Quick Start Guide to Passing Your Arizona Insurance Licensing Exam Fast…And on Your 1st Attempt
The Arizona insurance licensing exam is the doorway between studying insurance and becoming licensed to sell it.
Whether you are preparing for Property and Casualty, Life, Accident and Health or Sickness, Personal Lines, Life only, Health only, Property only, Casualty only, or another Arizona insurance exam, your goal is the same: understand the material, practice exam-style questions, strengthen weak areas, and walk into PSI ready.
Arizona insurance exams are administered by PSI, and exam scores are valid for 12 months according to NIPR. PSI’s current Arizona content outlines identify the combined Property and Casualty exam as Series 13-34 and the combined Life, Accident and Health or Sickness exam as Series 13-33. Both are 150-item exams with a 2.5-hour time limit.
Passing the Arizona insurance licensing exam takes more than reading a chapter once and hoping your brain magically turns into a filing cabinet.
Arizona exams test insurance fundamentals, state law, federal law, product knowledge, policy provisions, definitions, exclusions, producer responsibilities, and practical coverage concepts. The exact exam depends on the license you want, but every serious candidate needs a study plan that does three things:
- Follows the official Arizona exam outline
- Uses practice questions to build exam confidence
- Identifies weak areas before test day
The Arizona Department of Insurance and Financial Institutions regulates insurance licensing, while PSI administers Arizona insurance licensing exams. NIPR directs Arizona candidates to PSI for exam scheduling and states that Arizona insurance exam scores are valid for 12 months.
This page focuses on how to prepare for and pass the exam. For the broader license process, see Insurance Licensing in Arizona: Complete Guide to License Types and Requirements.
Arizona Insurance Exam Quick Facts
| Topic | Arizona Exam Detail |
|---|---|
| State regulator | Arizona Department of Insurance and Financial Institutions |
| Exam vendor | PSI |
| Application platform | NIPR |
| Passing score | 70% |
| Exam score validity | 12 months |
| P&C exam | Series 13-34, 150 items, 2.5 hours |
| L&H exam | Series 13-33, 150 items, 2.5 hours |
| P&C exam fee | $59, based on Arizona PSI candidate bulletin research |
| L&H exam fee | $59, based on Arizona PSI candidate bulletin research |
| Exam format | Multiple choice |
| Exam basis | Official PSI content outlines |
| Retake warning | Arizona law limits exam attempts before a waiting period applies |
NIPR states that Arizona insurance exam scores are valid for 12 months. PSI’s Arizona P&C outline lists Series 13-34 as a 150-item, 2.5-hour exam, and PSI’s Arizona L&H outline lists Series 13-33 as a 150-item, 2.5-hour exam.
What Is on the Arizona Insurance Licensing Exam?
The answer depends on which Arizona insurance exam you take.
Most Arizona insurance exams include some mix of:
- Arizona insurance regulation
- Federal laws and regulations
- General insurance concepts
- Product-specific insurance basics
- Policy provisions
- Producer responsibilities
- Underwriting concepts
- Claims concepts
- Definitions, exclusions, and conditions
- State-specific rules and statutes
The official PSI outlines are important because they show the categories and weightings used to build the exam. For Arizona candidates, the outline is the map. Your study materials are the vehicle. Your practice questions are the rough road that tells you whether the vehicle actually works.
Arizona Property and Casualty Exam Content Weighting
The Arizona Property and Casualty Insurance Producer exam is Series 13-34. It includes 150 items and has a 2.5-hour time limit.
Below is a simplified student-friendly view of major P&C content areas.
| Arizona P&C Exam Area | Approximate Weight / Role |
|---|---|
| Insurance Regulation | 5% |
| Federal Laws and Regulations | 2% |
| General Insurance Concepts | 11% |
| Property and Casualty Insurance Basics | 19% |
| Dwelling Policy Concepts | 8% |
| Homeowners Policy Concepts | 11% |
| Other P&C insurance types | 3% |
| Workers Compensation Laws | 3% |
| Auto, commercial property, commercial liability, BOP, umbrella, surety, flood, earthquake, and related sections | Major coverage areas throughout the outline |
The largest early P&C category is Property and Casualty Insurance Basics, listed at 19%. That section includes concepts such as insurable interest, liability, damages, underwriting, rating, hazards, perils, loss valuation, negligence, torts, exclusions, deductibles, limits, coinsurance, subrogation, and other foundational P&C ideas.
What P&C Students Should Prioritize
If you are preparing for the Arizona P&C exam, focus heavily on:
- State insurance regulation
- General insurance definitions
- Property and casualty fundamentals
- Dwelling and homeowners policies
- Personal auto
- Commercial property
- Commercial general liability
- Businessowners policies
- Workers compensation concepts
- Umbrella, excess, surety, and specialty coverage
- Policy exclusions, conditions, limits, and endorsements
The Arizona P&C exam is broad. If you only study auto and homeowners, you are walking into the canyon with one shoe.
For the licensing steps, see How to Get a Property and Casualty Insurance License in Arizona.
Arizona Life and Health Exam Content Weighting
The Arizona Life, Accident and Health or Sickness Insurance Producer exam is Series 13-33. It includes 150 items and has a 2.5-hour time limit.
Below is a simplified student-friendly view of major L&H content areas.
| Arizona L&H Exam Area | Approximate Weight / Role |
|---|---|
| Insurance Regulation | 4% |
| Federal Laws and Regulations | 3% |
| General Insurance Concepts | 7% |
| Life, Accident and Health Insurance Basics | 17% |
| Life insurance policies | Major content area |
| Life policy provisions, options, and riders | High-risk student trouble zone |
| Annuities | High-risk student trouble zone |
| Federal tax considerations for life and annuities | Often confusing |
| Accident and health basics | Major content area |
| Health policy provisions, clauses, and riders | Frequently tested |
| Disability income, medical expense, Medicare-related, group health, dental, senior needs, and tax considerations | Major health-side content areas |
The largest early L&H category is Life, Accident and Health Insurance Basics, listed at 17% of the exam. The outline also includes state regulation, federal regulation, general insurance concepts, annuities, health insurance provisions, disability income, medical expense coverage, Medicare-related coverage, group insurance, senior needs, and tax considerations.
What L&H Students Should Prioritize
If you are preparing for the Arizona L&H exam, focus heavily on:
- Arizona insurance regulation
- General insurance concepts
- Life insurance basics
- Life policy provisions, options, and riders
- Beneficiary rules
- Settlement options
- Nonforfeiture options
- Annuities
- Health insurance basics
- Required and optional health policy provisions
- Disability income
- Medical expense insurance
- Medicare-related coverage
- Long-term care concepts
- Federal tax treatment
Life and health students often underestimate annuities and policy provisions. Those topics have a way of sneaking into the exam wearing a tiny disguise and a very serious hat.
For the licensing steps, see How to Get a Life and Health Insurance License in Arizona.
Why Students Fail the Arizona Insurance Licensing Exam
Most students do not fail because they are incapable of learning insurance. They fail because their study method leaks.
1. They Study Passively
Reading is useful, but reading alone is not enough. Insurance exams require recognition, recall, application, and decision-making under pressure.
A student may “understand” a definition while reading, then miss it when the exam changes the wording.
2. They Ignore the Official Outline
The PSI outline is the blueprint for the exam. Students who study from generic insurance material without checking the Arizona outline may spend too much time on low-value topics and too little time on testable Arizona content.
3. They Avoid Practice Questions
Practice questions are where weak areas reveal themselves. Without exam-style questions, students often confuse familiarity with readiness.
That is dangerous. Familiarity says, “I saw this once.” Readiness says, “I can answer it when the exam twists the wording.”
4. They Underestimate State Law
Arizona insurance regulation appears on both the P&C and L&H outlines. The P&C outline lists Insurance Regulation at 5%, while the L&H outline lists Insurance Regulation at 4%.
Those percentages may look small, but state-law questions can be very specific. A few missed state-law questions can be the difference between passing and scheduling a retake.
5. They Memorize Without Understanding
Insurance exams love answer choices that sound almost right. If a student only memorizes isolated words, the exam can trip them with similar terms, exceptions, and policy conditions.
6. They Test Before They Are Ready
Arizona’s exam rules include limits on attempts before a waiting period applies. The Arizona P&C and L&H PSI outlines both reference the number of exam attempts under Arizona law, which is a reminder that retakes are not unlimited free spins.
A smarter approach: use readiness scoring, final exams, and weak-area review before sitting for PSI.
How to Study for the Arizona Insurance Exam
A good Arizona study plan should be structured, active, and repetitive. Not repetitive in a dull “copy the dictionary by candlelight” way, but repetitive enough that the terms, rules, and coverage concepts become retrievable.
Step 1: Start with the Official Exam Outline
Begin by matching your study plan to the correct Arizona exam:
- P&C candidates: Series 13-34
- L&H candidates: Series 13-33
- Personal Lines candidates: Arizona Personal Lines exam
- Life-only or health-only candidates: the corresponding Arizona exam
- Adjuster candidates: Arizona Adjuster exam
Do not study for “insurance” in general. Study for the exact exam you are taking.
Step 2: Learn the Core Concepts First
Before drilling practice questions, build a foundation.
For P&C, understand:
- Risk, hazards, and perils
- Property vs. casualty concepts
- Liability and negligence
- Policy structure
- Exclusions and conditions
- Loss valuation
- Deductibles, limits, and coinsurance
For L&H, understand:
- Life insurance policy types
- Health insurance basics
- Policy provisions
- Annuities
- Disability income
- Medical expense insurance
- Medicare-related concepts
- Tax treatment
Step 3: Use Flashcards for Vocabulary
Insurance exams are vocabulary-heavy. Flashcards help convert terms into fast recall.
Use flashcards for:
- Definitions
- Policy provisions
- Common exclusions
- State-law terms
- Federal-law acronyms
- Life insurance options
- Health policy provisions
- P&C coverage forms
Step 4: Practice with Exam-Style Questions
Practice questions do three things at once:
- Teach you how the exam asks questions
- Reveal weak areas
- Build speed and confidence
Do not simply check whether you got a question right. Read the explanation. Ask why the wrong answers are wrong. That is where a lot of the learning gold is buried.
Step 5: Track Weak Areas
Your weak areas are not failures. They are study instructions.
If you keep missing annuity questions, study annuities.
If you keep missing homeowners exclusions, study homeowners exclusions.
If Arizona law keeps biting your ankle, go back to the state regulation section.
Step 6: Take Final Exams Before PSI
Before scheduling or sitting for the PSI exam, take full-length final exams in your study system. The goal is to prove readiness before the real exam, not after.
The TESTivity Platinum Study Package for Arizona Exam Prep
The TESTivity Platinum Study Package is built for students who want more than a pile of static reading material.
It gives Arizona insurance exam students a complete study system:
- Learn the material
- Practice exam-style questions
- Strengthen weak areas
- Reinforce vocabulary
- Use audio and video for multi-modal learning
- Review visually with mind maps
- Use games for repetition
- Use an AI tutor when stuck
- Use a cheat sheet for final review
- Measure readiness before test day
Arizona’s exams are broad, and your prep should be broad too. Platinum is designed to create multiple passes through the same material from different angles, because repetition is where licensing content moves from “I recognize this” to “I can answer this.”
Why Exam Prep Matters in Arizona
Arizona gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Arizona insurance exams are content-heavy multiple-choice exams. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Tool-by-Tool Arizona Study Method
1. Study Manual: Build the Foundation
Use the TESTivity Study Manual as your main content spine.
For Arizona, your study manual should help you understand:
- General insurance concepts
- State licensing rules
- Federal insurance laws
- P&C or L&H product basics
- Policy provisions
- Exclusions and conditions
- Producer responsibilities
- Exam-relevant vocabulary
Read actively. Highlight only what matters. When everything is highlighted, nothing is highlighted.
2. Exam Simulator: Practice Under Exam Conditions
The TESTivity Exam Simulator helps you move from reading to answering.
Use it to:
- Take topic quizzes
- Practice mixed-question sets
- Review explanations
- Identify weak areas
- Build exam-day stamina
- Take final exams before scheduling PSI
For Arizona, the exam simulator should become your readiness dashboard. If your practice scores are wobbly, your real exam day may be wobbly too.
3. Flashcards: Lock Down Terminology
Flashcards are especially useful for Arizona candidates because both P&C and L&H exams test many similar-sounding terms.
Use flashcards for:
- Policy provisions
- Definitions
- Exclusions
- Riders
- Endorsements
- Annuity terms
- Health insurance clauses
- P&C coverage forms
- State-law concepts
Short bursts work well. Ten focused minutes can be more useful than an hour of sleepy scrolling through notes.
4. Audio Course: Reinforce While Moving
The TESTivity Audio Course lets you review while driving, walking, exercising, or doing chores.
This matters because insurance exam prep benefits from repeated exposure. Hearing the same topic in plain language can make it click differently than reading alone.
Use audio for:
- General review
- Difficult concepts
- Commute study
- Final-week reinforcement
- Light review when your brain is too tired for heavy reading
5. Video Course: See and Hear the Concepts
Video instruction helps students who learn better with guided explanation.
Use the TESTivity Video Course for:
- Complicated topics
- Policy structure
- Annuities
- Health provisions
- Liability concepts
- Coverage comparisons
- Visual reinforcement
Some insurance topics are easier when someone walks you through the machinery instead of handing you a pile of gears.
6. Mind Maps: Connect the Ideas
Mind maps help visual learners see how insurance concepts relate.
For Arizona P&C students, mind maps can help connect:
- Perils
- Hazards
- Loss types
- Valuation methods
- Policy sections
- Liability concepts
- Personal vs. commercial coverage
For Arizona L&H students, mind maps can help connect:
- Life policy types
- Riders
- Settlement options
- Annuities
- Health provisions
- Disability income
- Medical expense coverage
- Medicare-related concepts
7. Learning Games: Repeat Without the Grind
Insurance exam prep requires repetition. TESTivity Learning Games make repetition feel less like chewing sand.
Use learning games to reinforce:
- Vocabulary
- Definitions
- Policy terms
- Matching concepts
- Cause-and-effect relationships
- Common exam distinctions
Games are not a replacement for serious study. They are a useful reinforcement layer.
8. AI Insurance Exam Tutor: Get Unstuck
When a topic refuses to behave, use the AI Insurance Exam Tutor.
Ask for help with:
- “Explain this in plain English”
- “Why is this answer wrong?”
- “Compare these two policy provisions”
- “Give me an example”
- “Quiz me on this topic”
- “Help me understand annuities”
- “Explain coinsurance”
- “What is the difference between waiver of premium and automatic premium loan?”
The tutor helps prevent one confusing topic from becoming a study roadblock.
9. Test Day Cheat Sheet: Final Review
The TESTivity Test Day Cheat Sheet is for final reinforcement, not first-time learning.
Use it in the final 24 to 48 hours to review:
- Key definitions
- Common traps
- Policy provisions
- State-law reminders
- High-risk topics
- Formulas or comparison points
- Exam-day strategy
A cheat sheet should sharpen the blade, not forge the sword.
Final 24-Hour Arizona Insurance Exam Study Plan
The final day before your Arizona insurance exam should be focused, not frantic.
24 Hours Before the Exam
Take a final exam or targeted mixed quiz. Review every missed question and identify the pattern behind the miss.
Ask:
- Did I misread the question?
- Did I confuse two similar terms?
- Did I forget a state rule?
- Did I guess because I did not understand the concept?
- Did I know the topic but miss the exception?
12 Hours Before the Exam
Review weak areas only. This is not the time to reread the whole manual from page one like a nervous archaeologist.
Focus on:
- State insurance regulation
- High-weight exam categories
- Commonly confused terms
- Policy provisions
- Exclusions and conditions
- Annuities or Medicare concepts for L&H
- Liability and homeowners/auto concepts for P&C
Night Before the Exam
Use flashcards and the cheat sheet. Keep the review light but intentional.
Avoid the “panic buffet,” where you nibble at every topic and digest none of it.
Morning of the Exam
Review only the highest-value reminders. Confirm your exam time, identification requirements, PSI instructions, and testing method.
Then stop cramming. Walk in calm, alert, and ready to read carefully.
Test-Day Tips for PSI Arizona Insurance Exams
Read Every Question Carefully
Insurance exams often use precise wording. Words such as “except,” “best,” “most likely,” “least likely,” and “not” can change the entire question.
Answer the Question Asked
Do not answer the question you wish they had asked. Answer the one on the screen.
Watch for Similar-Sounding Terms
Common trouble pairs include:
- Representation vs. warranty
- Waiver vs. estoppel
- Peril vs. hazard
- Actual cash value vs. replacement cost
- Coinsurance vs. copayment
- Term life vs. whole life
- Fixed annuity vs. variable annuity
- Grace period vs. reinstatement
- Elimination period vs. probationary period
Use Elimination
Even when you are unsure, you can often eliminate one or two obviously wrong answers. That improves your odds and keeps you from spiraling.
Do Not Rush Early
The P&C and L&H exams each provide 2.5 hours for 150 items. That is roughly one minute per item. Some questions will take seconds. Others will need more care. Pace yourself without sprinting.
Review Flagged Questions Strategically
If the system allows you to review flagged questions, use that feature wisely. But do not change answers unless you have a clear reason.
Do Not Let One Question Poison the Next
Every question is its own little desert critter. If one bites, move on. Do not carry it into the next question.
FAQ: Arizona Insurance Licensing Exam
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the new PSI format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Pass the Arizona Insurance Licensing Exam?
The Arizona insurance exam is not just a memory test. It is a licensing gatekeeper built from state rules, federal rules, product knowledge, policy language, definitions, exclusions, and practical coverage concepts.
You do not need to wander through it with scattered notes and guesswork.
The TESTivity Platinum Study Package gives you a complete exam-prep system for Arizona insurance licensing:
- Study Manual
- Exam Simulator
- Flashcards
- Audio Course
- Video Course
- Mind Maps
- Learning Games
- Test Day Cheat Sheet
- AI Insurance Exam Tutor
- Readiness-focused review
Do not let the PSI exam become your practice test.
Start preparing for the Arizona insurance licensing exam with TESTivity today.
📋 Official Arizona Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
-
Arizona Insurance Candidate Information Bulletin (PDF)
Direct mirror hosted by GetTheLicense.org -
Arizona L&H Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting -
Arizona P&C Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
-
Arizona Department of Insurance and Financial Institutions
For resident agent regulations and fee schedules -
PSI Arizona Insurance Licensing Exam Page
To schedule your exam, find test centers, or check live updates