Arizona Life & Health Insurance License Exam Guide (2026)
Arizona’s first-attempt pass rate of 52.9% (2024) makes it one of the tougher state exams. A major operational change: in September 2025 Arizona moved its exam program from Pearson VUE to PSI — any site still pointing you to Pearson VUE registration is out of date. Arizona requires no pre-licensing education.
Switched from Prometric to PSI in September 2025 — old registration instructions point to the wrong vendor.
At a glance
Verified against official sources as of 2026-09-02. Question formats and fees change — always confirm details in the current official candidate handbook (linked below) before scheduling.
Exam format, question counts and fees
| Exam | Scored | Unscored (pretest) | Time limit | Passing score | Fee |
|---|---|---|---|---|---|
| Life Insurance (Life-Only) | 100 | 5–10 unscored | 120 min | 70% | $50 |
| Accident & Health | 100 | 5–10 unscored | 120 min | 70% | $50 |
| Life, Accident & Health (Combined) | 150 | 5–10 unscored | 150 min | 70% | $59 |
Unscored pretest questions are mixed in with scored questions and are not identified. Where a state reports a scaled score, the passing value is not a percentage of questions answered correctly.
What the official 2024 pass-rate data says
In 2024, the first-attempt pass rate for Arizona insurance exams (all lines) was 52.9%.
Nationwide, the overall first-attempt pass rate for state insurance licensing exams was 59.4% in 2024 (all lines).
Pre-licensing education in Arizona
Arizona law does not mandate pre-licensing education for Life & Health lines (ARS Title 20 contains no PLE mandate; NIPR’s state requirements page confirms). You may register directly for the PSI exam. Combined with the below-average pass rate, Arizona is a pure practice-driven market.
If you fail: retake rules
A failed candidate may retest after as little as 2 days, but Arizona caps attempts at 4 within any 12-month period (ARS §20-284(H)) — a stricter limit than most states. Prepare accordingly before burning an attempt.
Total cost to get licensed
- Exam fee: $50 per single-line exam, $59 for the combined exam (PSI)
- License application: $120 per line
- Fingerprints: $30.69
Outdated numbers to watch out for
Some prep sites say: “Arizona uses Prometric / Pearson VUE”
Arizona switched to PSI in September 2025. Old registration instructions will send you to the wrong vendor.
Every figure on this page is drawn from the current official candidate handbook, content outline or state statute, with sources listed at the bottom. If a prep site disagrees with the official document, the official document wins.
Practice the national core — free
Roughly 70–80% of every state’s L&H exam is national content: policy types, contract law, annuities, tax treatment, Medicare, PPACA, LTC. Our national core question bank covers exactly that layer — 2,180 questions, every one free with a 3-part explanation, no account required. Arizona state-specific drills ship as we build each state’s question bank.
Try a national-core question right now
Free forever — click a question, answer it, and read the full 3-part explanation.
- Naming a trust as the beneficiary of a life insurance policy is beneficial because:Answer free →Beneficiaries·Difficulty 2/5·National content
- Why do insurance professionals usually discourage naming a minor child as the direct beneficiary …Answer free →Beneficiaries·Difficulty 2/5·National content
- A policyowner names three beneficiaries and specifies '40% to Maria, 35% to James, and 25% to a c…Answer free →Beneficiaries·Difficulty 1/5·National content
National-core practice domains
The nationally reusable layer of the Arizona exam — organized by official content domain.
Frequently asked questions
How many questions are on the Arizona life and health insurance exam?
Scored question counts by exam: Life Insurance (Life-Only) — 100 scored questions (plus 5–10 unscored); Accident & Health — 100 scored questions (plus 5–10 unscored); Life, Accident & Health (Combined) — 150 scored questions (plus 5–10 unscored). Unscored pretest questions may be mixed in and are not identified.
How long is the Arizona insurance licensing exam?
Time limits by exam: Life Insurance (Life-Only) — 120 minutes; Accident & Health — 120 minutes; Life, Accident & Health (Combined) — 150 minutes.
What score do you need to pass the Arizona exam?
Passing scores by exam: Life Insurance (Life-Only) — 70%; Accident & Health — 70%; Life, Accident & Health (Combined) — 70%. The figures come from the current official candidate handbook.
How much does the Arizona insurance exam cost?
Current exam fees: Life Insurance (Life-Only) — $50; Accident & Health — $50; Life, Accident & Health (Combined) — $59. Fees are paid at registration and are generally non-refundable.
Does Arizona require pre-licensing education for a life & health license?
No. Arizona law does not mandate pre-licensing education for Life & Health lines (ARS Title 20 contains no PLE mandate; NIPR’s state requirements page confirms). You may register directly for the PSI exam.
What happens if I fail the Arizona insurance exam?
A failed candidate may retest after as little as 2 days, but Arizona caps attempts at 4 within any 12-month period (ARS §20-284(H)) — a stricter limit than most states. See the retake section above for the full policy.
The optional $49 Exam Engine (one-time) adds unlimited randomized practice, full exam simulations, timed quizzes and a wrong-answer book around the national core plus California state law — other states’ drills ship as their banks are built.
Official sources for this page
- https://test-takers.psiexams.com/api/content/bulletin/12130
- https://proctor2.psionline.com/media/programs/AZINS/life1x.pdf
- https://proctor2.psionline.com/media/programs/AZINS/acchealsick1x.pdf
- https://proctor2.psionline.com/media/programs/AZINS/lifeacchealthsick2x.pdf
- https://difi.az.gov/producers
- https://nipr.com/licensing-center/state-requirements/arizona-resident-licensing-individual
This page is maintained by PassSprint. Data current as of 2026-09-02; report discrepancies to us and we will re-verify against the official document.
L&H exam guides by state
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