Learn with Insurance Licensing : AZ-Insurance-Producer-Life training material for 100% pass

Updated: Oct 12, 2026

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Insurance Licensing AZ-Insurance-Producer-Life Exam Overview:

Certification Vendor:Arizona Department of Insurance and Financial Institutions
Exam Name:Arizona Insurance Producer Life Examination
Exam Number:AZ-Insurance-Producer-Life
Exam Price:Approx. $55 USD
Related Certifications:Arizona Insurance Producer License - Casualty
Arizona Insurance Producer License - Property
Arizona Insurance Producer License - Accident & Health
Exam Format:Computer-Based Testing, Multiple Choice Questions
Available Languages:English
Passing Score:70%
Real Exam Qty:150
Exam Duration:150 minutes
Certificate Validity Period:License validity is generally perpetual while renewal requirements are met (renewal every 4 years)
Recommended Training:Arizona Approved Insurance Pre-Licensing Education Providers
Exam Registration:Prometric Arizona Insurance Licensing Examination Registration
Arizona Department of Insurance and Financial Institutions - Insurance Licensing
Sample Questions:Insurance Licensing AZ-Insurance-Producer-Life Sample Questions
Exam Way:Computer-based testing at approved testing centers or approved remote testing options.
Pre Condition:Candidate must meet Arizona insurance licensing eligibility requirements, complete required pre-licensing education, and submit an application for licensure.
Official Syllabus URL:https://difi.az.gov/insurance-licensing

Insurance Licensing AZ-Insurance-Producer-Life Exam Syllabus Topics:

SectionObjectives
Life Insurance Products and Policies- Life Insurance Policy Provisions
  • 1. Premiums, cash values, and nonforfeiture options
    • 2. Policy ownership, beneficiaries, and settlement options
      - Types of Life Insurance
      • 1. Term life, whole life, and universal life insurance
        • 2. Variable and specialized life insurance products
          Arizona Insurance Laws and Ethics- Producer Duties and Ethical Practices
          • 1. Consumer protection and fiduciary responsibilities
            • 2. Unfair trade practices and prohibited actions
              General Insurance Concepts- Insurance Regulation
              • 1. Arizona insurance laws and regulations
                • 2. Licensing requirements and producer responsibilities
                  - Insurance Fundamentals and Risk Management
                  • 1. Types of risk and methods of handling risk
                    • 2. Insurance principles and contract concepts
                      Life Insurance Applications and Underwriting- Application Process
                      • 1. Insurance information and consumer protections
                        • 2. Application completion and required disclosures
                          - Underwriting and Policy Issuance
                          • 1. Risk classification and underwriting factors
                            • 2. Policy delivery and replacement rules
                              Life Insurance Taxation and Retirement Planning- Tax Treatment of Life Insurance
                              • 1. Taxation of premiums, benefits, and cash values
                                - Retirement and Estate Planning Concepts
                                • 1. Annuities and retirement income products
                                  • 2. Estate conservation and life insurance uses

                                    Insurance Licensing AZ-Insurance-Producer-Life Sample Questions:

                                    Question #1

                                    A common disaster provision states that if the beneficiary dies from the same accident as the insured individual, the insurer will proceed as if the

                                    • A. beneficiary was never named on the policy.
                                    • B. beneficiary and the insured individual died simultaneously.
                                    • C. beneficiary outlived the insured individual.
                                    • D. insured individual outlived the beneficiary.
                                    Reveal Solution  Discussion  0

                                    Correct Answer: D  🗳️

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                                    Question #2

                                    An employee is covered by a group life insurance policy offered by their employer at no cost to the employee.
                                    Which life insurance option is available to this employee from the group policy insurer if their employment is terminated?

                                    • A. Obtain individual insurance with the same terms as the group policy at the individual premium charged for an insured of the employee ' s age.
                                    • B. Receive individual coverage with the same benefit as the group policy, provided they meet health standards specified for a physical examination.
                                    • C. Obtain individual insurance after 30 days with a discounted premium and a prorated reduced benefit.
                                    • D. Retain the group insurance at the employee ' s expense for 60 days, then become eligible for individual insurance at terms to be negotiated based on health.
                                    Reveal Solution  Discussion  0

                                    Correct Answer: A  🗳️

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                                    Question #3

                                    Which of the following statements is TRUE regarding Waiver of Premium Rider?

                                    • A. The insured will automatically become eligible for Accelerated Death Benefits.
                                    • B. The death benefit will be reduced by the amount of the unpaid premiums.
                                    • C. The policy ' s cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.
                                    • D. There will be no change in the policy ' s rates, benefits, or options other than that the insured no longer has to pay the premiums on the policy.
                                    Reveal Solution  Discussion  0

                                    Correct Answer: D  🗳️

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                                    Question #4

                                    Which of the following individuals has the right to name a beneficiary?

                                    • A. producer
                                    • B. assignee
                                    • C. insured
                                    • D. policyowner
                                    Reveal Solution  Discussion  0

                                    Correct Answer: D  🗳️

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                                    Question #5

                                    A policyholder has named their spouse as the primary beneficiary and their child as the contingent beneficiary. Under what circumstances will the contingent beneficiary receive the death benefit?

                                    • A. The policyholder changes the designation
                                    • B. The primary beneficiary is revocable
                                    • C. The primary beneficiary survives the insured
                                    • D. The primary beneficiary predeceases the insured
                                    Reveal Solution  Discussion  0

                                    Correct Answer: D  🗳️

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