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.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Arizona licenses Property and Casualty producers through Prometric (the Series 13-34 exam): 150 scored questions, 2 hours 30 minutes, with a national section and an Arizona state-law section each requiring 70% to pass. This bank covers the national property & casualty material plus Arizona law - the 25/50/15 minimum auto limits and Motor Vehicle Financial Responsibility Law (Title 28), UM/UIM, surplus lines, the Property & Casualty Guaranty Fund, personal and commercial cancellation/nonrenewal, and workers' compensation (Title 23).
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 (Titles 20, 23 and 28) for the state-law questions, with the statute section cited in each explanation.
The full Arizona bank contains 980 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.
The Business Auto physical damage coverage offers which coverage categories?
Why: BACF physical damage can be written as Comprehensive, Specified Causes of Loss (a narrower named-peril option), and Collision.
Under ARS 41-1080, before a state agency issues a license to an individual, the individual must provide documentation of:
Why: ARS 41-1080(A) requires documentation that the individual's presence in the U.S. is authorized (citizenship or lawful alien status) before a license is issued — therefore option 1.
Coverage E in a Homeowners policy provides:
Why: In Section II of the Homeowners policy, Coverage E is Personal Liability, paying for bodily injury and property damage the insured is legally liable for.
Inland marine transportation coverage frequently insures property:
Why: Inland marine transportation coverage protects goods in transit over land (and inland waterways), reflecting marine insurance's roots in covering moving property.
A ship's captain orders cargo jettisoned to keep the vessel from sinking in a storm; the ship and remaining cargo are saved. The loss to the jettisoned cargo is handled as:
Why: Voluntarily sacrificing cargo to save the venture is a general average loss, shared proportionally among ship, cargo, and freight interests.
Under ARS 20-451, for insurance other than life or disability, a producer may lawfully provide which of the following to an insured?
Why: ARS 20-451(B) exempts ancillary loss-mitigation products and services such as fire or smoke detectors and risk audits from the anti-rebating prohibition.
Under ARS 23-901, a compensable 'personal injury by accident arising out of and in the course of employment' includes an injury caused by:
Why: ARS 23-901(13)(b): it includes an injury caused by the wilful act of a third person directed at the employee because of the employment.
A policyholder misses a monthly installment (not the first) and the insurer cancels for nonpayment. Under ARS 20-1632.01:
Why: ARS 20-1632.01(B): after the grace period the insurer must still send the policyholder a notice of cancellation for nonpayment.
To insure a $25,000 diamond ring for all-risk coverage with no special sublimit and often no deductible, the best option is:
Why: Scheduling the ring on a Personal Articles Floater (scheduled personal property endorsement) provides broad coverage above the Coverage C jewelry sublimit, typically with no deductible.
Under ARS 20-661, a covered claim does NOT include:
Why: ARS 20-661(3) excludes from covered claims any amount due a reinsurer, insurer or pool as subrogation recoveries and pre-insolvency attorney fees.
An insurer plans an investigative consumer report on a homeowners applicant. Under ARS 20-2107, before preparing it the insurer or producer must inform the individual that they may:
Why: ARS 20-2107(A) requires informing the individual they may request to be interviewed and, on request, receive a copy of the investigative consumer report — therefore option 3.
A rating method that uses an individual risk's actual past loss experience to adjust its premium is:
Why: Experience or merit rating modifies premium based on the insured's own loss history, rewarding favorable experience.
Under ARS 20-1109, a misrepresentation in an application will NOT prevent recovery unless it is fraudulent, material, or:
Why: ARS 20-1109 bars recovery only if the misrepresentation is fraudulent, material to the risk, or such that the insurer in good faith would not have issued the policy had the true facts been known.
Under ARS 20-259.01, an insurer that pays an insured under uninsured motorist coverage may:
Why: ARS 20-259.01(I): the insurer may subrogate and sue the responsible uninsured motorist for reimbursement.
A new NFIP flood policy generally does not take effect until how many days after the application and premium are submitted?
Why: The NFIP imposes a standard 30-day waiting period before a new flood policy becomes effective, to discourage buying coverage only when a flood is imminent.
Under ARS 20-2113, an insurer generally may NOT disclose personal or privileged information about an individual unless the disclosure is:
Why: ARS 20-2113 prohibits disclosure unless it falls within an enumerated exception, such as the individual's written authorization — therefore option 2.
Errors and omissions (E&O) insurance protects a producer against:
Why: E&O coverage responds to claims that the producer was professionally negligent, such as failing to obtain requested coverage, and is a key protection against the producer's professional liability exposure.
Under ARS 28-4009, an owner's policy may exclude a named person as an insured driver only if:
Why: ARS 28-4009(A)(3): exclusion of a named driver requires a written agreement between the named insured and the insurer.
To be eligible for a standard Personal Auto Policy, a private passenger auto generally must be:
Why: PAP eligibility generally requires the vehicle be owned by an individual or by a husband and wife (or resident individuals) and used for personal, not commercial livery, purposes.
Compared with a loss payable clause, a standard mortgage clause gives the mortgagee:
Why: A standard (union) mortgage clause grants the mortgagee independent rights, so it may still be paid even if the insured's claim is voided by certain acts.
An insurer wishing to comply with GLBA must provide its initial privacy notice to a customer:
Why: GLBA requires delivery of a privacy notice when the customer relationship is established and, historically, an annual notice describing information-sharing practices.
An insured who leaves a car unlocked with keys inside because insurance will cover it demonstrates:
Why: A morale hazard arises from carelessness or indifference to loss because insurance exists, increasing the likelihood of loss.
Under ARS 20-2106, a valid disclosure authorization form must, among other things, be:
Why: ARS 20-2106(1) and (2) require the authorization form to be written in plain language and dated — therefore option 2.
Under ARS 23-1044, the scheduled award for the loss of a major arm is:
Why: ARS 23-1044(B)(13): loss of a major arm is compensated for sixty months — therefore 60 months.
Professional Liability / Errors & Omissions (E&O) coverage responds to claims arising from:
Why: E&O covers financial harm to clients from a professional's negligent acts, errors, or omissions in delivering services.
The doctrine of reasonable expectations holds that coverage should be interpreted according to:
Why: Under reasonable expectations, ambiguous policy terms are interpreted to honor the coverage a reasonable insured would expect, especially given contracts of adhesion.
A personal auto insured pays the second installment 5 days late. Under ARS 20-1632.01, the insurer must:
Why: ARS 20-1632.01(A) guarantees at least a seven-day grace period for premiums other than the first, so a payment 5 days late keeps the policy in full force.
Under ARS 20-1120, the binder rules do NOT apply to which lines?
Why: ARS 20-1120(D) states the section does not apply to life or disability insurances.
Under ARS 20-106, which act constitutes 'transacting' insurance?
Why: ARS 20-106(A)(1) lists solicitation and inducement among the acts that constitute transacting insurance — therefore option 2.
Under ARS 20-1653, all notices of cancellation or nonrenewal of a covered personal-lines policy must:
Why: ARS 20-1653 requires all cancellation or nonrenewal notices to be in writing, sent to the named insured and to state the specific facts constituting the grounds relied on.