Arizona Life and Health Insurance Exam

Life & Health Exam Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Arizona.

Who Grants a License: Licenses are granted by the Arizona Department of Insurance.

Qualifications to receive a License: General eligibility criteria include: 
Applying for the Producer Exam: Examinations are administered by Prometric, which provides a License Handbook and test content outlines. Exams can be scheduled online.

Test Information: Each major line examination is given in a multiple-choice format. The Life, Accident and Health or Sickness Exam Series 13-33 consists of 150 questions, and you will have 150 minutes to complete it. The following is an outline of major portions of the exam: 
  • Licensing and Regulation – 4%
  • General Insurance Concepts – 6%
  • Life and Accident and Health Insurance Basics – 12%
  • Types of Life Insurance Policies – 10%
  • Life Insurance Policy Provisions, Options and Riders – 10%
  • Annuities – 9%
  • Federal Tax Considerations for Life Insurance and Annuities – 4%
  • Disability Basics – 9% 
  • Disability Provisions – 6%
  • Disability Income and Insurance – 4%
  • Medical Plans – 6%
  • Group Accident and Health Insurance – 6%
  • Dental Insurance – 3%
  • Insurance for Senior Citizens – 8%
  • Federal Tax Considerations for Disability Insurance – 3%
Your score will be given to you immediately following completion of the exam. In order to pass, you must achieve a minimum score of 70%. If you do not pass, you’ll be notified of such, and will be provided information about how you performed on each area of the exam.

How to Apply for the License:  After passing the examination, Producer candidates can apply for a license by completing an application online. For licensing information, please contact:

Arizona Department of Insurance
Phoenix area or outside Arizona: 602.364.4457
Within Arizona but outside Phoenix: 877.660.0964
If applying on paper, mail or deliver your license application to:

Arizona Department of Insurance
Insurance Licensing Section
2910 N. 44th Street, Suite 210
Phoenix, AZ 85018-7269
License Renewal Requirements: Individual Producer licenses must be renewed every 4 years and there is a continuing education requirement.

Applicable Regulations: Life and health insurance agents in Arizona are regulated by the Arizona Department of Insurance.

For more information on life and health insurance agent licensing and exam preparation, go to’s Life and Health Insurance Exam Guide.

And take’s free Life and Health Insurance Agent Practice Test.

For life and health insurance agent exam preparation products, such as study guides, flashcards and courses, go to’s Life and Health Insurance Sales Exam listings.

Quality starts with who wrote the material.
Our practice exam writer
Susan Wright, MBA, CLU, RHU, REBC
 has worked in the insurance and financial services industry for over 20 years, where she has focused, in part, on producing training and educational materials. She has held roles at several large insurance and investment companies. Ms. Wright has been licensed as an insurance agent and an NASD/FINRA securities broker. She has earned nine industry professional designations, including: Chartered Life Underwriter, Registered Health Underwriter, Registered Employee Benefits Consultant, Certified Senior Advisor and Certified in Long-Term Care.

Noah Sobin is a licensed life insurance agent and insurance consultant who has worked as an agent for over ten years and as an insurance underwriter for five years. He has worked for Lincoln Financial Group and Prudential Financial. He earned his BA in Economics from Flordia State University.
Our practice exam covers life and health insurance exam subject areas that are common across the country and is not specific to any one state but rather applicable to all states. It covers all of the following areas which are typically covered in your actual state Life & Health Insurance examination:
  • General insurance
  • Insurance regulation
  • Life insurance basics
  • Life insurance policies
  • Life insurance policy provisions, options, and riders
  • Annuities
  • Federal tax considerations for life insurance and annuities
  • Qualified plans
  • Health Insurance basics
  • Individual health insurance policy general provisions
  • Disability income and related insurance
  • Medical plans
  • Health maintenance organizations
  • Group health insurance
  • Dental insurance
  • Insurance for special needs individuals and senior citizens
  • Federal tax considerations for health insurance