AZ • L&H

Arizona Life & Health Insurance Exam — Practice Test & Study Guide

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

Arizona-specific content is rolling in

Our national NAIC-aligned L&H bank works today — it covers most of the AZ exam's general-knowledge sections. AZ DIFI regulations and Arizona-specific statutes are in active development. Start practicing now to build a baseline; check back as we expand the AZ layer.

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Questions

100

scored items

Time limit

120 min

AZ DIFI format

Passing score

70%

raw or scaled

Pre-licensing

40h

required in AZ

Exam content outline

From the official AZ DIFI L&H content outline. Mock exams sample at these weights.

Section	Weight	≈ Questions
National-LH-I Life Policy Types	15%	15
National-LH-II Life Policy Riders, Provisions, Options, Exclusions	15%	15
National-LH-III Application, Underwriting, Delivery	12%	12
National-LH-IV Retirement & Other Insurance Concepts	8%	8
National-LH-V Health Policy Types	16%	16
National-LH-VI Health Policy Provisions, Clauses, Riders	15%	15
National-LH-VII Social Insurance	6%	6
National-LH-VIII Other Health Insurance Concepts	5%	5
National-LH-IX Field Underwriting Procedures	8%	8

Sample questions

Items from our L&H bank, aligned to the AZ AZ DIFI outline — see the difficulty and explanation depth.

Q1 • Application, Underwriting, Deliveryeasy

Under the NAIC Producer Licensing Model Act (#218) §11, an insurance producer license that has not been renewed by its expiration date generally:

ARemains valid for an additional 90-day grace period during which the producer may continue to transact insurance

BExpires and the producer may not transact insurance until reinstatement is completed

CAutomatically converts to a temporary license valid for one year

DMust be replaced by a new license obtained after re-taking the licensing examination

Why

Under §11, a lapsed license cannot be used to transact business — the producer must complete reinstatement before resuming activity.

Q2 • Application, Underwriting, Deliverymedium

Under the NAIC Producer Licensing Model Act (#218) and the NAIC's recommended code of ethics for producers, a licensed producer who also serves as the trustee of a client's irrevocable life insurance trust (ILIT) while selling the underlying policy must:

ADisclose the dual capacity in writing and manage the conflict consistent with fiduciary duties owed to the trust beneficiaries

BTreat the trustee activity as wholly exempt from producer regulation because trust services are governed by separate state trust law

CDecline one of the two roles, because holding both producer and trustee capacity is per se prohibited under NAIC Model #218

DDisclose the arrangement only to the issuing insurer, with no corresponding duty of disclosure owed to the trust beneficiaries

Why

Dual capacity as producer and trustee is permitted but requires written conflict disclosure and adherence to trust-law fiduciary duties to beneficiaries.

Q3 • Field Underwritingmedium

Under the NAIC Producer Licensing Model Act (#218) §12, which of the following is NOT an enumerated ground for the commissioner to deny, suspend, revoke, or refuse to renew a producer license?

AProviding materially incorrect, misleading, or untrue information in the license application.

BForging another's name to an insurance application or document.

CCheating on an insurance license examination.

DFailing to attend an optional industry trade conference.

Why

Model #218 §12 lists 14 specific grounds; attending trade events is not among them.

Q4 • Other Health Conceptseasy

A presumptive disability provision in a disability income policy:

AConclusively presumes total disability upon irrecoverable loss of sight, speech, hearing, or use of two limbs

BPresumes that any submitted claim is fraudulent unless rebutted by the insured with clear medical evidence

CAllows the insurer to conclusively presume the insured is no longer disabled once the maximum benefit period is fully exhausted

DPresumes that any disability continuing beyond the policy's elimination period is automatically permanent

Why

Presumptive disability conclusively deems the insured totally disabled upon specified catastrophic losses, even if they continue working.

Q5 • Application, Underwriting, Deliverymedium

A policyowner whose permanent life policy was issued five years ago at the Preferred non-tobacco class applies for a reduction in cost-of-insurance through the insurer's re-underwriting (reconsideration) program. Updated labs show a borderline HbA1c and a slightly elevated blood pressure on new medication. Under industry practice, what is the MOST likely outcome the insurer offers?

AAn automatic upgrade to Preferred Plus, because the re-underwriting reconsideration process is permitted to improve, but never to worsen, an existing in-force rate class

BContinuation of the original Preferred class with no change at all, because re-underwriting rules require the insurer to preserve the original class whenever a reconsideration request is denied

CDenial of the reconsideration request, leaving the existing Preferred class in place; the insurer typically does NOT downgrade the in-force class when reconsideration is refused

DMandatory rescission of the original policy followed by reissue at the Standard class, accompanied by a full new two-year contestability and suicide-exclusion period

Why

Reconsideration is one-way: if new evidence does not support an upgrade, the request is denied and the original class remains in force.

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Arizona state law module

State-specific laws and regulations make up 10–20% of the AZ L&H exam. Our markdown-based state-law module walks through what AZ DIFI actually tests.

Read AZ L&H state law

Arizona L&H Exam FAQ

How many questions are on the AZ L&H exam?

The Arizona Life & Health licensing exam has 100 scored questions plus a few unscored pretest items. You have 120 minutes to complete it.

What's the passing score for AZ L&H?

70% is the passing score in Arizona, calculated against the scored question count. AZ DIFI reports results immediately at the test center.

How long should I study for the AZ L&H exam?

Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the Arizona L&H exam?

AZ DIFI contracts with major proctored-exam vendors. Check the Arizona Department of Insurance and Financial Institutions website for an up-to-date list of test centers in Arizona.

Are these practice questions matched to the AZ outline?

Our national NAIC-aligned bank serves the L&H general-knowledge sections (~60–80% of every state's exam). AZ-specific regulations, AZ DIFI statutes, and state-law modules are in active content development — practice now to build a baseline, then return as AZ-specific items roll in.

How much does EstatePass cost? Do I need a separate plan for L&H?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.