How to Pass the Arizona Life & Health Exam on the First Try (2026)

Arizona does not force every Life, Accident and Health candidate through one exam. You can sit one combined exam that covers both lines of authority, or two separate single-line exams — whichever path gets you the license you need.

The combined exam, PSI's Series 13-33 (Arizona Examination for Life, Accident and Health or Sickness Insurance Producer), has 150 items in 2.5 hours, for $59. The two single-line exams — Series 13-31 (Life) and Series 13-32 (Accident and Health or Sickness) — each have 100 items in 2 hours, for $50 per attempt.

Every version is delivered by PSI Services LLC, either at a PSI test center or through PSI's Online Proctored remote-testing option — your choice, at no difference in fee. PSI took over Arizona's licensing exams from Prometric; Prometric now administers only Arizona's continuing education, not the exam itself.

The passing score is 70% correct, stated flatly for every version of the exam. An additional 5-10 unscored experimental questions may be added to any exam without affecting your score; PSI does not flag which ones these are, so answer every question as if it counts.

A candidate who wants both lines of authority can sit the combined Series 13-33 exam once for $59, or sit the two single-line exams separately for $50 each — $100 total. The combined exam saves $41, about 41 percent, off the two-exam path, and it is one appointment instead of two.

If you only need one line — say, you sell life insurance but never accident and health business — sit only that line's single-line exam. There is no advantage to paying for the combined exam, or studying content you will never be tested on, if you do not plan to hold both lines.

Neither line requires a pre-licensing course. A.R.S. § 20-285(B) lists exactly four conditions the director must find before approving a license application: at least eighteen years of age, no act that is a ground for denial, suspension or revocation under § 20-295, payment of the fees prescribed in § 20-167, and having successfully passed the examination for the lines of authority applied for. No pre-licensing-education paragraph appears among the four.

A.R.S. § 20-284(A) frames the exam itself as testing "the knowledge of the individual concerning the lines of authority for which the application is made, the duties and responsibilities of an insurance producer and the insurance laws of this state" — an exam-content clause, not a prerequisite-course clause. PSI's own Candidate Information Bulletin describes the path to licensure as exam-then-apply, and states plainly that the Department of Insurance and Financial Institutions does not provide study materials, cannot recommend a supplier, and does not evaluate any training course or study material — framing a prep course as optional, not a requirement.

NAIC compiles first-time, English-language pass rates by state and exam. Across the two most recently compiled years:

• Combined exam (Life, Accident and Health or Sickness): 55.9% in 2024 (3,242 of 5,804 candidates) and 60.3% in 2025 (1,917 of 3,180) — roughly 56-60 percent across the two years.
• Life: 48.6% in 2024 (2,470 of 5,078) and 55.1% in 2025 (1,496 of 2,714) — roughly 49-55 percent.
• Accident and Health or Sickness: 57.8% in both 2024 (570 of 986) and 2025 (257 of 445).

Read plainly: on the Life exam, close to half of first-time candidates do not pass; on the combined exam and the Accident and Health exam the miss rate still runs from roughly two in five to over four in ten. This is not a formality to walk into unprepared.

One honest caveat belongs here. Candidate volume fell sharply on every row from 2024 to 2025 — Life by nearly half, Accident and Health by more than half, the combined exam by close to half — while every pass rate rose over the same period. LanePrep could not confirm from the documents available whether this reflects a reporting change tied to the PSI vendor transition, a genuine drop in how many people tested, or something else in how the two years were compiled. Treat the pass-rate ranges above, read across both years, as the honest picture — and do not read either year, or the change between them, as a trend.

PSI's content outline for the combined Series 13-33 exam lists 13 sections, each given a percentage weight of the 150 items. PSI prints the percentage only, not a per-section item count, so this guide does the same rather than inventing rounded numbers PSI itself does not state:

• 1. Insurance Regulation — 4%
• 2. Federal Laws and Regulations — 3%
• 3. General Insurance Concepts — 7%
• 4. Life, Accident and Health Insurance Basics — 17%
• 5. Types of Life Insurance Policies — 9%
• 6. Life Insurance Policy Provisions, Options, and Riders — 15%
• 7. Annuities — 7%
• 8. Individual Accident and Health Insurance Policy Provisions — 8%
• 9. Disability Income and Related Insurance — 6%
• 10. Medical Plans — 11%
• 11. Group Health Insurance — 3%
• 12. Specialized Health Insurance for Qualified Individuals — 5%
• 13. Federal Tax Considerations for Life and Health Insurance — 5%

Four sections carry 11 percent or more: Life, Accident and Health Insurance Basics (17%, the single heaviest section on the exam), Life Insurance Policy Provisions, Options, and Riders (15%), Medical Plans (11%), and Types of Life Insurance Policies (9%, just under the cutoff but still substantial). Add Individual Accident and Health Insurance Policy Provisions (8%) and those five sections alone cover more than half the exam, so that is where a study plan should spend the most time. Group Health Insurance and Federal Laws and Regulations, at 3% each, matter for completeness but will not decide a pass or fail on their own.

PSI folds Arizona law into its own named sections rather than setting it apart as a separate block: Insurance Regulation (4%) and Federal Laws and Regulations (3%), 7% of the combined exam together. PSI's own content outline cites specific Arizona Revised Statutes and Administrative Code rules directly inline in those sections — Title 20 licensing and regulation provisions, Arizona Chapter 1 general insurance law, and Title 15 U.S.C./18 U.S.C. federal citations — the same body of law that runs through the outline's other eleven sections as well.

Two Administrative Code rules are named directly in the outline: A.A.C. Rule R20-6-801 (unfair claims practices) and A.A.C. Rule R20-6-207 (gender discrimination). On the statute side, the law you will use most as a producer sits in A.R.S. § 20-284 (the examination itself, including the four-attempts limit at § 20-284(H)) and A.R.S. § 20-285 (the four conditions for a license, including the fingerprint requirement at § 20-285(E)(2)), with A.R.S. § 20-286 defining the lines of authority themselves.

This is tested regardless of which of the three license combinations — combined, Life only, or Accident and Health only — a candidate sits, since Arizona tests the same legal-compliance content on all three versions of the exam.

The LanePrep Arizona course is nine audio chapters, built directly from the Series 13-33 outline above, each with its own quiz.

Week 1 — Regulation, concepts and the basics (Chapters 1-3)

• Days 1-2: Chapter 1 — Arizona Insurance Regulation; Federal Laws and Regulations (7% of the exam)
• Days 3-4: Chapter 2 — General Insurance Concepts (7%)
• Days 5-7: Chapter 3 — Life, Accident and Health Insurance Basics (17%, the single heaviest chapter — give it the extra day)

Week 2 — Life insurance products, provisions and annuities (Chapters 4-6)

• Days 8-9: Chapter 4 — Types of Life Insurance Policies (9%)
• Days 10-12: Chapter 5 — Life Insurance Policy Provisions, Options and Riders (15% — give it the extra day)
• Days 13-14: Chapter 6 — Annuities; Federal Tax Considerations for Life and Health Insurance (12%)

Week 3 — Accident, health, disability and exam day (Chapters 7-9)

• Days 15-17: Chapter 7 — Individual Accident and Health Insurance Policy Provisions; Disability Income and Related Insurance (14%)
• Days 18-20: Chapter 8 — Medical Plans; Group Health Insurance; Specialized Health Insurance for Qualified Individuals (19%, the single heaviest chapter on the exam — give it the extra day)
• Day 21: Chapter 9 — Exam Day: PSI, Scoring and Strategy, then a timed run through every chapter quiz in one sitting
• Day 22: Re-drill the questions you missed, re-listen to the weakest chapter, and rest the day before

Take the chapter quiz after each listen and write down which questions you missed; two days later, before starting the next chapter, answer those same questions again. That short loop is where the retention comes from — listening alone feels productive but does not test what actually stuck. Chapters 1 and 9 are free at /az/l-and-h/preview — full audio and the chapter quiz, no signup.

PSI delivers the exam at a test center — Flagstaff, Parker, Phoenix, Queen Creek, Show Low, Somerton, Surprise, Tempe, Tucson, Yuma, or the nationwide PSI network — or through PSI's Online Proctored remote option, your choice, at no difference in fee. You must cancel or reschedule at least 2 calendar days before your scheduled exam date, or the fee is forfeited. ESL candidates may request time and a half by submitting a personal letter plus an instructor or sponsoring-company letter.

If you do not pass, there is no fixed mandatory wait before you can try again — PSI describes a practical same-day block only, so a candidate who fails on a Wednesday can call Thursday and retest as soon as Friday, space permitting. A hard ceiling applies regardless: four attempts per line of authority within a 12-month period, then a mandatory one-year wait before that line may be attempted again (A.R.S. § 20-284(H)).

The exam fee itself stays valid for one year from the date of payment, and a passed result must be used to file a license application within one year after you pass (A.R.S. § 20-284(A)).

Passing the exam is one step, not the whole process. For what happens next — fingerprinting, the license application, and what everything costs — see how much an Arizona Life & Health license costs.

Exam structure, fees and the content outline come from PSI's Arizona Candidate Information Bulletin (Rev. October 1, 2025) and PSI's Series 13-31, 13-32 and 13-33 content outlines. Pre-licensing status from A.R.S. §§ 20-284, 20-285 and 20-286. Pass rates from the NAIC 2024 and 2025 compiled pass-rate reports. Read October 2026.