How to get a Arizona life & health license
Requirements, exam, fees and the order to do things in — from the Arizona Department of Insurance and Financial Institutions (DIFI) and the exam handbook.
Step by step
- Study for the exam — Arizona doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with PSI ($50). Read the candidate handbook.
- Get fingerprinted if required — Required (Fieldprint $8.25 + DPS/FBI processing $22.44 = $30.69).
- Apply for the license through NIPR or the Arizona Department of Insurance and Financial Institutions (DIFI) ($120).
- Get appointed by an insurance company (agents) and keep up with continuing education — 48 per 4-year term incl. 6 ethics (third-party sources; unverified on difi.az.gov/ice) hours per renewal (license term: 4 years (first term 3–4 yrs, expires end of birth month)).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Arizona (optional here, but it lifts pass rates). Some links may be affiliate links.
Arizona Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | None required | None required |
| Exam vendor | PSI | PSI |
| Exam fee | $50 | $50 |
| Questions / time | — | — |
| License application fee | $120 | $120 |
| Fingerprints | Required (Fieldprint $8.25 + DPS/FBI processing $22.44 = $30.69) | Required (Fieldprint $8.25 + DPS/FBI processing $22.44 = $30.69) |
| Continuing education | 48 per 4-year term incl. 6 ethics (third-party sources; unverified on difi.az.gov/ice) hours · 4 years (first term 3–4 yrs, expires end of birth month) | 48 per 4-year term incl. 6 ethics (third-party sources; unverified on difi.az.gov/ice) hours · 4 years |
Life: No pre-license education required. Exam 13-31; combined Life/A&H 13-33 $59. PSI vendor since Sept 1 2025 (formerly Pearson VUE). 4 attempts per year limit.
Accident & Health: Exam 13-32.
Minimum age 18. Sources: PSI Arizona DIFI Candidate Information Bulletin (rev. June 11 2026) · NIPR – Arizona resident individual requirements · Arizona DIFI – Insurance professionals licensing. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
Get a free Arizona Life & Health study plan
A week-by-week exam plan, the exam outline and reminders to book fingerprints and apply. Free; launching soon, join the list.
Life & Health license rules across the US
Other Arizona licenses
Property & Casualty license · Adjuster license · All Arizona insurance licenses
Questions
How long does it take to get a life and health insurance license in Arizona?
Arizona has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Arizona Life & Health license cost?
State fees (exam + application) come to about $340, plus fingerprints and a course if you take one.
Who runs the Arizona insurance exam?
PSI. Book the exam on the vendor's site after reading the candidate handbook.