Arizona life line
The Arizona life insurance exam.
The Arizona life insurance exam is 100 scored questions, in 120 minutes, passing at 70 percent, $50 per attempt, administered by PSI Exams. We sell study materials and practice exams for it, written from the official Arizona outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Arizona Examination for Life Insurance Producer, Series 13-31 |
| Scored questions | 100 |
| Pretest questions | not published |
| Time limit | 120 minutes |
| Passing score | 70 percent |
| Exam fee | $50 |
| Testing vendor | PSI Exams |
| Retake rules | You get at most 4 attempts per exam in a 12-month period. After failing a fourth attempt, you wait one year before retaking that exam. No short wait between the first 4 attempts is published, and failing a multi-line exam counts as a failure for each line. |
| Prelicensing education | not required for the life line |
Checked against PSI Exams' official materials. Specs change, so confirm them when you register.
How to get your Arizona life insurance license
- 1
Meet the basics
Arizona sets its own age, background check and application rules. The Arizona insurance department lists them, so read them before you book.
- 2
Study the exam outline
Arizona does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with PSI Exams
Register at PSI Exams, pick a test center or online proctoring where offered, and pay the $50 exam fee.
- 4
Pass the exam
Walk in knowing the format, 100 scored questions in 120 minutes, passing at 70 percent. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Arizona exam covers
From the official exam outline, each section's share of the exam and how many of the 100 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Insurance Regulation | 5 percent | 5 questions |
| Federal Laws and Regulations | 3 percent | 3 questions |
| General Insurance Concepts | 13 percent | 13 questions |
| Life Insurance Basics | 16 percent | 16 questions |
| Types of Life Insurance Policies | 18 percent | 18 questions |
| Life Insurance Policy Provisions, Options, and Riders | 28 percent | 28 questions |
| Annuities | 12 percent | 12 questions |
| Federal Tax Considerations for Life Insurance | 5 percent | 5 questions |
Free Arizona practice questions
Original questions written to the Arizona outline, the same bank our students drill. Tap a question to check the answer.
Question 1Which situation would most likely allow the Arizona Director to take disciplinary action against a producer's license?
- A. Providing false information on the license application
- B. Selling policies in more than one county
- C. Holding both a life and a health line of authority
- D. Earning high commissions in a single year
Show the answer
Answer: A
Providing false or fraudulent information on an application is grounds for disciplinary action, including denial, suspension, or revocation. Selling in multiple counties is normal and not a violation. High commissions alone are not misconduct. Holding multiple lines of authority is permitted and not a violation. The correct answer identifies dishonesty in the application as sanctionable conduct.
A.R.S. Title 20, Chapter 2, Article 3 (grounds for disciplinary action)
Question 2In Arizona, what is the main purpose of the Director of the Department of Insurance and Financial Institutions?
- A. To sell insurance policies on behalf of the state
- B. To administer and enforce the state's insurance laws
- C. To set the premium rates charged by every insurer
- D. To act as a licensed producer for state employees
Show the answer
Answer: B
The Director's job is to administer and enforce Arizona's insurance code, which includes licensing, examinations, and disciplinary action. The Director does not sell policies or act as a producer, since regulators must stay independent of the businesses they oversee. The Director does not personally set every insurer's rates; insurers file rates and the Department reviews them.
A.R.S. Title 20, Chapter 1 (Department of Insurance and Financial Institutions; Director's authority)
Question 3When Marcus applies for life insurance and the insurer plans to order an investigative consumer report about him, what does the FCRA require?
- A. The insurer must first pay Marcus a fee
- B. The insurer must cancel any other policies Marcus owns
- C. The insurer must get approval from the state guaranty association
- D. The insurer must give Marcus written notice that such a report may be requested
Show the answer
Answer: D
The FCRA requires that the applicant receive written notice that an investigative consumer report may be obtained. No fee is paid to the applicant. The guaranty association handles insolvent insurers, not report approvals. There is no requirement to cancel other policies.
Question 4Under the Telemarketing Sales Rule, during what hours may telemarketing calls generally be made to a consumer's residence?
- A. Between 7 a.m. and 10 p.m. local time of the person called
- B. Between 8 a.m. and 9 p.m. local time of the person called
- C. At any time as long as the number is not on the registry
- D. Between 9 a.m. and 5 p.m. local time of the caller
Show the answer
Answer: B
Telemarketing calls to residences are permitted only between 8 a.m. and 9 p.m. in the called party's local time. The window is not 9 to 5, and it is measured by the consumer's time zone, not the caller's. Even if a number is off the registry, the calling-hours restriction still applies. The 7 a.m. to 10 p.m. window is incorrect.
Question 5What is the main purpose of the federal Gramm-Leach-Bliley Act as it applies to insurance producers?
- A. To protect the privacy of consumers' nonpublic personal financial information
- B. To guarantee payment of claims when an insurer becomes insolvent
- C. To set the minimum death benefit on all life insurance policies
- D. To license insurance producers at the federal level
Show the answer
Answer: A
Gramm-Leach-Bliley (GLBA) is a federal privacy law. Its core aim is to protect the nonpublic personal financial information consumers share with financial institutions, including insurers and producers. Setting death benefits is a product matter, not a privacy law. Producer licensing is handled by the states, not GLBA. Paying claims after insolvency is the job of the state guaranty association, not GLBA.
Take the free Arizona practice test, every question with the answer and the explanation
Arizona exam FAQs
How many questions are on the Arizona life insurance exam?
100 scored questions, with 120 minutes on the clock.
What score passes the Arizona exam?
You need 70 percent to pass.
How much does the Arizona life insurance exam cost?
The exam fee is $50 per attempt, paid to PSI Exams. Licensing application and fingerprint fees are separate.
What happens if I fail the Arizona exam?
You get at most 4 attempts per exam in a 12-month period. After failing a fourth attempt, you wait one year before retaking that exam. No short wait between the first 4 attempts is published, and failing a multi-line exam counts as a failure for each line. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Arizona require prelicensing education before the exam?
No. Arizona does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Arizona exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (100 questions, 120 minutes), and a mastery map that shows what to study next.