Arizona Insurance License
The Arizona insurance license exam, in plain numbers.
Everything below is specific to Arizona — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Arizona
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 130 | 91 | 70% | 39 |
| Life only | 100 | 70 | 70% | 30 |
| Health only | 100 | 70 | 70% | 30 |
Administered by PSI Services for the Arizona Department of Insurance and Financial Institutions. Time limit: approximately 2 hours 30 minutes. Roughly 33 of the scored questions (25%) come from Arizona law — the block national courses cover most lightly.
Prelicensing
Sources conflict. Older guidance describes 40 hours for a combined Life and Accident & Health license and 20 hours for a single line from a DIFI-licensed provider. Current 2026 guidance states Arizona does NOT require prelicensing education to sit the exam. Confirm with DIFI before relying on either.
Continuing education
48 hours every FOUR years including a minimum of 6 hours of ethics, per DIFI. This is a four-year cycle, not the two-year cycle used by almost every other state.
License term
4 years, expiring on the last day of the licensee's birth month
Regulator
The Arizona Department of Insurance and Financial Institutions oversees licensing, headed by a Director appointed by the Governor, leading a department covering financial institutions as well as insurance.
Arizona Life and Disability Insurance Guaranty Fund
If an insurer fails, these are the limits that apply to Arizona policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Arizona, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Arizona insurance exam questions, answered
How many questions are on the Arizona insurance license exam?
The combined life and health exam has 130 scored questions. You need 91 correct to pass at 70%, which means you can miss 39.
What is the passing score for the Arizona insurance exam?
70%. That works out to 91 correct answers out of 130 scored questions.
Who administers the Arizona insurance license exam?
PSI Services, on behalf of the Arizona Department of Insurance and Financial Institutions.
Does Arizona require prelicensing education?
Sources conflict. Older guidance describes 40 hours for a combined Life and Accident & Health license and 20 hours for a single line from a DIFI-licensed provider. Current 2026 guidance states Arizona does NOT require prelicensing education to sit the exam. Confirm with DIFI before relying on either.
How much continuing education does Arizona require?
48 hours every FOUR years including a minimum of 6 hours of ethics, per DIFI. This is a four-year cycle, not the two-year cycle used by almost every other state.
Is there a Arizona life-only or health-only exam?
Yes. Life only is 100 scored questions, 70 to pass, Health only is 100 scored questions, 70 to pass.
How much does a Arizona study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Arizona Department of Insurance and Financial Institutions.