Arizona Insurance Exam Guides
Pick the license you're studying for. Each guide covers Arizona-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Arizona exam's state-law material, mapped.
Free study resource
What's actually tested on the Arizona exam — the state regulations, mapped
Every Arizona insurance exam reserves a block of questions for Arizona-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 105 facts from the TESTivity Arizona regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 13 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested**2 years** from date of issue, during the insured's lifetime — except for nonpayment of premium
- Grace period for individual life tested**30 days** (or, at the insurer's option, one month of not less than 30 days). **It does not vary by premium mode.**
- Window to reinstate a lapsed policy tested**3 years** from the date of premium default
- Max interest chargeable on reinstatement, if capped testedInterest on arrears *'at a rate not exceeding **six percent per annum compounded annually**'*
- Suicide exclusion period tested**2 years** maximum after issue or reinstatement. **But note: only 1 YEAR for an increase in the death benefit**, and then only as to the increase.
- Free look for annuities tested**10 days — and 30 days if the contract holder is 65 or older** on the date of application. The notice must appear on the first page of the contract AND on the application.
- Free look when a policy is being replaced tested**30 days** — for BOTH life policies and annuities — with *'an unconditional full refund of all premiums.'*
- Free look for long-term care tested**30 days** for long-term care, with the refund made within 30 days of receipt (ARS 20-1691.07). **30 days** for Medicare supplement.
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, extended term insurance
- Registrations required to sell variable products tested**Variable Life and Variable Annuity Products is a SEPARATE line of authority** in Arizona (no exam of its own — $49 fee). **You must first hold life producer authority.**
- Does the state regulate viatical/life settlements? tested**Yes — Arizona has a Life Settlements Act** (ARS Title 20, Chapter 19, beginning at ARS 20-3201). Arizona also issues a distinct **Life Settlement Broker** license (**$500** fee), which requires life producer authority.
- Viator's rescission window tested**15 days.** The owner may rescind *'on or before fifteen days after the date it is executed by all parties and the owner has received all required disclosures.'* The owner must repay all proceeds and premiums within the window. **If the insured dies during the window, the contract is deemed rescinded.** **Tolling:** if the provider fails to give written notice of the right of rescission, the period is tolled until **30 days after** notice is given.
- Has the state adopted the NAIC best interest standard? tested**YES — and it is in STATUTE, not a regulation.** *'The producer shall act in the best interest of the consumer… without placing the producer's or the insurer's financial interest ahead of the consumer's interest.'* All four obligations — **care, disclosure, conflict of interest, documentation**. Expressly **NOT** a fiduciary duty. **Effective 1 January 2021.**
Health 12 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? tested**YES — expanded to adults up to 133% FPL, beginning 1 January 2014** (the Medicaid Restoration Plan)
- Effective date of expansion, if expanded tested1 January 2014
- Agency administering Medicaid tested**AHCCCS — the Arizona Health Care Cost Containment System.** Pronounced 'access.'
- Federal marketplace or state-based exchange testedFederal marketplace (healthcare.gov) — Arizona has no state-based exchange
- Name of the state CHIP program tested**KidsCare**
- Clean-claim payment deadline, electronic tested**Adjudicate within 30 days** of receipt, and **pay the approved portion within 30 days after adjudication** — unless an express written contract sets another period
- Clean-claim payment deadline, paper tested**The same 30 days.** Arizona's definition of a 'clean claim' expressly covers *'a written or electronic claim.'*
- Does the state distinguish electronic vs paper claims? tested**NO — one uniform standard** for written and electronic claims alike
- Interest / penalty on late claim payment tested*'Interest on the claim at a rate that is equal to the legal rate'*, running from the date payment was due
- Is the IRO's external review decision binding on the plan? tested**YES — Arizona runs its own state external review, and the IRO decision BINDS.** *'The health care insurer shall provide any service or pay any claim determined to be covered and medically necessary by the independent review organization… without delay regardless of whether judicial review is sought.'* The Director assigns the IRO. The member has **4 months** to request review; the IRO decides in **21 days** (72 hours if expedited). The IRO **cannot** order payment for a benefit **excluded by contract**.
- Employer size at which federal COBRA applies tested20 or more employees
- Election period for state continuation testedN/A for continuation. The **conversion** right is elected with the first premium **within 31 days** of coverage terminating.
Auto 10 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault tested**Fault-based (tort). Arizona is NOT a no-fault state** — there is no PIP statute, and medical payments coverage is optional.
- Minimum bodily injury liability per person tested$25,000
- Minimum bodily injury liability per occurrence tested$50,000
- Minimum property damage liability tested$15,000
- The memorizable shorthand (e.g. 30/60/25) tested**25/50/15** — for policies **issued or renewed on or after 1 July 2020**
- Uninsured motorist: mandatory / must be offered & rejectable / not required tested**OPTIONAL — must be OFFERED, but it is not mandatory.** The statute's own heading calls it *'uninsured optional; underinsured optional.'* The insurer *'shall make available… and by written notice offer… and at the request of the named insured shall include'* the coverage, on a Director-approved form.
- Underinsured motorist status testedOptional, must be offered. **UM purchase floor is the 28-4009 limits; UIM has no stated statutory floor.**
- Personal injury protection status testedNot required — no PIP statute exists
- Contributory / pure comparative / modified comparative negligence tested**PURE COMPARATIVE FAULT — no percentage bar.** *'The claimant's action is not barred, but the full damages shall be reduced in proportion to the relative degree of the claimant's fault.'* The **only** bar is for a claimant who *'intentionally, wilfully or wantonly caused or contributed to'* the injury.
- Assigned risk / residual market plan for auto tested**Yes.** The Director *'shall approve a reasonable plan for the equitable apportionment among the companies of applicants… unable to procure the policies through ordinary methods,'* and **ALL authorized auto liability insurers must subscribe to and participate in it.**
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal tested**FOUR YEARS** — expiring on the **last day of your birth month**. A brand-new license runs between **three and four years**; every renewal thereafter is a full **four-year** term.
- What the renewal date keys off (flat term / birthday / birth year) tested**Last day of your birth month, every four years.** You may renew up to **90 days early** at nipr.com. **The Department may or may not remind you** — renewal is your responsibility.
- CE hours per renewal period, standard case tested**48 credit hours per four-year license period** — *'the licensee shall have completed during that license period at least forty-eight credit hours, including at least six credit hours of ethics training.'*
- CE hours if holding multiple license types (if different) testedStill 48 — the requirement does not increase with the number of lines held
- Ethics hours required per period tested**6 hours** of ethics training, within the 48
- Limits on who may provide CE credits tested**You may receive credit for a particular approved course only ONCE during a single license period.**
- Initial long-term care training requirement tested**8 hours** of Arizona-approved long-term care training BEFORE selling LTC, plus **4 hours during each two-year period** thereafter. A resident may apply LTC training hours toward the CE requirement. A nonresident may satisfy it with a substantially similar course from their home state.
- What happens if CE is not completed (fine / expiry / cancellation) tested**The license expires and you must cease acting under it.** For up to **one year** after expiration you may apply for a **'late renewal'** by meeting the renewal requirements and paying a **$100 late renewal fee** on top of the renewal fee.
- Late renewal / reinstatement tiers tested**Up to 1 year after expiration: late renewal, with a $100 late fee** on top of the renewal fee. You must stop acting under the license the moment it expires.
- Any CE exemption (e.g. long-service agents) tested**Nonresidents are NOT flatly exempt — Arizona applies reciprocity.** A nonresident submits proof of satisfying their HOME STATE's CE. If the home state does not reciprocate, they must use Arizona-approved providers. If the home state has no CE requirement at all, the nonresident is *'subject to the same continuing education requirements as a resident licensee.'* **Limited-line credit and crop licensees are exempt.** There is also a **grandfather exemption** for anyone continuously Arizona-licensed since **1 January 1995** who has never held a nonresident license elsewhere since and has never been subject to a Director's order.
Property 6 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) tested**OPEN COMPETITION — and this is Arizona's biggest P&C surprise.** Insurers *'shall file with the Director all rates… **within thirty days AFTER they become effective**.'* There is **no prior approval and no waiting period**. The governing law is ARS Title 20, Chapter 2, **Article 4.1 — 'Open Competition Rates and Rating Organizations.'**
- Is insurance credit scoring permitted in personal lines? tested**Permitted in personal lines** (auto and home), for underwriting and rating, but regulated.
- Does the state have a FAIR Plan? tested**No FAIR Plan.** Arizona has no residual property market. The only statutory mechanism is **voluntary apportionment agreements** among insurers, approved by the Director (ARS 20-395). Instead, **DIFI maintains a list of insurers willing to write in high-wildfire-risk areas.**
- Dominant catastrophe perils in the state tested**WILDFIRE above all** — DIFI states flatly that *'the predominant risk in Arizona is wildfire,'* in both forested and desert wildland-urban interface areas. Also **monsoon storms bringing high winds and hail**. **Flood is excluded** from homeowners policies and needs separate NFIP cover — and flood risk is **elevated on post-wildfire burn scars**.
- What license you must already hold to write surplus lines tested**Property producer or casualty producer authority.** And note the fee: **$1,000** for surplus lines broker authority on a new license (or $500 if added to a license with under two years to run).
- Is a diligent-effort search of the admitted market required first? testedYes
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association tested**Arizona Life and Disability Insurance Guaranty Fund** — note Arizona calls it a FUND, established *in the Department*, not an independent association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000
- Annuity benefit limit tested$250,000 present value (and $250,000 per structured settlement payee)
- Health benefit limit tested$500,000 for a health benefit plan (major medical); $300,000 for disability income; $300,000 for long-term care; $100,000 for other health coverages
- Aggregate per-individual cap, if any tested**$300,000 aggregate per individual** — except **$500,000** where health benefit plan benefits are involved. One owner of multiple non-group life policies: **$5,000,000**.
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC structure with tiered health limits
- Name of the P&C guaranty association tested**Arizona Property and Casualty Insurance Guaranty Fund**
- Per-claim cap testedThe Fund pays *'only that amount of each covered claim that is **more than one hundred dollars** and that is **less than three hundred thousand dollars**.'* So: **a $100 floor and a $300,000 cap.** Unearned premium: over $25, capped at $10,000. **Workers' compensation claims are exempt from these limits.**
- Is using the guaranty association as a sales inducement prohibited? tested**YES — expressly prohibited.** It is unlawful to make any sales material *'referring to the coverage or any of the provisions of chapter 3, article 6 or 7 of this title in connection with the sale or attempted sale of any policy of insurance.'*
Workers Comp 6 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? tested**Yes.** *'Employers shall secure workers' compensation.'*
- Employee count at which coverage is required tested**ONE employee — there is no numeric threshold.** Covered employers are *'every person who employs any workers or operatives regularly employed,'* and 'regularly employed' expressly *'includes all employments, whether continuous throughout the year, or for only a portion of the year.'*
- Agency administering workers' compensation tested**The Industrial Commission of Arizona (ICA)**
- Temporary total disability wage replacement rate tested**66⅔% of the average MONTHLY wage** — note that Arizona computes on a **monthly**, not weekly, basis. Plus a **$100 per month dependent allowance**.
- Deadline to file a claim tested**ONE YEAR** — *'no claim for compensation shall be valid or enforceable unless the claim is filed with the commission… in writing **within one year after the injury occurred or the right thereto accrued**.'* A **discovery rule** applies: time runs from when the injury becomes manifest, or when the claimant knows (or with reasonable diligence should know) they have sustained a compensable injury.
- Ways an employer may comply (insure / self-insure / group) testedSecure coverage through a licensed insurer, or qualify as a self-insurer
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Arizona **Department of Insurance and Financial Institutions (DIFI)**
- Title of the person who heads it testedDirector of DIFI
- How the commissioner is chosen: elected / appointed by governor / appointed by other body tested**appointed by the Governor** and serving at the Governor's pleasure
- Where the state's insurance law is codified tested**Arizona Revised Statutes (ARS) Title 20**, with rules in **Arizona Administrative Code Title 20, Chapter 6**
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — a conventional executive-branch department, though it now regulates **both insurance and financial institutions** after the 2020 consolidation
Cancellation 8 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested**60 days — for BOTH auto and homeowners.** After a policy has been in effect 60 days (or immediately, if it is a renewal), the insurer may cancel only on enumerated statutory grounds.
- Notice days to cancel a homeowners policy inside the initial window tested**5 days**, per DIFI: *'Insurers are only required to provide 5 days notice when canceling a policy.'* The same 5 days applies to nonpayment and to the other permitted grounds.
- Notice days to cancel a personal auto policy inside the initial window tested**10 days** for reasons **other than nonpayment**. The notice must state the **specific facts**, tell the insured of their right to complain to the Director within 10 days, notify them of **assigned-risk eligibility**, and address the unearned premium refund. **Non-compliance INVALIDATES the cancellation.**
- Notice days for cancellation for nonpayment tested**AUTO: a 7-day GRACE PERIOD** for any premium after the first. After the grace period the insurer sends notice, and *'the cancellation or nonrenewal is **effective on the date the notice is sent**'* — **there is no advance-notice requirement at all.**
- Notice days for cancellation for other permitted causes tested**10 days** (auto, non-nonpayment)
- Notice days required for nonrenewal tested**AUTO: 45 days** (for reasons other than nonpayment). **HOMEOWNERS: 30 days.**
- Must the reason be stated proactively, on request, or not at all? tested**YES — on both cancellation and nonrenewal, and for both lines.** Auto: the notice must state *'the specific facts that constitute the reasons,'* plus the insured's right to complain to the Director within 10 days. Homeowners: the notice must state *'the specific facts that constitute the reason the policy is not being renewed.'*
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) tested**Homeowners: a condition-of-premises nonrenewal gives the insured 30 DAYS TO CURE the condition — plus an additional 30 days on payment of premium.**
Licensing 25 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — Life (exam series 13-31, $38)
- Is there a standalone health license/exam? testedYes — Accident and Health or Sickness (13-32, $38)
- Is there a combined life+health license/exam? testedYes — a genuine combined **Life, Accident and Health or Sickness** exam (13-33, $49)
- Is there a personal lines license/exam? testedYes — Personal Lines (13-44, $38)
- Is P&C one combined license, or split into Property and Casualty? tested**BOTH** — Arizona offers a combined **Property and Casualty** exam (13-34, $49) AND separate **Property** (13-42) and **Casualty** (13-43) exams at $38 each
- Does the life license cover annuities? testedYes — but note that **Variable Life and Variable Annuity** is a separate line of authority requiring life producer authority first
- Does the P&C license already include personal lines authority? testedNo — Personal Lines is a separate line of authority
- Full list of exam-based agent license types testedLife · Accident and Health or Sickness · Property · Casualty · Personal Lines · Variable Life and Variable Annuity · plus Surplus Lines Broker, Adjuster, Bail Bond, Crop, Travel, and Life Settlement Broker
- Exam administrator (Prometric / PSI / Pearson VUE) testedPrometric — with the **ProProctor** online option
- Exam fee tested**$38** for a single-line exam (Life, A&H, Property, Casualty, Personal Lines); **$49** for a combined exam (Life/A&H 13-33, or P&C 13-34); $35 Surplus Lines
- License application fee tested**$120 per license class.** But note: **$1,000** for surplus lines broker authority, and **$500** for life settlement broker authority.
- Passing score tested70%
- Minimum age to be licensed tested18
- Is pre-licensing education required? tested**No — Arizona requires no pre-licensing education.** ARS 20-285(B) lists the complete set of findings the Director must make before issuing a license: age 18+, no grounds for denial under ARS 20-295, fees paid, and *'has successfully passed the examinations for the lines of authority for which the individual has applied.'* **There is no course requirement anywhere in it.**
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone. (But note the **product-specific training** requirements below — annuity and long-term care — which are a different thing and DO apply.)
- Fingerprints, state police report, or none tested**Fingerprints**, submitted with the license application, checked against **Arizona DPS (AZDPS)** and the **FBI**
- Who takes the prints / issues the report tested**Fieldprint** — arizona.fieldprint.com. The fingerprint code for ordinary insurance applicants is **INS-055.A**. Fee **$30.25** (includes the FBI fee).
- How long the background report stays valid tested$30.25 Fieldprint fee (electronic); $22 FBI processing fee if submitting a paper FD-258 card
- Deadline to apply after passing the exam tested**One year.** *'The Section must receive all required application materials, including the correct nonrefundable license fees, **within one year after you pass the exam**.'*
- How long a passed exam remains valid tested1 year from the date you pass
- Waiting period before retaking a failed exam tested**Four attempts per line of authority in a one-year period. After the FOURTH failure you are barred for a FULL YEAR.**
- Limit on number of attempts, if any tested4 attempts per line of authority per one-year period
- Notice required to reschedule/cancel without forfeiting the fee tested**48 hours.** Contact Prometric at least 48 hours before the appointment or you lose the fee. **Cancel, or fail to appear, and you forfeit the examination fee — exam fees are neither refundable nor transferable.**
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com). **All nonresident applicants must apply online through NIPR.**
- Are temporary licenses available? testedArizona lists **Temporary Producer** among its license classes ($120)