Arizona Life & Health practice exam

Practice for the Arizona Life & Health licensing exam under real exam conditions.

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The real exam, at a glance

administers the exam: Prometric
questions (150 scored, 5 unscored): 155
minutes, one sitting: 150

Written against Prometric outline 13-33-2020-01-22.

Sources, checked 20 October 2026

Arizona Life & Health examination content outline (13-33), the content outline and the exam format figures this page states (question counts, time limit and, where the vendor publishes one, the passing score); the exam fee is set by the testing vendor or the state, so check the current figure with Prometric. Checked 20 October 2026.

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Insurance Regulation
1.An Arizona group disability insurer wants to offer premium rewards to employees who take part in a wellness program. How does Arizona's unfair discrimination and inducement law treat those rewards?
Answer: B. They are permitted if the program satisfies the requirements for an exception from the federal bar on discrimination by health factor.
Ariz. Rev. Stat. Sec. 20-450(B) provides that Sec. 20-448 and Sec. 20-452 do not prohibit any person from providing or offering certain things, and its first two paragraphs are about wellness programs. Paragraph 1 covers group disability insurance: an insurer may offer a reward or an incentive through a wellness program, so long as that program qualifies for the exception federal law gives to its own general bar on discriminating by health factor — the Health Insurance Portability and Accountability Act of 1996, together with the regulations issued under it. Paragraph 2 covers individual disability insurance and asks the program to satisfy the equivalent of those requirements. So the permission is real but conditional, and the condition is compliance with that federal exception, which is why calling the rewards unconditional is wrong and why treating any health-factor reward as discrimination in itself is wrong too: Arizona has set Sec. 20-448 and Sec. 20-452 aside for a program that meets the condition. Requiring one identical reward regardless of participation would strip out the link to participation that makes the payment an incentive at all, and the subsection imposes no such uniformity. Paragraph 3 separately permits products and services ancillary or related to a life or disability policy that are meant to head off claims-related losses or expenses, to deter injury or death, or to improve an insured's health or financial wellness.
Source
Ariz. Rev. Stat. Sec. 20-450(B) (Practices not prohibited as discrimination or rebates in life and disability insurance; wellness programs; definition), paragraphs (1), (2) and (3); Arizona Series 13-33 outline I.B (State regulation)
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What's included

Full-length timed exams

155 questions in 150 minutes, weighted the way the content outline weights them.

A verified question bank

439 questions, every answer explained and cited to the statute, rule or policy form it rests on.

Topic quizzes

Short sets on whatever you're weakest at.

Readiness score

It moves as you practice, weighted by topic. Book the real exam when it says you are ready.

What is actually on the Arizona Life & Health exam

15 areas, each carrying the share of the exam its content outline gives it. Here is what we hold against every one of them.

1Insurance Regulation
30 verified · 4% of the exam
10Disability Income
34 verified · 4% of the exam
11Medical Plans
32 verified · 6% of the exam
12Group A&H Insurance
12 verified · 6% of the exam
13Dental Insurance
9 verified · 3% of the exam
14Seniors and Special Needs
32 verified · 8% of the exam
15Federal Tax Considerations (A&H)
20 verified · 3% of the exam
2General Insurance
45 verified · 6% of the exam
3Life Insurance Basics
52 verified · 12% of the exam
4Life Insurance Policies
28 verified · 10% of the exam
5Life Policy Provisions, Options and Riders
34 verified · 10% of the exam
6Annuities
34 verified · 9% of the exam
7Federal Tax Considerations (Life and Annuities)
12 verified · 4% of the exam
8Disability (A&H) Basics
45 verified · 9% of the exam
9Individual Disability Policy Provisions
20 verified · 6% of the exam

439 verified questions across the 15 areas. Try a few of them free, or read what a Arizona Life & Health sitting looks like before you decide how to study for it. Counts are read from the bank itself, so this list is what exists today, not what is planned.

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Arizona Life & Health questions

How many questions are on the Arizona Life & Health exam?

The exam presents 155 questions, of which 150 are scored. The remainder are unscored pretest items that do not affect your result.

How long is the Arizona Life & Health exam?

You have 150 minutes.

How much does the Arizona exam cost?

Prometric sets the exam fee and can change it, so we do not print a figure here. Check the current fee in the candidate bulletin or handbook from Prometric before you book. It is charged again for each attempt.

Who administers the exam?

Prometric, on behalf of the state.

Are these practice questions the real exam questions?

No. Every question is original work written against the published exam content outline. Reproducing live exam questions would be both unlawful and useless preparation.

How do I know when I am ready?

A readiness score tracks your accuracy in each exam area, weighted the way the published content outline weights them. It stays hidden until you have answered enough questions across enough areas for it to mean anything.

Can I use it on my phone?

Yes. Everything works in your phone's browser, with no app to install.

How do refunds work?

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Arizona Life & Health practice exam

The real exam, at a glance

Try a question

1.An Arizona group disability insurer wants to offer premium rewards to employees who take part in a wellness program. How does Arizona's unfair discrimination and inducement law treat those rewards?

What's included

Full-length timed exams

A verified question bank

Topic quizzes

Readiness score

What is actually on the Arizona Life & Health exam

1Insurance Regulation

10Disability Income

11Medical Plans

12Group A&H Insurance

13Dental Insurance

14Seniors and Special Needs

15Federal Tax Considerations (A&H)

2General Insurance

3Life Insurance Basics

4Life Insurance Policies

5Life Policy Provisions, Options and Riders

6Annuities

7Federal Tax Considerations (Life and Annuities)

8Disability (A&H) Basics

9Individual Disability Policy Provisions

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Arizona Life & Health questions