What This License Is
The Arizona Life, Accident & Health producer license combines three lines of authority — life, and accident & health or sickness — into the state's most popular starting credential. It's issued by the Arizona Department of Insurance and Financial Institutions (DIFI) and is required before you solicit, negotiate, or sell life insurance, annuities, or health products in the state.
Because Arizona requires no pre-licensing education, the path is short: pass the PSI exam, complete fingerprinting, and apply through NIPR — roughly $210 and often under three weeks end to end. The catch is that with no required course, the entire burden of preparation is on you, and the exam does not grade on a curve for the self-taught.
Two add-ons live adjacent to this license: variable products (a separate line of authority requiring this license first — no extra exam) and long-term care (8 hours of training before your first LTC sale).
Exam Options & Format
PSI Services administers all Arizona insurance exams — and this matters, because Arizona switched from Prometric to PSI and older guides online still send candidates to the wrong provider. The combined Life, Accident & Health exam is Series 13-33: 150 questions, 2 hours 30 minutes, $59 per attempt, 70% to pass.
You can instead test the lines separately — Life (13-31) and Accident & Health (13-32) at $50 each, 2 hours each. Two sittings, $100, and the same authority the combined exam grants in one morning for $59. The combined exam is the right answer for almost everyone; the single-line guides on this site cover the exceptions.
Choose a test center (all ten Arizona locations are listed in our Property guide) or PSI's live online proctoring (rules and tech requirements in the Health guide). Exam fees are non-refundable and non-transferable but stay valid for one year, and rescheduling costs nothing with at least 2 days' notice.
Most Tested Topics on the Arizona L&H Exam
The combined exam draws its Arizona-specific questions from both sides of the license. The single biggest cluster is the guaranty fund — partly because Arizona structures it unusually. From the TESTivity Arizona regulations curriculum, statute-verified:
| Concept | The Arizona rule |
|---|---|
| The safety net's name | The Arizona Life and Disability Insurance Guaranty Fund — Arizona calls it a fund established within the Department, not an independent association |
| Life death benefit | $300,000 per insured |
| Life cash value | $100,000 |
| Annuity | $250,000 present value (and $250,000 per structured-settlement payee) |
| Health limits (tiered) | $500,000 for a health benefit plan (major medical) · $300,000 disability income · $300,000 long-term care · $100,000 other health |
| Aggregate cap | $300,000 per individual — rising to $500,000 where major-medical benefits are involved; $5,000,000 for one owner of multiple non-group life policies |
| Sales inducement | Using the guaranty fund to sell is expressly prohibited |
| Replacement free look | 30 days — for both life policies and annuities — with an unconditional full refund |
| LTC & Medicare supplement free look | 30 days each |
| CE requirement | 48 hours per 4-year period, 6 in ethics |
The tiered health limits are the most-missed item in this table: candidates memorize a single guaranty number from national prep, but Arizona's answer depends on the product — $500K for major medical, $300K for disability income and LTC. If an exam question specifies the coverage type, that's the signal it wants the tiered figure.
The deeper line-specific material — life contract provisions (grace, reinstatement, suicide, free looks) and the health-side program names (AHCCCS, KidsCare) — is broken out with full tables on the standalone Life and Health guides, and both sets are fair game on the combined exam.
What to Expect on Exam Day
Knowing the material is most of the battle; knowing the room is the rest. Here's exam day at an Arizona PSI center, straight from the current candidate bulletin:
Arrive 30 minutes early. The window is for check-in, and it isn't padding — arrive late and you may not be admitted at all, with your fee forfeited. No-shows forfeit automatically.
Bring one government-issued photo ID. It must be current and carry your name, signature, and photograph — driver's license, state ID, passport, alien registration card, or U.S. military ID (military ID works at test centers, though not for online-proctored exams). The first and last name must match your registration exactly — a maiden name on the booking and a married name on the ID is a same-day problem you can't fix.
Expect a real security screening. Proctors may ask you to empty and turn out your pockets, lift sleeve ends and pant cuffs, and will inspect eyeglass frames. Everything else — phone, watch, notes, calculator, bulky clothing — goes into provided secure storage or back to your car. No scratch paper, no handheld calculators.
During the exam, you may leave the room only for the restroom, only with the proctor's permission, and the clock does not stop. Budget your 2½ hours accordingly: 150 questions works out to a full minute per question with time to review flagged ones.
The finish: your score appears on screen the moment you submit, and the score report is emailed. Pass, and the 12-month application clock starts (next steps: fingerprinting — stepped through in the Casualty guide — then the NIPR application, stepped through in the Life guide). Fail, and the report includes a topic-by-topic diagnostic; the retake rules and strategy live in the Personal Lines guide.
What It Costs
About $210 start to finish on a first-attempt pass: $59 to PSI for the combined exam, $30.69 for fingerprinting ($22.44 to DPS including the FBI fee, $8.25 to Fieldprint), and $120 to DIFI with the NIPR application. With no mandatory course, your only other cost is study materials — which, given four attempts per year at $59 each, is the line item worth spending on.
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 (ARS §20-285). U.S. citizenship is not required. A criminal history is not automatically disqualifying, but felonies involving fraud, dishonesty, or breach of trust can support denial — and because the fingerprint check reaches both DPS and FBI records, answering every background question honestly is non-negotiable: misrepresentation is itself a ground for denial.
Keeping Your License Active
Important CE details: At least 6 of the 48 hours must be ethics (ARS §20-2902). Annuity sales require Arizona's best-interest training; long-term care sales require 8 hours of LTC training up front plus 4 every two years.
Arizona producer licenses run four years, expiring on the last day of your birth month, with 48 CE hours including at least 6 of ethics per period (ARS §20-2902). L&H producers also carry the product-specific training rules — annuity best-interest training, and the 8-hour LTC training before selling long-term care. The complete renewal playbook (early renewal, the late window, the once-per-course rule) is in the P&C guide, and applies identically to this license.
Quick Reference
Official Links
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