AZ L&H
Arizona Life & Health Insurance License Exam
Arizona regulates Life & Health producer licensing through Arizona Department of Insurance and Financial Institutions (DIFI), with the exam delivered by PSI Services. The combined Life & Health exam has 150 questions with a 150 minutes time limit. Passing requires 70%. Arizona does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Arizona, covering national concepts plus Arizona statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
AZ L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Arizona Life & Health Insurance License Exam |
| Governing Body | Arizona Department of Insurance and Financial Institutions (DIFI) |
| Number of Questions | 150 |
| Time Limit | 150 minutes |
| Passing Score | 70% |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Arizona Department of Insurance and Financial Institutions (DIFI) official website ↗ |
AZ L&H Content Areas and Domains
Domain areas are sourced from the Arizona Department of Insurance and Financial Institutions (DIFI) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Arizona insurance law and regulations
How C3RT Helps You Pass the AZ L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the AZ L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real AZ L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample AZ L&H Practice Questions
Q1.In the state of Arizona, what is required before an insurer can change the investment policy of a separate account for a variable life insurance policy?
- The company can change it at any time.
- Approval from the insurance regulatory authority.Correct
- Only the policyholder's consent is needed.
- A majority vote from the policyholders.
Arizona law specifically requires approval from the insurance regulatory authority for changes to a separate account's investment policy. The other options are incorrect because they bypass state oversight or incorrectly place the burden of approval solely on the policyholder.
Q2.When reviewing the disclosure documents for a variable life insurance policy in Arizona, how many years of net investment returns for the separate account must be provided?
- Last 5 years
- The current year only
- Last 20 years
- Last 10 yearsCorrect
Arizona law specifically requires a statement of the net investment return for each of the last ten years. The other options do not meet the state-specific historical data requirement.
Q3.In the state of Arizona, which of the following is a valid reason for an insurer to cancel or nonrenew an individual disability insurance policy?
- The insured developed a chronic medical condition that increases risk.
- Failure to pay the required premiums.Correct
- The insurer's decision to change their underwriting guidelines.
- A request from the insured to terminate coverage early.
Arizona law specifically limits nonrenewal/cancellation reasons to a specific list including failure to pay premiums; health status is not a valid reason for nonrenewal in this context.
AZ L&H Frequently Asked Questions
What does AZ L&H stand for?
AZ L&H stands for Arizona Life & Health Insurance License Exam. It is administered by Arizona Department of Insurance and Financial Institutions (DIFI).
Who administers the AZ L&H?
The Arizona Life & Health Insurance License Exam (AZ L&H) is administered by Arizona Department of Insurance and Financial Institutions (DIFI). For official information, visit the Arizona Department of Insurance and Financial Institutions (DIFI) website.
How many questions is the AZ L&H?
The AZ L&H consists of 150 questions. Candidates are given 150 minutes to complete the exam.
What is the passing score for the AZ L&H?
The passing score for the AZ L&H is 70%, as set by Arizona Department of Insurance and Financial Institutions (DIFI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How many questions are on the Arizona Life & Health exam?
The Arizona combined Life & Health exam has 150 scored questions, a 150 minutes time limit. Passing requires 70%. It is delivered by PSI Services.
Does Arizona require prelicensing education for Life & Health?
No. Arizona does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Arizona Life & Health exam?
Arizona requires 70% on the Life & Health exam. Confirm the current standard with Arizona Department of Insurance and Financial Institutions (DIFI), since passing standards can change.
Is the Life & Health exam different in Arizona than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Arizona tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Arizona Department of Insurance and Financial Institutions (DIFI).
C3RT is a native iOS and macOS exam preparation platform covering the Arizona Life & Health Insurance License Exam (AZ L&H), a Insurance Licensing certification, administered by Arizona Department of Insurance and Financial Institutions (DIFI). C3RT is not affiliated with or endorsed by Arizona Department of Insurance and Financial Institutions (DIFI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Arizona Department of Insurance and Financial Institutions (DIFI) official website ↗ .