Arizona Life & Health Insurance Practice Test 2026
Practice the exam Arizona uses, from general life & health knowledge to Arizona's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Arizona's own insurance law.
150 scored questions, 2 hours 30 minutes allowed. The passing score is set by Arizona; check the candidate handbook.
Last verified September 2026 · Your Exam Content Outline
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About the Arizona Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Arizona Life & Health test
Arizona's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation4%
- General Insurance6%
- Life Insurance Basics12%
- Life Insurance Policies10%
- Life Insurance Policy Provisions, Options and Riders10%
- Annuities9%
- Federal Tax Considerations for Life Insurance and Annuities4%
- Disability (Accident and Health) Insurance Basics9%
- Individual Disability (Accident and Health) Insurance Policy General Provisions6%
- Disability Income and Related Insurance4%
- Medical Plans6%
- Group Accident and Health Insurance6%
- Dental Insurance3%
- Insurance for Senior Citizens and Special Needs Individuals8%
- Federal Tax Considerations for Disability (Accident and Health) Insurance3%
Source: Prometric Arizona Examination for Life, Accident and Health or Sickness Insurance Producer, Series 13-33, effective January 22, 2020 (150 questions, 2.5-hour limit; the Arizona Licensing Information Bulletin adds 5 unscored experimental items) (Arizona Examination for Life, Accident and Health or Sickness Insurance Producer (Series 13-33) - Your Exam Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Arizona exam
Arizona official sources
- Misrepresentations and false advertising of policiesAriz. Rev. Stat. s. 20-443 · Arizona State Legislature
- License denial, suspension, or revocation; civil penaltyAriz. Rev. Stat. s. 20-295 · Arizona State Legislature
- Unfair discrimination and rebatesAriz. Rev. Stat. ss. 20-448, 20-452 · Arizona State Legislature
- Standard life insurance policy provisionsAriz. Rev. Stat. ss. 20-1203 to 20-1210 · Arizona State Legislature
- Unfair Trade PracticesA.R.S. Title 20, Chapter 2, Article 2, Secs. 20-441 through 20-462 · Arizona State Legislature (azleg.gov)
- Prepaid Dental Plan Organizations and Related EntitiesArizona Revised Statutes Title 20, Secs. 20-1001 onward · Arizona State Legislature (azleg.gov)
- The Insurance ContractArizona Revised Statutes Title 20, Secs. 20-1101 onward · Arizona State Legislature (azleg.gov)
- Life Insurance Policy ProvisionsArizona Revised Statutes Title 20, Secs. 20-1201 onward · Arizona State Legislature (azleg.gov)
All Arizona insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Arizona provisions the questions on this page cite most often.
- A.R.S. § 20-448 · Unfair discrimination: accident and health insurance3 questions
- A.R.S. Title 20 § 20-12313 questions
- Ariz. Rev. Stat. § 20-295 · fraudulent, coercive or dishonest practices3 questions
- Ariz. Rev. Stat. § 20-443 · False statement of prior dividends3 questions
- Ariz. Rev. Stat. § 20-452 · Prohibited Inducements: customer feedback effort3 questions
- Ariz. Rev. Stat. § 20-489 · Violent Crime Control and Law Enforcement Act; Insurance Business; Rules3 questions
- A.R.S. § 20-441 · Purpose of Article; Congressional Intent2 questions
- A.R.S. § 20-443 · False disclosure of compensation2 questions
Exam figures on this page were checked against official pages: License fee. Confirm anything you rely on with the testing company and the Arizona Department of Insurance.