Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Arizona exam you need 70% on each section.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
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Arizona licenses Life, Accident and Health or Sickness producers through Prometric (the Series 13-33 exam): 150 scored questions, 2 hours 30 minutes, with a national section and an Arizona state-law section each requiring 70% to pass (the two scores are not averaged). This bank covers the general insurance material and the Arizona law (Arizona Revised Statutes Title 20 and Administrative Code Title 20).
You need 70% on each section. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Arizona Revised Statutes (Title 20) for the state-law questions, with the statute section cited in each explanation.
The full Arizona bank contains 942 questions (general insurance plus Arizona law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
An insurer refuses to renew a disability policy solely because the insured is known to be a victim of domestic violence. Under ARS 20-448, this action is:
Why: ARS 20-448(H) prohibits an insurer from refusing to renew, restricting or charging a different rate for coverage solely because the insured is or has been a victim of domestic violence, which is not treated as a mental or physical condition.
Under ARS 20-681, a member insurer placed under a court order of liquidation with a finding of insolvency is defined as a(n):
Why: ARS 20-681(9) defines an insolvent insurer as a member insurer placed under an order of liquidation with a finding of insolvency by a court of competent jurisdiction; an impaired insurer is one placed under rehabilitation or conservation.
A tax-qualified long-term care policy that meets federal standards generally offers:
Why: Tax-qualified LTC policies (under HIPAA standards) pay benefits income-tax-free (within per-diem limits) and allow a limited premium deduction.
Agreements among insurers to restrain trade or force someone out of business are the unfair practices known as:
Why: Boycott, coercion, and intimidation are unfair trade practices involving combinations or threats that restrain or monopolize the business of insurance.
Under ARS 20-1691.03, an insurer may NOT cancel or nonrenew a long-term care policy solely because of:
Why: ARS 20-1691.03 bars cancellation, nonrenewal, or termination solely on the grounds of the insured's age or the deterioration of mental or physical health — therefore age or declining health.
Under ARS 20-452, offering prizes, goods, or merchandise as an inducement to insurance is prohibited when the aggregate value exceeds:
Why: ARS 20-452(A)(4) prohibits offering prizes, goods, wares, merchandise or tangible property of an aggregate value of more than $100 as an inducement to insurance.
Two business partners actively managing their firm want mutual life coverage. Under ARS 20-1251, this arrangement is treated how?
Why: ARS 20-1251(B)(2) exempts policies insuring only individuals having a common business-ownership interest who are actively engaged in management — therefore it is exempt from the group-qualification requirement.
Under ARS 20-1267, on termination of the group policy the convertible individual amount is capped at the smaller of the ceasing coverage or what dollar figure?
Why: ARS 20-1267 caps the individual amount at the smaller of the ceasing protection (less other group coverage) or two thousand dollars — therefore $2,000.
In an 'entity' (stock redemption) buy-sell agreement funded with life insurance:
Why: In an entity plan the business owns the policies and purchases a deceased owner's share; in a cross-purchase plan the owners insure each other.
A terminally ill insured wants early access to his policy's death benefit. Under ARS 20-1136, acceleration of death benefits is allowed upon which event?
Why: ARS 20-1136(A) authorizes acceleration on the occurrence of a terminal illness, a catastrophic illness, or eligibility for long-term care — therefore that combination.
Which policy combines flexible premiums with cash value invested in separate accounts and requires a securities license to sell?
Why: Variable universal life adds separate-account investing (securities-licensed) to universal life's flexible premiums.
Under the fixed-amount settlement option, the insurer pays:
Why: Fixed-amount pays a chosen dollar amount each period until the proceeds plus interest are exhausted; fixed-period instead fixes the duration.
A person is becoming eligible for Medicare in 2026. Under R20-6-1101, Medicare supplement Plans C and F may not be sold to individuals newly eligible for Medicare:
Why: Under the incorporated standards adopted by R20-6-1101, Part B deductible plans (C and F) may not be sold to individuals newly eligible for Medicare on or after January 1, 2020 — therefore that date applies.
Medicare Savings Programs (such as QMB) help low-income beneficiaries by:
Why: Medicaid-administered Medicare Savings Programs (QMB, SLMB, QI) help pay Medicare premiums, deductibles, and coinsurance for those with limited means.
Under ARS 20-1136, a life insurance policy may provide for acceleration of death benefits upon a terminal illness, a catastrophic illness, or:
Why: ARS 20-1136 permits accelerated payment of death benefits upon a terminal illness, a catastrophic illness, or eligibility for long-term care — therefore eligibility for long-term care.
A rating practice specifically prohibited by Arizona's Medicare supplement rule (R20-6-1101) is:
Why: R20-6-1101 modifies the incorporated model to prohibit an insurer from filing a rate structure based upon attained-age rating — therefore attained-age rating is prohibited.
Under ARS 20-761, 'reciprocal' insurance is effected through a common:
Why: ARS 20-761 defines reciprocal insurance as an inter-exchange among subscribers effectuated through an attorney-in-fact common to all of them — therefore an attorney-in-fact.
Under ARS 20-703, a 'stock' insurer is an incorporated insurer with capital divided into shares and owned by its:
Why: ARS 20-703 defines a stock insurer as an incorporated insurer with capital divided into shares and owned by its shareholders — therefore its shareholders.
A group long-term disability plan uses 'own occupation' for 24 months, then 'any occupation.' After 24 months, an insured who can work at a suitable job:
Why: Once the definition shifts to any occupation, an insured able to work in a suitable job no longer meets the disability standard.
Under ARS 20-1243.02, the annuity suitability article does NOT apply to which sale?
Why: ARS 20-1243.02(2)(a) exempts contracts used to fund an ERISA-covered employee pension or welfare benefit plan — therefore the ERISA-plan annuity.
Under ARS 20-1226, which death-cause exclusion is expressly permitted in a life policy?
Why: ARS 20-1226(A)(3) permits an exclusion for death as a result of a specified hazardous occupation — therefore hazardous occupation.
A temporary insurance license is most commonly issued to:
Why: Temporary licenses (no exam) let someone service an existing book when a producer dies, becomes disabled, or enters military service.
Under ARS 20-1269, if late notice extends the conversion period, that extension may not in any event go beyond how many days after the original expiration date?
Why: ARS 20-1269 provides the additional period expires 15 days after notice but in no event extends beyond sixty days after the original expiration date — therefore 60 days.
An insured can perform some but not all job duties and returns to work part-time at reduced pay. The benefit that responds is:
Why: Residual/partial disability pays a reduced benefit when the insured can work partially or at reduced earnings.
Under ARS 20-1228, a life insurer holding policy proceeds under a settlement agreement may do what with the funds?
Why: ARS 20-1228 provides the insurer need not segregate the funds and may hold them as part of its general assets — therefore hold them unsegregated as general assets.
Renewable term insurance lets the owner renew at the end of each term:
Why: Renewability guarantees renewal without proving insurability, though the premium rises with age.
Under ARS 20-1107, life insurance normally requires the insured's consent. Which situation is a listed exception?
Why: ARS 20-1107(1) lets a spouse effectuate insurance upon the other spouse without that spouse applying or consenting — therefore that is the listed exception.
Under ARS 20-463, a person who acts without malice or bad faith and reports a suspected fraudulent insurance act to the department is:
Why: ARS 20-463(B) provides that a person who acts without malice, fraudulent intent or bad faith is not subject to liability for furnishing information about suspected fraudulent insurance acts to the director or department.
An inflation protection feature in a long-term care policy:
Why: Inflation protection increases the daily/monthly benefit over time so coverage keeps pace with rising long-term care costs.
Under ARS 20-203, a 'domestic' insurer is one formed under the laws of:
Why: ARS 20-203 defines a domestic insurer as one formed under the laws of this state — therefore this state.