Download Insurance Licensing : AZ-Insurance-Producer-Life Questions & Answers as PDF & Test Software
Updated: Oct 15, 2026
No. of Questions: 107 Questions & Answers with Testing Engine
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Insurance Licensing AZ-Insurance-Producer-Life Exam Overview:
| Certification Vendor: | Arizona Department of Insurance and Financial Institutions (DIFI) / PSI Services LLC |
|---|---|
| Exam Name: | Arizona Examination for Life Insurance Producer (Series 13-31) |
| Exam Number: | AZ-Insurance-Producer-Life |
| Exam Format: | Computer-based examination, Multiple-choice questions, Online proctored examination, Test center, Closed-book |
| Available Languages: | English (officially documented exam language not explicitly specified in the current bulletin) |
| Related Certifications: | Arizona Insurance Producer License - Accident and Health or Sickness (Series 13-32) Arizona Insurance Producer License - Life, Accident and Health or Sickness (Series 13-33) |
| Passing Score: | 70% |
| Exam Duration: | 120 minutes |
| Real Exam Qty: | 100 scored questions; 5-10 additional unscored experimental questions may be administered |
| Certificate Validity Period: | The Arizona insurance producer license generally expires on the last day of the licensee's birth month; the initial license term is approximately 3-4 years. Renewal terms are generally 4 years. |
| Exam Price: | USD 50 |
| Sample Questions: | Insurance Licensing AZ-Insurance-Producer-Life Sample Questions |
| Exam Way: | Schedule through PSI Services LLC. Available delivery modalities include an in-person test center and an online proctored examination, subject to current scheduling availability and technical requirements. The examination fee is nonrefundable and nontransferable and remains valid for one year from payment. |
| Pre Condition: | Candidates generally must meet Arizona insurance producer licensing eligibility requirements and pass the applicable examination. Arizona generally requires applicants to be at least 18 years old. Prelicensing education requirements should be verified with DIFI. Applicants must submit the required license application within one year after passing the examination. Arizona law limits candidates to four examination attempts within a 12-month period; after four failures, a one-year waiting period applies. |
| Official Syllabus URL: | https://test-takers.psiexams.com/anzins |
Insurance Licensing AZ-Insurance-Producer-Life Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Life Insurance Basics | - Life insurance policy provisions, options, and riders
| |
| Topic 2: Insurance Regulation | 5% | - Licensing
|
| Topic 3: General Insurance | - Insurance contracts
|
Insurance Licensing AZ-Insurance-Producer-Life Sample Questions:
Which of the following occurs during the Annuity Period of an annuity?
- A. Additional premium contributions
- B. Income payments to the annuitant
- C. Owner retains full rights
- D. Tax-deferred growth of funds
Correct Answer: B 🗳️
Explanation: Only visible for TestSimulate members. You can sign-up / login (it's free).
Before the director approves the application of an individual, the director shall find that the individual meets all of the following qualifications EXCEPT
- A. is at least 18 years of age.
- B. has not committed any act that is a ground for denial.
- C. has been appointed by an insurer to act on its behalf.
- D. has paid the appropriate fees.
Correct Answer: C 🗳️
Explanation: Only visible for TestSimulate members. You can sign-up / login (it's free).
An individual is planning for retirement and wants to ensure their beneficiaries receive payments if they pass away early. Which annuity payment option best meets their needs?
- A. Deferred Annuity
- B. Pure Life Annuity
- C. Immediate Annuity
- D. Life Annuity with period certain
Correct Answer: D 🗳️
Explanation: Only visible for TestSimulate members. You can sign-up / login (it's free).
An insurance company is calculating the premium for a new life insurance policy. Given that the company expects to earn a 5% interest rate on invested premiums, how will this interest rate affect the premium amount?
- A. No impact
- B. Increase expenses
- C. Lower premium
- D. Higher premium
Correct Answer: C 🗳️
Reinsurance allows an insurer to
- A. provide greater risk avoidance to another insurer.
- B. transfer risk to policyholders.
- C. transfer risk to another insurer.
- D. provide greater risk transference to policyholders.
Correct Answer: C 🗳️
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