Arkansas life line
The Arkansas life insurance exam.
The Arkansas life insurance exam is 100 scored questions, about 10 unscored pretest questions, in 150 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 Arkansas outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Arkansas Life Producer Examination |
| Scored questions | 100 |
| Pretest questions | about 10 (unscored) |
| Time limit | 150 minutes |
| Passing score | 70 percent |
| Exam fee | $50 |
| Testing vendor | PSI Exams |
| Retake rules | You must pass within 90 days of your approval to test date, with at most 3 attempts in that window. If you fail 3 times or let the 90 days run out, you wait four weeks and repeat the whole approval to test application. PSI notes there is no lifetime limit on retakes, but your prelicensing completion record must stay valid. |
| Prelicensing education | required, from a provider your state insurance department lists |
Checked against PSI Exams' official materials. Specs change, so confirm them when you register.
How to get your Arkansas life insurance license
- 1
Meet the basics
Arkansas sets its own age, background check and application rules. The Arkansas insurance department lists them, so read them before you book.
- 2
Complete the required prelicensing education
Arkansas requires prelicensing education from a provider your state insurance department lists before you can test. Complete it with that provider, keep your completion record, then drill practice questions until the material sticks.
- 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 150 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 Arkansas 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 |
|---|---|---|
| General Knowledge Content Outline | 70 percent | 70 questions |
| Arkansas Specific Content Outline | 30 percent | 30 questions |
Free Arkansas practice questions
Original questions written to the Arkansas outline, the same bank our students drill. Tap a question to check the answer.
Question 1Under the federal National Do Not Call rules, what must a producer generally do before making telemarketing calls?
- A. Record every call and mail it to the buyer
- B. Get the commissioner's permission for each call
- C. Check the Do Not Call registry and avoid calling registered numbers
- D. Call only after 9 p.m. local time
Show the answer
Answer: C
Telemarketers must scrub their call lists against the National Do Not Call Registry and refrain from calling numbers listed there, absent an exception such as an established business relationship. Calling after 9 p.m. is actually restricted, not required. No per-call commissioner permission exists, and mailing recordings is not a rule.
National Do Not Call Registry (FTC Telemarketing Sales Rule)
Question 2Which of these is an example of transferring risk?
- A. Buying an insurance policy on a building
- B. Installing a fire alarm in a warehouse
- C. Choosing not to open a risky business
- D. Keeping cash reserves to cover possible losses
Show the answer
Answer: A
Transfer means shifting the financial burden of a loss to another party, which is exactly what buying insurance does. Installing an alarm is loss control (reduction). Choosing not to open the business is avoidance. Keeping reserves to pay for losses yourself is retention.
Question 3Which statement best distinguishes field underwriting from company underwriting?
- A. Both terms mean the same review done twice by the home office
- B. Field underwriting sets the final premium, while company underwriting only delivers the policy
- C. Field underwriting is performed by the guaranty association, while company underwriting is done by the state
- D. Field underwriting is done by the producer collecting information, while company underwriting is the insurer classifying the risk
Show the answer
Answer: D
The producer performs field underwriting by gathering accurate information; the insurer's underwriters then classify and rate the risk in company underwriting. The producer does not set the final premium. The guaranty association and the state do not perform underwriting. The two are different stages, not the same review repeated.
Question 4What feature makes universal life different from traditional whole life?
- A. It only lasts a set number of years
- B. It offers flexible premiums and an adjustable death benefit
- C. It has no cash value
- D. Its cash value is invested in the stock market
Show the answer
Answer: B
Universal life allows the policyowner to adjust premium payments and the death benefit within limits, giving flexibility whole life does not have. Universal life does build cash value. It is permanent, not term. Its cash value earns a declared interest rate rather than being invested directly in the market like variable products.
Question 5Under a life insurance policy, the incontestability clause generally means the insurer cannot contest the policy for misstatements after it has been in force for a stated period during the insured's lifetime, except for what reason?
- A. Failure to name a beneficiary
- B. Any minor error on the application
- C. Nonpayment of premium
- D. A missed medical exam
Show the answer
Answer: C
After the contestable period, the insurer generally cannot deny a claim for misstatements, but nonpayment of premium is always an exception because the policy simply lapses without payment. Minor errors, missing beneficiaries, and missed exams are not the standard exceptions.
Take the free Arkansas practice test, every question with the answer and the explanation
Arkansas exam FAQs
How many questions are on the Arkansas life insurance exam?
100 scored questions, plus about 10 unscored pretest questions mixed in, with 150 minutes on the clock.
What score passes the Arkansas exam?
You need 70 percent to pass.
How much does the Arkansas 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 Arkansas exam?
You must pass within 90 days of your approval to test date, with at most 3 attempts in that window. If you fail 3 times or let the 90 days run out, you wait four weeks and repeat the whole approval to test application. PSI notes there is no lifetime limit on retakes, but your prelicensing completion record must stay valid. 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 Arkansas require prelicensing education before the exam?
Yes. Arkansas requires prelicensing education from a provider your state insurance department lists before you can sit for the exam. We sell study materials and practice exams, not prelicensing education, so plan for both, the required education first, then practice here until the exam feels familiar.
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 Arkansas 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, 150 minutes), and a mastery map that shows what to study next.