Arkansas Insurance License
The Arkansas insurance license exam, in plain numbers.
Everything below is specific to Arkansas — 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 Arkansas
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 110 | 77 | 70% | 33 |
| Life only | 110 | 77 | 70% | 33 |
| Health only | 80 | 56 | 70% | 24 |
Administered by PSI Services for the Arkansas Insurance Department. Time limit: a 150-minute appointment per exam. Roughly 30 of the scored questions (27%) come from Arkansas law — the block national courses cover most lightly.
Prelicensing
20 hours per line of authority and 40 hours for a dual line. Applicants must possess a certificate of completion of prelicensing education BEFORE taking the licensing examination. The certificate is valid 2 years. Adjusters are exempt.
Continuing education
24 hours every two years including 3 hours of ethics. Producers selling long-term care must also complete a one-time 8-hour course plus 4 hours of ongoing training.
License term
2 years
Regulator
The Arkansas Insurance Department oversees licensing, headed by a Commissioner appointed by the Governor.
Arkansas Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Arkansas 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 | $300,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $500,000 |
| Annuity benefits (present value) | $300,000 |
The Study Guide
Written for Arkansas, 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.
Arkansas insurance exam questions, answered
How many questions are on the Arkansas insurance license exam?
The combined life and health exam has 110 scored questions. You need 77 correct to pass at 70%, which means you can miss 33.
What is the passing score for the Arkansas insurance exam?
70%. That works out to 77 correct answers out of 110 scored questions.
Who administers the Arkansas insurance license exam?
PSI Services, on behalf of the Arkansas Insurance Department.
Does Arkansas require prelicensing education?
20 hours per line of authority and 40 hours for a dual line. Applicants must possess a certificate of completion of prelicensing education BEFORE taking the licensing examination. The certificate is valid 2 years. Adjusters are exempt.
How much continuing education does Arkansas require?
24 hours every two years including 3 hours of ethics. Producers selling long-term care must also complete a one-time 8-hour course plus 4 hours of ongoing training.
Is there a Arkansas life-only or health-only exam?
Yes. Life only is 110 scored questions, 77 to pass, Health only is 80 scored questions, 56 to pass.
How much does a Arkansas 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 Arkansas Insurance Department.