Do You Need a Pre-Licensing Course for the Arizona Life & Health Exam? (2026)

No. Arizona does not require a pre-licensing course, classroom hours or a course-of-study certificate for the Life or the Accident and Health or Sickness producer license. Licensure is conditioned on passing the examination, together with age, background and fees.

Three Arizona statutes work together:

• A.R.S. § 20-285(B) lists exactly four conditions the director must find before approving an individual's license application: the applicant is at least eighteen years of age; has not committed any act that is a ground for denial, suspension or revocation under section 20-295; has paid the fees prescribed in section 20-167; and has successfully passed the examinations for the lines of authority applied for. No fifth condition requires completed education.
• A.R.S. § 20-284(A) says the examination tests knowledge of the lines of authority applied for, the duties and responsibilities of an insurance producer, and the insurance laws of the state. It describes what the exam covers; it does not require a course first.
• A.R.S. § 20-286 defines the lines of authority, including Life and Accident and Health or Sickness, and attaches no education prerequisite to any of them.

PSI's Candidate Information Bulletin describes the same path, exam first and then application. It also states that the Department of Insurance does not provide study materials, cannot recommend any supplier of study materials and does not evaluate the quality of any training course or study material. It adds that candidates may obtain recommendations from insurance companies, the company or agency they plan to work for, or local insurance and agents' associations.

Adding these up, the all-in estimate for the combined path (combined exam, license fee and fingerprints) is $209.69, against $250.69 if you take the two single-line exams instead. Passing an exam does not guarantee a license.

LanePrep is exam preparation, not a mandated course. You do not need us, or anyone, to become eligible; you need to pass the exam. Our audio lessons cover the outline's sections, and the free practice sets let you check your understanding topic by topic, for example Types of Life Insurance Policies or Medical Plans.

Whether you buy a course, study from the outline alone or use a mix, the exam is the same: 150 items in 2.5 hours on the combined exam, with 70% correct required. See the format and the difficulty before you decide how much preparation you need, or look at the preview.