What This License Is
An Arizona Life, Accident & Health license lets you sell life insurance, annuities, accident, and health products to people and businesses in Arizona. It's issued by the Arizona Department of Insurance and Financial Institutions (DIFI) and is required before you solicit, negotiate, or sell any of those products in the state.
Because Arizona has no pre-licensing education requirement, the path is short: schedule and pass the PSI exam, get fingerprinted, and apply through NIPR. The catch is that the lack of a required course puts the entire burden of preparation on you.
Eligibility Requirements
You must be at least 18 and either maintain your principal residence in Arizona or have a legitimate business presence in the state. You do not need to be a U.S. citizen.
A criminal history doesn't automatically disqualify you, but felonies involving fraud, dishonesty, or breach of trust can lead to denial. Answer every background question honestly — misrepresentation is itself grounds for denial.
Exam Options & Format
PSI Services administers the Arizona exam — and this matters: Arizona switched to PSI from Prometric in recent years, so older guides online still send people to the wrong provider. Always confirm you're on the PSI Arizona portal before you pay.
Most people take the combined Life, Accident & Health exam: one exam, one license, all three lines. You can also test the lines separately, but that means two sessions and two fees with no savings.
Passing Score
You need 70% to pass. Your result appears on screen the moment you finish, and PSI reports it to DIFI within about 2 business days.
On practice tests, aim for 80% before you schedule — that buffer is the best predictor of a first-attempt pass, and it matters even more in Arizona where no course forces you to cover the material.
Keeping Your License Active
Important CE details: Verify hours/cycle on DIFI; CE periods and carry-over rules change.
Arizona requires continuing education each renewal cycle. Confirm the exact hours and cycle length on the DIFI site, since these change — and note that P&C and Personal Lines producers have an additional one-time NFIP flood course requirement that doesn't apply to Life & Health.
Quick Reference
Official Links
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