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Last 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) / PSI Services LLC
Exam Name:Arizona Examination for Life Insurance Producer (Series 13-31)
Exam Number:AZ-Insurance-Producer-Life
Related Certifications:Arizona Insurance Producer License - Accident and Health or Sickness (Series 13-32)
Arizona Insurance Producer License - Life, Accident and Health or Sickness (Series 13-33)
Exam Format:Online proctored examination, Test center, Multiple-choice questions, Closed-book, Computer-based examination
Certificate Validity Period:The Arizona insurance producer license generally expires on the last day of the licensee's birth month; the initial license term is approximately 3-4 years. Renewal terms are generally 4 years.
Available Languages:English (officially documented exam language not explicitly specified in the current bulletin)
Passing Score:70%
Real Exam Qty:100 scored questions; 5-10 additional unscored experimental questions may be administered
Exam Duration:120 minutes
Exam Price:USD 50
Sample Questions: DOWNLOAD DEMO
Exam Way:Schedule through PSI Services LLC. Available delivery modalities include an in-person test center and an online proctored examination, subject to current scheduling availability and technical requirements. The examination fee is nonrefundable and nontransferable and remains valid for one year from payment.
Pre Condition:Candidates generally must meet Arizona insurance producer licensing eligibility requirements and pass the applicable examination. Arizona generally requires applicants to be at least 18 years old. Prelicensing education requirements should be verified with DIFI. Applicants must submit the required license application within one year after passing the examination. Arizona law limits candidates to four examination attempts within a 12-month period; after four failures, a one-year waiting period applies.
Official Syllabus URL:https://test-takers.psiexams.com/anzins

Insurance Licensing AZ-Insurance-Producer-Life Exam Syllabus Topics:

SectionWeightObjectives
General Insurance- Risk and insurance concepts
  • 1. Principles of indemnity and utmost good faith
    • 2. Insurable interest
      • 3. Risk, peril, and hazard
        - Insurance contracts
        • 1. Representations, warranties, and concealment
          • 2. Contract elements
            • 3. Policy provisions and exclusions
              Insurance Regulation5%- Licensing
              • 1. Producer licensing laws and regulations
                • 2. Examination requirements and eligibility
                  • 3. License application requirements
                    - Arizona Insurance Laws and Regulations
                    • 1. Unfair trade practices and prohibited activities
                      • 2. Producer duties and responsibilities
                        • 3. Arizona Revised Statutes and Administrative Code
                          Life Insurance Basics- Annuities
                          • 1. Accumulation and distribution phases
                            • 2. Annuity types and contract characteristics
                              • 3. Annuity suitability and consumer protections
                                - Life insurance underwriting
                                • 1. Applications and insurable interest
                                  • 2. Policy delivery and effective dates
                                    • 3. Risk classification and underwriting decisions
                                      - Life Insurance Uses and Applications
                                      • 1. Life insurance taxation
                                        • 2. Personal life insurance needs
                                          • 3. Business uses of life insurance
                                            - Life insurance policy provisions, options, and riders
                                            • 1. Policy exclusions and limitations
                                              • 2. Beneficiary designations
                                                • 3. Common policy riders
                                                  • 4. Nonforfeiture options and settlement options
                                                    - Types of life insurance policies
                                                    • 1. Term life insurance
                                                      • 2. Whole life insurance
                                                        • 3. Universal life and variable life insurance

                                                          Insurance Licensing AZ-Insurance-Producer-Life Exam Questions

                                                          Yes — download the free trial of the Insurance Licensing AZ-Insurance-Producer-Life material before you buy. Members then enjoy free updating for 365 days, with new versions emailed promptly; renew afterward at 50% off.

                                                          The Insurance Licensing AZ-Insurance-Producer-Life is Insurance Licensing's certification exam for Arizona Department of Insurance, at the Entry-Level Professional License level. As a major exam recognized by most companies, it proves your IT ability to employers — including the big international ones. Related credentials include Arizona Insurance Producer License - Accident and Health or Sickness (Series 13-32), Arizona Insurance Producer License - Life, Accident and Health or Sickness (Series 13-33).

                                                          The Insurance Licensing AZ-Insurance-Producer-Life blueprint covers 3 domains — including Life Insurance Basics, Insurance Regulation (5%), General Insurance. Pay attention to the key points where weightings concentrate; the full outline above lists every subtopic.

                                                          USD 50 per attempt, 70% to pass. Half the effort works only with the right focus — rehearse with the 107 practice questions for the AZ-Insurance-Producer-Life exam at SureTorrent before booking.

                                                          Candidates generally must meet Arizona insurance producer licensing eligibility requirements and pass the applicable examination. Arizona generally requires applicants to be at least 18 years old. Prelicensing education requirements should be verified with DIFI. Applicants must submit the required license application within one year after passing the examination. Arizona law limits candidates to four examination attempts within a 12-month period; after four failures, a one-year waiting period applies. Eligibility rules are updated periodically, so verify the current requirements on the official page (official AZ-Insurance-Producer-Life exam page) before registering.

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                                                          120 minutes for 100 scored questions; 5-10 additional unscored experimental questions may be administered questions. The online engine simulates the formal test atmosphere — practice anywhere, so the clock feels familiar on the day.

                                                          Insurance Licensing AZ-Insurance-Producer-Life Sample Questions:

                                                          Question #1

                                                          A contract will be deemed invalid if

                                                          • A. consideration was not monetary.
                                                          • B. one party was not competent.
                                                          • C. the contract was not approved by an attorney.
                                                          • D. the contract was not in writing.
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: B  🗳️

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                                                          Question #2

                                                          A waiver is defined as the

                                                          • A. misrepresentation of a known right.
                                                          • B. acceptance of terms of the policy.
                                                          • C. modification of a known right.
                                                          • D. intentional and voluntary giving up of a known right.
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: D  🗳️

                                                          Question #3

                                                          What is the primary benefit of the waiver of premium rider in a life insurance policy?

                                                          • A. Adds coverage
                                                          • B. Credits premiums
                                                          • C. Decreases cash value
                                                          • D. Pays monthly income
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: B  🗳️

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                                                          Question #4

                                                          The securities component of index whole life insurance is considered which of the following?

                                                          • A. A less expensive manner for obtaining whole life insurance.
                                                          • B. A way of reducing taxes on earnings from a whole life policy.
                                                          • C. A recommended approach for higher earnings.
                                                          • D. An effective hedge against inflation.
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: D  🗳️

                                                          Explanation: Only visible for SureTorrent members. You can sign-up / login (it's free).

                                                          Question #5

                                                          An insurer is obligated to pay legitimate claims, but the policyowners are NOT obligated to pay insurance premiums. This characteristic implies which type of contract?

                                                          • A. Aleatory
                                                          • B. Conditional
                                                          • C. Adhesion
                                                          • D. Unilateral
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: D  🗳️

                                                          Explanation: Only visible for SureTorrent members. You can sign-up / login (it's free).

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