If you want to sell life insurance, health insurance, disability income, annuities, Medicare-related products, or other accident and health products in Arizona, you will generally need an Arizona life and health insurance license.

Arizona’s official combined license/exam terminology is Life, Accident and Health or Sickness Insurance Producer, but many students and agencies simply call it the Arizona life and health license.

This guide walks you through the Arizona L&H licensing process step by step, including the PSI exam, application process, fees, fingerprints, renewal, continuing education, and exam prep strategy.

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The Arizona life and health insurance license is the license path for people who want to sell, solicit, or negotiate life insurance, accident and health insurance, sickness coverage, disability income, annuities, and related insurance products in Arizona.

In Arizona, insurance licensing is regulated by the Arizona Department of Insurance and Financial Institutions, often called DIFI. Arizona insurance licensing exams are administered by PSI, and resident individual license applications are commonly submitted through NIPR. NIPR lists Life, Accident and Health or Sickness as an exam-required line of authority for Arizona resident insurance producers.

The combined Arizona Life, Accident and Health or Sickness Insurance Producer exam is Series 13-33. The official PSI outline lists the exam as 150 items with a 2.5-hour time limit.

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Arizona Life and Health Insurance License Overview

The Arizona life and health license is commonly used by people who want to work in:

• Life insurance
• Term life insurance
• Whole life insurance
• Universal life insurance
• Variable life insurance, when properly licensed and appointed
• Annuities
• Disability income insurance
• Medical expense insurance
• Group health insurance
• Accident and sickness insurance
• Medicare-related products
• Long-term care insurance, with additional training requirements

Arizona’s official line is broader than the casual phrase “life and health.” The state refers to the combined authority as Life, Accident and Health or Sickness. That wording matters because it appears in exam outlines, NIPR licensing records, and state licensing materials.

For students, though, the practical question is simple: if you plan to sell both life insurance and health-related insurance products in Arizona, the combined L&H path is usually the most efficient route.

For a broad licensing overview, see Insurance Licensing in Arizona: Complete Guide to License Types and Requirements.

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Quick Facts About the Arizona L&H License

Topic	Arizona L&H Detail
Common name	Arizona life and health insurance license
Official combined line	Life, Accident and Health or Sickness
Regulator	Arizona Department of Insurance and Financial Institutions
Exam vendor	PSI
Exam series	13-33
Exam name	Arizona Examination for Life, Accident and Health or Sickness Insurance Producer
Exam length	150 items
Time limit	2.5 hours
Passing score	70%
Exam fee	$59 for the combined Life, Accident and Health or Sickness exam
License application platform	NIPR
Standard insurance producer license fee	$120
Fingerprints	Required for Arizona residents and relocating nonresidents, unless adding a line to an existing Arizona license
CE	Arizona resident insurance producers must complete 48 hours of Arizona-approved CE during the license term
Ethics CE	Arizona CE must include at least 6 hours of ethics training unless an exception applies

NIPR lists the Arizona Insurance Producer fee as $120 and identifies Life, Accident and Health or Sickness as an exam-required line of authority for resident producers. Arizona DIFI states that the nonrefundable license fee is $120 and that a $22 FBI fingerprint-processing fee applies if fingerprints are required. DIFI’s continuing education page states that Arizona residents must complete 48 hours of Arizona-approved insurance CE during the license term, including at least six hours of ethics training unless an exception applies.

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5 Steps to Get a Life and Health Insurance License in Arizona

Step 1: Confirm That You Need the Arizona L&H License

Before you study or schedule an exam, confirm that Life, Accident and Health or Sickness is the right license authority for the work you plan to do.

You may need this license if you plan to sell or discuss:

• Life insurance
• Health insurance
• Accident and sickness insurance
• Disability income insurance
• Group health coverage
• Medicare-related insurance products
• Annuities
• Long-term care insurance

Arizona’s resident licensing page lists Life, Accident and Health or Sickness as an exam-required line for Insurance Producers.

If you plan to sell property, auto, homeowners, liability, or commercial coverage instead, see How to Get a Property and Casualty Insurance License in Arizona.

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Step 2: Prepare for the Arizona Life and Health Exam

The Arizona L&H exam is based on PSI’s official exam content outline. This means your study plan should follow the outline, not a random stack of internet notes taped together like a desert raft.

The PSI outline for Series 13-33 includes:

• Insurance Regulation
• Federal Laws and Regulations
• General Insurance Concepts
• Life, Accident and Health Insurance Basics
• Life Insurance Policies
• Life Insurance Policy Provisions, Options, and Riders
• Annuities
• Federal Tax Considerations for Life Insurance and Annuities
• Accident and Health Insurance Basics
• Accident and Health Policy Provisions, Clauses, and Riders
• Disability Income and Related Insurance
• Medical Expense Insurance
• Medicare and Related Coverage
• Group Accident and Health Insurance
• Dental Insurance
• Insurance for Senior Citizens and Special Needs Individuals
• Federal Tax Considerations for Accident and Health Insurance

The official PSI outline lists Life, Accident and Health Insurance Basics as 17% of the exam, making it one of the largest early content sections. It also lists Insurance Regulation at 4%, Federal Laws and Regulations at 3%, and General Insurance Concepts at 7%.

Step 3: Schedule Your PSI Exam

Arizona insurance exams are administered by PSI. When you schedule, choose the correct exam:

Arizona Examination for Life, Accident and Health or Sickness Insurance Producer
Series 13-33

NIPR identifies PSI as Arizona’s insurance exam scheduling provider, and Arizona verifies exams before allowing submission of a resident individual application.

Before exam day, make sure the name on your exam registration matches your identification. A tiny name mismatch can become a giant bureaucratic tumbleweed.

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Step 4: Pass the Arizona L&H Exam

The Arizona Life, Accident and Health or Sickness Insurance Producer exam contains 150 items and has a 2.5-hour time limit.

The exam is broad. It does not only ask about life insurance. It also includes health insurance, accident and sickness concepts, policy provisions, annuities, tax treatment, Medicare-related coverage, disability income, group insurance, senior needs, state regulation, and federal laws.

The passing score for Arizona insurance licensing exams is 70%, according to Arizona candidate bulletin information used in the Arizona cluster research. The bulletin also says candidates may attempt an exam up to four times in a 12-month period before a waiting period applies.

That retake rule matters. The exam should not be your warm-up lap.

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Step 5: Apply for Your Arizona L&H License

After you pass the required exam, submit your resident insurance producer license application through NIPR.

NIPR lists the Arizona Insurance Producer state fee as $120 and notes that state fees do not include NIPR transaction fees. NIPR also states that applicants must apply only for license classes and lines of authority for which they qualify, and that Arizona cannot refund fees if an applicant applies for a license or line of authority they do not qualify for.

When applying, answer all background questions truthfully and completely. If supporting documentation is required, NIPR directs applicants to provide background question documentation through the NIPR Attachments Warehouse.

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Arizona Life and Health Exam Details

Exam Name

Arizona Examination for Life, Accident and Health or Sickness Insurance Producer

Exam Series

Series 13-33

Number of Items

150 items

Time Limit

2.5 hours

Exam Vendor

PSI

Application Platform

NIPR

The official PSI outline identifies the Arizona Life, Accident and Health or Sickness Insurance Producer exam as Series 13-33, with 150 items and a 2.5-hour testing window.

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What Is on the Arizona L&H Exam?

The Arizona L&H exam tests a mix of state law, federal law, general insurance principles, life insurance, annuities, health insurance, policy provisions, tax rules, and specialized coverage concepts.

Insurance Regulation

This section includes licensing, application requirements, exam attempts, lawful presence, types of licensees, producer regulation, business entities, surplus lines brokers, unfair trade practices, insurance fraud, privacy, claims practices, continuing education, and disciplinary actions. The PSI outline lists Insurance Regulation as 4% of the exam.

Federal Laws and Regulations

This section includes federal insurance-related laws and rules that may apply to life and health insurance activity. The PSI outline lists Federal Laws and Regulations as 3% of the exam.

General Insurance Concepts

This section covers risk, hazards, perils, types of insurers, producer authority, contract law, representations, warranties, misrepresentation, concealment, indemnity, insurable interest, and related insurance fundamentals. The PSI outline lists General Insurance Concepts as 7% of the exam.

Life, Accident and Health Insurance Basics

This is the largest early exam category. It includes foundational life and health insurance concepts such as types of policies, parties to a contract, underwriting, insurable interest, beneficiary designations, policy delivery, and major product characteristics. The PSI outline lists Life, Accident and Health Insurance Basics as 17% of the exam.

Life Insurance Policies

This section may include term life, whole life, universal life, variable life, group life, policy uses, policy features, and how life insurance products are structured.

Life Policy Provisions, Options, and Riders

This section often trips up students because the terms sound similar but behave differently. Expect topics such as grace periods, reinstatement, incontestability, misstatement of age, beneficiary changes, settlement options, nonforfeiture options, policy loans, waiver riders, accidental death riders, and other common life policy provisions.

Annuities

Annuities are one of the classic L&H trouble zones. Students need to understand accumulation, annuitization, payout options, immediate versus deferred annuities, fixed versus variable annuities, indexed annuities, surrender charges, tax treatment, suitability concepts, and producer responsibilities.

Federal Tax Considerations for Life Insurance and Annuities

The exam can test taxation of premiums, death benefits, dividends, policy loans, cash value withdrawals, annuity payments, surrender, and qualified versus nonqualified arrangements.

Accident and Health Insurance Basics

This section may include accident-only coverage, sickness coverage, disability income, medical expense policies, limited policies, group health, underwriting, renewability, exclusions, coordination of benefits, and related concepts.

Health Policy Provisions, Clauses, and Riders

This section includes required and optional health policy provisions, grace periods, reinstatement, claims procedures, time limits, physical exam and autopsy provisions, change of beneficiary, legal actions, misstatement of age, and policy renewability.

Disability Income, Medical Expense, Medicare, and Senior Needs

Students should be prepared for disability income insurance, elimination periods, benefit periods, occupational versus nonoccupational coverage, major medical concepts, deductibles, copayments, coinsurance, Medicare-related coverage, long-term care concepts, and special needs insurance topics.

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Arizona L&H License Fees

Here are the main costs Arizona L&H candidates should plan for.

Cost Item	Amount
Arizona Life, Accident and Health or Sickness exam fee	$59
Arizona Insurance Producer application fee	$120
FBI fingerprint processing fee, if fingerprints are required	$22
NIPR transaction fee	Additional NIPR fee may apply
Study materials	Varies by provider
Renewal fee	Check current Arizona/NIPR renewal fee at time of renewal
Late renewal	Available for up to one year after expiration, subject to Arizona rules and fees

Arizona DIFI states that the nonrefundable license fee is $120, plus a $22 FBI fingerprint processing fee if fingerprints are required. NIPR also lists the Arizona Insurance Producer fee as $120 and notes that NIPR transaction fees are not included in state fees.

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Fingerprints and Background Check Requirements

Arizona requires fingerprints for many resident insurance license applicants. DIFI’s licensing page states that the nonrefundable license fee is $120, plus an FBI fingerprint-processing fee if fingerprints are required.

For Arizona resident L&H applicants, fingerprinting is part of the licensing process unless an exception applies, such as adding a line of authority to an existing Arizona insurance license. Candidates should follow current Arizona DIFI fingerprint instructions and complete any required background documentation accurately.

NIPR warns that Arizona may deny a license for causes listed in Arizona law and that applicants should answer all application questions truthfully and completely.

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How to Apply After Passing the Arizona L&H Exam

After passing the Arizona Life, Accident and Health or Sickness exam, apply through NIPR for the Insurance Producer license with the correct line of authority.

Application Checklist

Before applying, make sure you have:

• Passed the Arizona Life, Accident and Health or Sickness Insurance Producer exam
• Selected the correct license class and line of authority
• Completed fingerprint requirements if applicable
• Gathered supporting documentation for any background questions
• Confirmed that all application answers are accurate
• Paid the Arizona license fee
• Paid applicable NIPR transaction fees
• Submitted required documents through the NIPR Attachments Warehouse if needed

NIPR states that Arizona verifies exams before allowing submission of a resident application and that applicants must be at least 18 years old.

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Renewal and Continuing Education for Arizona L&H Producers

Arizona resident insurance producers must complete continuing education during the license term. DIFI’s CE page states that Arizona residents must complete 48 hours of Arizona-approved insurance continuing education during the license term, including at least six hours of ethics training unless an exception applies.

NIPR states that applicants may late renew for up to one year after license expiration. After one year, the applicant must reapply as a new applicant.

For L&H producers, renewal responsibility sits with the licensee. Even if a reminder notice is not received, you are still responsible for completing CE and renewing before your license expires.

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Arizona-Specific L&H Licensing Notes

Arizona Uses the Phrase “Life, Accident and Health or Sickness”

Students often search for “life and health insurance license,” but Arizona’s official combined line uses the longer wording Life, Accident and Health or Sickness. Use that official phrase when selecting your exam and applying through NIPR.

PSI Is the Current Exam Vendor

Arizona insurance exams are administered by PSI. The current PSI outline for the combined L&H exam identifies the exam as Series 13-33.

This is important because older Prometric materials may still appear online. Use current Arizona, NIPR, and PSI resources when preparing and scheduling.

Arizona Law Is Tested

The Arizona L&H exam includes insurance regulation, licensing requirements, producer regulation, unfair trade practices, continuing education, disciplinary actions, claims practices, insurance fraud, and privacy topics. The PSI outline lists Insurance Regulation as 4% of the exam.

Arizona law is not just a tiny footnote wearing a bolo tie. It is testable.

Long-Term Care Training May Be Required

If you plan to sell, solicit, or negotiate long-term care insurance in Arizona, additional training requirements may apply. The current Arizona candidate bulletin references long-term care training and education requirements for accident and health or sickness producers.

Annuity Training May Be Required

If you plan to sell annuities, additional annuity training requirements may apply. Life insurance producers should confirm Arizona’s current annuity training rules before selling, soliciting, or negotiating annuity products.

Variable Products May Require Additional Licensing

If you plan to sell variable life or variable annuity products, you may need additional securities registration in addition to the appropriate insurance authority. NIPR lists Variable Life and Variable Annuity as an exam-required line of authority for Arizona resident producers.

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Prepare for the Arizona L&H Exam with TESTivity

The Arizona L&H exam covers a lot of territory: life insurance, accident and health insurance, annuities, disability income, policy provisions, tax rules, senior needs, Medicare-related concepts, and Arizona insurance regulation.

That is too much to master with passive reading alone.

TESTivity helps Arizona L&H students prepare with a complete multi-tool study system.

TESTivity Platinum Study Package

The TESTivity Platinum Study Package gives Arizona L&H students:

• Study Manual to learn the core material
• Exam Simulator to practice with exam-style questions
• Flashcards to master terms and definitions
• Audio Course to reinforce learning while driving, walking, or multitasking
• Video Course for guided instruction
• Mind Maps to connect concepts visually
• Learning Games to make repetition less grindy
• Test Day Cheat Sheet for final review
• AI Insurance Exam Tutor for help when confusing topics knot together

The goal is not just to finish a course. The goal is to understand the material, identify weak areas, and walk into the PSI exam with a real readiness plan.

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FAQ: Arizona Life and Health Insurance License

About This Arizona L&H Insurance License Guide

GetTheLicense.org helps future insurance professionals understand state licensing requirements, exam steps, and practical study strategies. Our Arizona insurance licensing guides are built using state licensing resources, NIPR information, testing vendor exam outlines, and regulator guidance whenever available.

This Arizona L&H licensing guide references NIPR, Arizona DIFI, and PSI exam outline information. Licensing rules, fees, exam vendors, exam outlines, and procedures can change, so candidates should always confirm final requirements with the Arizona Department of Insurance and Financial Institutions before applying or scheduling an exam.

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