Arizona Producer Licensing
The state portion of the Arizona life and health exam begins with how a person becomes and stays a licensed producer in Arizona. This chapter covers the Arizona Department of Insurance and Financial Institutions and its authority, the license you need to sell life and health products, how appointments connect you to an insurer, and the continuing education and renewal rules that keep the license active. These state rules sit on top of the shared national concepts and are the most heavily weighted part of the supplement.
The Arizona Department of Insurance and Financial Institutions and Its Authority
Arizona regulates insurance through the Department of Insurance and Financial Institutions (DIFI), created in 2020 by merging the former Arizona Department of Insurance with the Department of Financial Institutions. DIFI is led by a Director and was formed in 2020 by combining the former Department of Insurance with the Department of Financial Institutions. The regulator has authority to issue, deny, suspend, and revoke licenses, adopt rules, investigate complaints, and enforce the state insurance code. Knowing which body — not a bank or financial-services agency — licenses producers is a common exam point.
License Types and Qualifications
To sell life and health products in Arizona, a producer obtains a resident producer license with the life line of authority and the accident and health (or sickness) line of authority. Applicants generally must be at least 18, complete an application, pass the state licensing examination through the department's testing vendor, submit to a background check (often including fingerprints), and pay the required fee. Any prelicensing course-hour requirement is set by the department; confirm the current rule before scheduling the exam.
Appointments and Continuing Education
Holding a license lets a person act as a producer, but to represent a specific insurer the company must appoint the producer and file that appointment with the department; a producer may hold appointments with several insurers at once. Licenses renew on a set cycle, and Arizona requires approved continuing education — including an ethics component — each renewal period, plus the renewal fee. Letting CE or renewal lapse can cause the license to expire, after which reinstatement rules and penalties may apply. Always verify current CE hour totals with the department.
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State-specific details
State exam facts
- State regulator
- Arizona Department of Insurance and Financial Institutions
- Exam vendor
- PSI
- Passing score
- 70%
Who regulates life & health insurance licensing in Arizona?
The Arizona Department of Insurance and Financial Institutions (DIFI) licenses producers. As of September 2025, PSI Services replaced Pearson VUE as Arizona's licensing-exam vendor, so candidates now register through PSI.
How is the Arizona life & health exam administered?
The Life, Accident and Health or Sickness exam is delivered by PSI Services on behalf of DIFI, and a minimum score of 70% is required to pass.
Does Arizona require prelicensing education for the life & health exam?
Arizona's prelicensing requirement has been the subject of recent changes; confirm the current requirement directly with DIFI before enrolling in a course.
Sources: https://difi.az.gov, https://www.psiexams.com/
In the Arizona Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.