Insurance Licensing AZ-Insurance-Producer-Life : AZ-Insurance-Producer-Life

Pass AZ-Insurance-Producer-Life Exam Cram

Exam Code: AZ-Insurance-Producer-Life

Exam Name: AZ-Insurance-Producer-Life

Updated: Oct 14, 2026

Q & A: 107 Questions and Answers

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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
Exam Duration:120 minutes
Available Languages:English (officially documented exam language not explicitly specified in the current bulletin)
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)
Real Exam Qty:100 scored questions; 5-10 additional unscored experimental questions may be administered
Exam Format:Multiple-choice questions, Online proctored examination, Computer-based examination, Test center, Closed-book
Passing Score:70%
Exam Price:USD 50
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.
Sample Questions:Free Download Pass AZ-Insurance-Producer-Life Exam Cram
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
Insurance Regulation5%- Arizona Insurance Laws and Regulations
  • 1. Producer duties and responsibilities
    • 2. Arizona Revised Statutes and Administrative Code
      • 3. Unfair trade practices and prohibited activities
        - Licensing
        • 1. Producer licensing laws and regulations
          • 2. Examination requirements and eligibility
            • 3. License application requirements
              General Insurance- Risk and insurance concepts
              • 1. Insurable interest
                • 2. Principles of indemnity and utmost good faith
                  • 3. Risk, peril, and hazard
                    - Insurance contracts
                    • 1. Contract elements
                      • 2. Policy provisions and exclusions
                        • 3. Representations, warranties, and concealment
                          Life Insurance Basics- 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. Whole life insurance
                                    • 2. Term life insurance
                                      • 3. Universal life and variable life insurance
                                        - Annuities
                                        • 1. Annuity types and contract characteristics
                                          • 2. Accumulation and distribution phases
                                            • 3. Annuity suitability and consumer protections
                                              - Life insurance underwriting
                                              • 1. Risk classification and underwriting decisions
                                                • 2. Applications and insurable interest
                                                  • 3. Policy delivery and effective dates
                                                    - Life Insurance Uses and Applications
                                                    • 1. Life insurance taxation
                                                      • 2. Personal life insurance needs
                                                        • 3. Business uses of life insurance

                                                          AZ-Insurance-Producer-Life Exam Retake FAQs

                                                          The Insurance Licensing AZ-Insurance-Producer-Life exam is scored on a scale where 70% is required to pass, and the official exam fee is USD 50.

                                                          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.

                                                          You can confirm the current eligibility requirements on the official AZ-Insurance-Producer-Life exam page before you register.

                                                          The Insurance Licensing AZ-Insurance-Producer-Life exam contains 100 scored questions; 5-10 additional unscored experimental questions may be administered questions, and you will have 120 minutes minutes to complete them. Practicing under the same time pressure is one of the most effective ways to prepare for a retake.

                                                          Each of the three versions — PDF, PC test engine, and online test engine — has its own strengths, and the fastest way to find your fit is to try them. Free demos are available for every version, so download each one and compare how the questions, layout, and testing modes feel before you commit.

                                                          Our prices are listed openly on the website, and we run discount promotions during special activities throughout the year. Because promotion dates are not fixed, contact our staff to ask about the current activity schedule — they will tell you exactly when the next discount window opens.

                                                          The Insurance Licensing AZ-Insurance-Producer-Life practice questions are organized around the official exam objectives. Key topics include:

                                                          • General Insurance ()
                                                          • Insurance Regulation (5%)
                                                          • Life Insurance Basics ()

                                                          Studying topic by topic helps you find the weak areas that cost you points last time.

                                                          This package includes 107 practice questions for the Insurance Licensing AZ-Insurance-Producer-Life exam, with verified answers reviewed by an experienced team of IT experts and certified professionals.

                                                          The Insurance Licensing AZ-Insurance-Producer-Life exam requires a score of 70% to pass, and the official registration fee is USD 50. Retake candidates should budget for both the exam fee and a preparation tool that is actually worth the money.

                                                          Insurance Licensing AZ-Insurance-Producer-Life Sample Questions:
                                                          Question #1

                                                          Under the exclusion clause, which is a scenario that would NOT be covered if death resulted?

                                                          • A. A fare-paying passenger in a regularly-scheduled airline
                                                          • B. Army officer killed in the line of duty
                                                          • C. A spectator at an auto race
                                                          • D. Commercial pilot or crew member
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: D  🗳️

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                                                          Question #2

                                                          A Modified Endowment Contract (MEC) differs from other life insurance contracts with regard to the

                                                          • A. amount of interest credited under the policy.
                                                          • B. Federal income tax treatment of distributions during the insured ' s life.
                                                          • C. classes of individuals eligible to be insured.
                                                          • D. amount of death benefits available to the applicant.
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: B  🗳️

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                                                          Question #3

                                                          What is the purpose of the disability income benefit rider in life insurance policies?

                                                          • A. pays a monthly income if the insured becomes disabled
                                                          • B. provides lump-sum payment if the insured becomes disabled
                                                          • C. waives premiums during disability
                                                          • D. allows purchase of additional insurance without proof of insurability
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: A  🗳️

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                                                          Question #4

                                                          A single parent of young twins takes out a term life insurance policy of fifteen years to provide security for the twins until they complete high school. The parent plans to cash the policy in and use the cash surrender value for the twins ' college costs. Is this a sound financial plan?

                                                          • A. No, because the cash surrender value of term policies does not keep up with inflation.
                                                          • B. Yes, because insurance premiums typically have better returns on investments than college savings plans.
                                                          • C. Yes, because the premiums for term policies are more affordable than those of other life insurance policies.
                                                          • D. No, because term insurance policies do not have cash surrender values.
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: D  🗳️

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                                                          Question #5

                                                          Which of the following dividend options will increase the death benefit?

                                                          • A. Accelerated endowment.
                                                          • B. Guaranteed insurability.
                                                          • C. Extended term.
                                                          • D. Paid-up additions.
                                                          Reveal Solution  Discussion  0

                                                          Correct Answer: D  🗳️

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