and Health or Sickness exam four times within 12 months. What does Arizona law require next?
2. An Arizona resident producer renews a license after the expiration date but within the late renewal period. What additional fee does Arizona law add?
3. A new Arizona life producer plans to sell annuities. What does the PSI Arizona candidate bulletin say the producer must complete before selling them?
Study Tips for the Arizona Life & Health Exam
With 150 questions in 2.5 hours, you have about one minute per question, so practice pacing. The largest sections are Life Insurance Basics (about 18 questions), Life Insurance Policies and Policy Provisions (about 15 each), and Annuities and Disability Basics (about 13 to 14 each).
Arizona questions are fewer than in states with a separate state portion, but they matter: Insurance Regulation (about 6 questions) covers licensing, unfair practices and fraud, and the senior citizen section (about 12) includes Arizona Medicare supplement rules, AHCCCS and Arizona long-term care rules. Study these Arizona-specific topics directly, since most national prep materials skip them.
Looking at the other line? Try our Arizona Property & Casualty practice exam. National content is in our life and health practice exam, and our insurance license exam study guide covers strategy.
How to Get Your Arizona Life & Health Insurance License
There are four steps to get your Arizona insurance producer license for the Life and Accident and Health or Sickness lines.
Steps to Get Your Arizona Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Study (No Pre-License Course) | Arizona does not require pre-license education, and DIFI does not provide or endorse study materials. Use the exam content outline and Arizona Revised Statutes Title 20. Plan 4 hours of annuity training if you will sell annuities, or 8 hours of long-term care training if you will sell LTC. |
| 2. Pass the PSI Exam | Register with PSI at a test center or through online proctoring. The fee is $50 for Life (13-31) or Accident and Health (13-32), or $59 for the combined exam (13-33). You need 70% correct, with up to 4 attempts per line in 12 months. |
| 3. Apply & Get Fingerprinted | Apply on NIPR within one year of passing (you must be at least 18, and the application fee is $120 plus a NIPR fee). Residents then submit fingerprints electronically through Fieldprint, which cost $8.25 plus $22.44 for the FBI check. |
| 4. Renew & Complete CE | Renew through NIPR up to 90 days before expiration ($120; an extra $100 if late). Complete 48 hours of continuing education per license term, including at least 6 hours of ethics, unless you qualify for the long-standing licensee exemption. |
Arizona Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exams | Life 13-31, Accident and Health 13-32, or combined 13-33 |
| Pre-license education | None required |
| Minimum age | 18 |
| Exam | Combined 13-33: 150-question outline (Life 13-31: 100-question outline) |
| Time limit | 2.5 hours (combined); 2 hours (Life) |
| Passing score | 70% correct |
| Exam fee | $50 (13-31 or 13-32); $59 (13-33), paid to PSI |
| Retake limit | 4 attempts per line in 12 months, then wait one year |
| Application fee | $120 through NIPR, plus a NIPR processing fee |
| Fingerprints | Required for residents (Fieldprint $8.25 + $22.44 FBI/DPS fee) |
| Special training | 4 hours for annuity sales; 8 hours initial and 4 every two years for LTC sales |
| Continuing education | 48 hours per license term, at least 6 in ethics |
| Exam provider | PSI Services LLC |
| Licensing authority | Arizona Department of Insurance and Financial Institutions |
Verified against the PSI Arizona Candidate Information Bulletin (revised June 2026), Arizona exam content outlines, DIFI and NIPR licensing and renewal pages, and A.R.S. Title 20. Confirm current fees with PSI and DIFI before you apply.
Our free Arizona Life & Health practice exam covers national and Arizona content. You can also try the national life and health practice exam or the insurance license exam study guide.
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 — Arizona Life & Health Insurance Exam
How many questions are on the Arizona Life, Accident and Health exam?
The combined exam (13-33) follows a 150-question content outline and allows 2.5 hours. The Life-only exam (13-31) follows a 100-question outline with a 2-hour limit. PSI notes that 5 to 10 unscored experimental questions may be included.
What is the passing score for the Arizona insurance exam?
PSI's candidate bulletin states that you must get 70% correct to pass. Arizona law is tested within the same exam, not in a separately graded state section.
Does Arizona require pre-license education for Life and Health?
No. Arizona does not require pre-license education, and DIFI does not provide or endorse study materials. Producers who sell annuities need 4 hours of Arizona-approved annuity training, and those who sell long-term care need 8 hours of training.
How much does the Arizona insurance exam cost?
PSI charges $50 for the Life (13-31) or Accident and Health (13-32) exam and $59 for the combined Life, Accident and Health or Sickness exam (13-33). Fees are non-refundable and non-transferable.
How many times can I retake the Arizona insurance exam?
A.R.S. § 20-284(H) allows up to 4 attempts to pass an exam for a line within a 12-month period. After the fourth failed attempt you must wait one year. You cannot retest on the same day.
Are fingerprints required for an Arizona insurance license?
Yes for resident applicants, unless you are adding a line to an existing Arizona license. Fingerprints are submitted electronically through Fieldprint ($8.25 plus a $22.44 FBI/DPS fee).
How many continuing education hours does Arizona require?
Arizona resident producers must complete 48 hours of Arizona-approved continuing education per license term, including at least 6 hours of ethics. Excess credits do not carry over.
How much does an Arizona insurance license cost?
The application fee is $120 through NIPR plus a NIPR processing fee of about $5 to $7, and the renewal fee is also $120. A late renewal adds $100.