Try Insurance Licensing : AZ-Insurance-Producer-Life practice torrent pass for sure
Updated: Oct 12, 2026
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Insurance Licensing AZ-Insurance-Producer-Life Exam Overview:
| Certification Vendor: | Arizona Department of Insurance and Financial Institutions (DIFI) |
|---|---|
| Exam Name: | Arizona Examination for Life Insurance Producer |
| Exam Number: | 13-31 |
| Available Languages: | English |
| Certificate Validity Period: | Exam eligibility valid for 12 months; License renewable every 4 years with continuing education |
| Exam Format: | Multiple-choice questions, Computer-based testing |
| Passing Score: | 70% |
| Real Exam Qty: | 100 (+5–10 unscored pilot items) |
| Exam Price: | $50 USD |
| Exam Duration: | 120 minutes |
| Related Certifications: | Arizona Life, Accident & Health Insurance Producer Arizona Accident & Health Insurance Producer |
| Recommended Training: | PSI Arizona Candidate Handbook Arizona DIFI Licensing Resources |
| Exam Registration: | PSI Official Exam Registration NIPR License Application Arizona DIFI Producer Licensing Page |
| Sample Questions: | Insurance Licensing AZ-Insurance-Producer-Life Sample Questions |
| Exam Way: | Computer-based testing at PSI test centers or online proctored where available |
| Pre Condition: | Minimum age 18; Valid government-issued photo ID; No mandatory pre-licensing education; Must pass background/fingerprint check; Eligible for up to 4 attempts within 12 months |
| Official Syllabus URL: | https://proctor2.psionline.com/media/programs/AZINS/life1.pdf |
Insurance Licensing AZ-Insurance-Producer-Life Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Types of Life Insurance Policies | 18% | - Adjustable and Universal Life - Term Life Insurance - Policy Provisions, Riders and Dividends
|
| Topic 2: Federal Tax Considerations for Life Insurance and Annuities | 5% | - Qualified Plans and Retirement Accounts - Taxation of Proceeds and Premiums - Tax-Deferred Exchanges and Distributions |
| Topic 3: Insurance Regulation | 22% | - Arizona Statutes and Rules
|
| Topic 4: Annuities | 12% | - Annuity Principles
|
| Topic 5: Arizona-Specific Statutes, Rules and Ethics | 14% | - Producer Responsibilities - Policy Delivery and Replacement Rules - Consumer Protection and Fair Practices |
| Topic 6: General Insurance Concepts | 13% | - Insurance Contract Law
|
| Topic 7: Life Insurance Basics | 16% | - Purpose and Use of Life Insurance
|
Insurance Licensing AZ-Insurance-Producer-Life Sample Questions:
What is the extended term nonforfeiture option in a life insurance policy?
- A. converts policy cash value to term insurance for the same face amount
- B. extends the policy coverage beyond original term
- C. invests the cash value to increase policy benefits
- D. uses cash value to purchase reduced paid-up insurance
Correct Answer: A 🗳️
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When selling life insurance to a client, the producer must make sure the
- A. amount of commission being received is disclosed.
- B. client has the ability to pay the premiums.
- C. beneficiary signs the application.
- D. client understands the important features of the insurance coverage being purchased.
Correct Answer: D 🗳️
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The director may deny, suspend, revoke, or refuse to renew a license for all of the following actions EXCEPT
- A. demonstrating incompetence in the conduct of business.
- B. having admitted or found to have committed fraud.
- C. providing incorrect, misleading, or materially untrue information in the license application.
- D. having been arrested on a felony charge.
Correct Answer: D 🗳️
Explanation: Only visible for SureTorrent members. You can sign-up / login (it's free).
Policy proceeds can be obtained in a lump sum and invested to create
- A. a readjustment fund.
- B. an estate.
- C. a cleanup fund.
- D. a viatical settlement.
Correct Answer: B 🗳️
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A Modified Endowment Contract (MEC) differs from other life insurance contracts with regard to the
- A. amount of death benefits available to the applicant.
- B. classes of individuals eligible to be insured.
- C. amount of interest credited under the policy.
- D. Federal income tax treatment of distributions during the insured ' s life.
Correct Answer: D 🗳️
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