AR P&C
Arkansas Property & Casualty Insurance License Exam
Arkansas regulates Property & Casualty producer licensing through Arkansas Insurance Department (AID), with the exam delivered by PSI Services LLC. The combined Property & Casualty exam has 150 questions with a 3.5 hours (210 minutes) time limit. Passing requires 70%. The exam fee is $50. Arkansas requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Property & Casualty practice content built specifically for Arkansas, covering national concepts plus Arkansas statute, producer duties, and ethics.
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AR P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | Arkansas Property & Casualty Insurance License Exam |
| Governing Body | Arkansas Insurance Department (AID) |
| Number of Questions | 150 |
| Time Limit | 3.5 hours (210 minutes) |
| Passing Score | 70% |
| Exam Fee | $50 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Arkansas Insurance Department (AID) official website ↗ |
AR P&C Content Areas and Domains
Domain areas are sourced from the Arkansas Insurance Department (AID) content outline.
Topics Covered
- ✓ Property insurance basics
- ✓ Homeowners and dwelling policies
- ✓ Personal and commercial auto
- ✓ Commercial package and general liability
- ✓ Workers compensation
- ✓ Inland and ocean marine
- ✓ Flood and specialty lines
- ✓ Arkansas insurance law and regulations
How C3RT Helps You Pass the AR P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the AR P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real AR P&C 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 AR P&C Practice Questions
Q1.Under Arkansas law, what is the requirement for a mortgagee who is reviewing an insurance binder provided by a borrower to protect property securing a loan?
- The lender has absolute discretion to reject any policy that does not meet their internal criteria.
- The lender must approve any policy regardless of the coverage limits or the quality of the insurer.
- Lenders can reject any policy if it does not include a specific endorsement naming them as primary loss payee.
- The lender may not unreasonably disapprove the insurance policy or binder provided by the borrower.Correct
Arkansas law specifically prohibits lenders from 'unreasonably' disapproving a borrower's insurance binder. The other options are incorrect because they either grant the lender too much power (absolute discretion) or suggest the lender must accept any policy regardless of its quality.
Q2.A mortgagee in Arkansas refuses to accept an insurance binder provided by a borrower for the property securing the loan. Which statement best describes the legality of this action?
- The lender has absolute discretion to reject any policy that does not meet their internal risk profile.
- The lender may only reject the binder if they can provide a reasonable justification for doing so.Correct
- Lenders are permitted to reject any policy regardless of the borrower's choice, provided the loan is secured by real estate.
- The lender must accept any binder provided by the borrower as long as it covers the full amount of the outstanding debt.
Arkansas law prohibits lenders from 'unreasonably' disapproving a binder, meaning they must have a valid reason for rejection. Distractors are incorrect because they either grant the lender too much power or suggest the lender has no power to reject at all.
Q3.In the state of Arkansas, what is the rule regarding a lender's ability to charge a borrower for processing an insurance binder required as security for a real estate loan?
- Lenders are prohibited from requiring a separate charge for handling the policy or binder.Correct
- Lenders are permitted to charge a reasonable handling fee for administrative costs.
- Separate charges are allowed only if the borrower requests a substitution of the insurer.
- Lenders may charge a fee as long as it is disclosed in the initial loan agreement.
Arkansas law specifically prohibits lenders from charging separate fees for handling insurance binders to prevent predatory practices. The other options incorrectly suggest that handling fees or substitution charges are permissible.
AR P&C Frequently Asked Questions
What does AR P&C stand for?
AR P&C stands for Arkansas Property & Casualty Insurance License Exam. It is administered by Arkansas Insurance Department (AID).
Who administers the AR P&C?
The Arkansas Property & Casualty Insurance License Exam (AR P&C) is administered by Arkansas Insurance Department (AID). For official information, visit the Arkansas Insurance Department (AID) website.
How many questions is the AR P&C?
The AR P&C consists of 150 questions. Candidates are given 3.5 hours (210 minutes) to complete the exam.
What is the passing score for the AR P&C?
The passing score for the AR P&C is 70%, as set by Arkansas Insurance Department (AID). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the AR P&C exam cost?
The AR P&C exam fee is $50. This fee is set by Arkansas Insurance Department (AID) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Arkansas Property & Casualty exam?
The Arkansas combined Property & Casualty exam has 150 scored questions, a 3.5 hours (210 minutes) time limit, a $50 exam fee. Passing requires 70%. It is delivered by PSI Services LLC.
Does Arkansas require prelicensing education for Property & Casualty?
Yes. Arkansas requires 40 hours of approved prelicensing education before you may sit the Property & Casualty exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through an Arkansas-approved provider.
What score do I need to pass the Arkansas Property & Casualty exam?
Arkansas requires 70% on the Property & Casualty exam. Confirm the current standard with Arkansas Insurance Department (AID), since passing standards can change.
Is the Property & Casualty exam different in Arkansas than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but Arkansas tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Arkansas Insurance Department (AID).
C3RT is a native iOS and macOS exam preparation platform covering the Arkansas Property & Casualty Insurance License Exam (AR P&C), a Insurance Licensing certification, administered by Arkansas Insurance Department (AID). C3RT is not affiliated with or endorsed by Arkansas Insurance Department (AID). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Arkansas Insurance Department (AID) official website ↗ .