Arizona · State licensing
Pass the Arizona Life & Health insurance license exam.
Arizona's DIFI requires no pre-licensing education and uses PSI for testing — a fast path to licensed if your exam prep is solid.
Quick facts
- Testing vendor
- PSI
- Passing score
- 70%
- Pre-licensing hours
- Not required
- Application fee
- $120
- Exam fee
- $42 per attempt
- Combined exam length
- 150 Q · 180 min
Source: difi.az.gov. Confirm before you register, state schedules change.
Get on the Arizona waitlist.
We're building the Arizona-specific question bank now. Waitlist members get 14-day early access and the cheat-sheet PDF.
What's on the Arizona L&H exam.
The Arizona L&H exam is administered by PSI. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.
Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.
Arizona exam FAQ.
- Does Arizona require pre-licensing education?
- No. Arizona has no mandatory pre-licensing course requirement for L&H — schedule the PSI exam when you're ready.
- What's the Arizona passing score?
- 70%.
- Who regulates insurance licensing in Arizona?
- The Arizona Department of Insurance and Financial Institutions (DIFI); PSI administers the exam.
- How much does it cost to get licensed in Arizona?
- Roughly $162 in mandatory fees: ~$120 license fee + ~$42 exam fee per attempt. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.
Licensing in other states too?
Each state has its own vendor, hours, and fee schedule.