- The exam has 150 items and a 2-hour 30-minute limit, administered by PSI as Series 13-33.
- Life, Accident and Health Insurance Basics is the largest domain at 17% of the exam.
- Arizona allows four attempts per line of authority within a 12-month period.
- Starting September 28, 2026, remote proctoring requires a smartphone as a second-camera device.
Exam Overview: What AZ-LAH Actually Tests
The Arizona Life, Accident & Health Insurance Exam is administered by PSI on behalf of the Arizona Department of Insurance and Financial Institutions. Officially, it's cataloged as Series 13-33, the Arizona Examination for Life, Accident and Health or Sickness Insurance Producer. That's the title you'll see on your candidate handbook, so don't be surprised if the exam feels more formal than the casual "AZ-LAH" shorthand implies.
The official outline specifies 150 scored items delivered in a 2-hour 30-minute window. That works out to roughly one minute per question, which is generous compared to many other producer exams - but only if you've internalized the terminology instead of trying to reason through unfamiliar vocabulary in the room. If you want a deeper walkthrough of how those 150 items are distributed and phrased, the AZ-LAH Exam Domains 2026 guide breaks down each of the 13 content areas individually.
This cheat sheet is meant as a condensed, single-page-style review - not a substitute for full preparation. If you're just starting out, the AZ-LAH Study Guide 2026 is the better starting point; come back here in the final days before your test date to confirm you haven't missed anything structural.
The 13 Domains at a Glance
Every AZ-LAH question maps to one of thirteen domains. Memorize the weights below - they tell you exactly where your study hours should go.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 4% |
| 2. Federal Laws and Regulations | 3% |
| 3. General Insurance Concepts | 7% |
| 4. Life, Accident and Health Insurance Basics | 17% |
| 5. Types of Life Insurance Policies | 9% |
| 6. Life Insurance Policy Provisions, Options, and Riders | 15% |
| 7. Annuities | 7% |
| 8. Individual Accident and Health Insurance Policy Provisions | 8% |
| 9. Disability Income and Related Insurance | 6% |
| 10. Medical Plans | 11% |
| 11. Group Health Insurance | 3% |
| 12. Specialized Health Insurance for Qualified Individuals | 5% |
| 13. Federal Tax Considerations for Life and Health Insurance | 5% |
Notice how four domains - 4, 6, 10, and 5 - together account for more than half the exam. That's not a coincidence; it's the single most important strategic fact on this entire page. For a candidate-level discussion of why the exam feels harder or easier depending on your background, see How Hard Is the AZ-LAH Exam?
High-Weight Domains You Cannot Skip
If your remaining study time is limited, triage in this order.
Domain 4: Life, Accident and Health Insurance Basics (17%)
This is the largest single domain on the exam, so treat it as your anchor topic, not an afterthought.
- Fundamental insurance principles: risk, insurable interest, adverse selection
- Underwriting basics and classification of risk
- Personal history interviews, MIB, and application processing
- Premium factors and how insurers price risk
Domain 6: Life Insurance Policy Provisions, Options, and Riders (15%)
The second-heaviest domain and the one most likely to trip up candidates who only memorize definitions without understanding how provisions interact.
- Standard provisions: grace period, reinstatement, incontestability, misstatement of age
- Nonforfeiture options and settlement options
- Riders: waiver of premium, accidental death, guaranteed insurability
- Beneficiary designations and ownership rights
Domain 10: Medical Plans (11%)
Expect scenario-style questions on plan structure and cost-sharing mechanics rather than pure recall.
- HMO, PPO, POS, and indemnity plan structures
- Deductibles, coinsurance, copayments, and out-of-pocket maximums
- Managed care concepts and network limitations
- Medicare and Medicaid basics as they intersect with private plans
Domain 5: Types of Life Insurance Policies (9%)
Distinguishing policy types by their mechanics - not just their names - is the recurring test skill here.
- Term life variations: level, decreasing, renewable, convertible
- Whole life, universal life, and variable life structures
- Group life and credit life basics
Key Takeaway
Domains 4, 6, 10, and 5 together represent roughly half the exam's weight. Master these four before spending equal time on smaller domains like Group Health Insurance (3%) or Federal Laws and Regulations (3%).
Registration, Fingerprinting & Retake Rules
AZ-LAH's mechanics differ from a typical certification exam because it's a licensing exam tied to a state regulator, not a private credentialing body. Understanding the full pathway matters as much as understanding the content.
- No prelicensing education required. Arizona does not mandate a prelicensing course before you sit for the exam - unusual compared to many other states.
- Fingerprinting is required. Beyond passing the exam, you must complete fingerprinting as part of the licensing eligibility process.
- License application follows the exam. Passing the test is one step; you still apply for the producer license afterward.
- Four attempts per 12 months. Arizona permits up to four attempts per line of authority within a rolling 12-month period. After four failed attempts, candidates must wait a full year before trying again.
For the complete eligibility checklist - including what "licensing eligibility" actually involves before you're allowed to schedule a test - read AZ-LAH Requirements 2026: Eligibility, Prerequisites & How to Qualify. If you're budgeting for the whole process, the AZ-LAH Certification Cost 2026 breakdown covers pricing components step by step, and AZ-LAH Exam Dates 2026 covers scheduling windows at PSI centers.
Remote Proctoring Changes for 2026
If you're planning to test from home rather than at a PSI testing center, there's a specific rule change you need on your radar. Effective September 28, 2026, all remotely proctored Arizona insurance exams - including AZ-LAH - require candidates to use a smartphone as a second-camera security device during the session.
Practically, this means:
- You'll need a functioning smartphone with a camera, positioned as instructed by the proctoring software, in addition to your primary testing device.
- Test-day setup will take longer than a standard webcam-only proctoring check, so build in extra time before your scheduled start.
- Candidates testing before this date under the previous single-camera setup should still confirm current requirements when they book, since proctoring policies can be updated centrally by PSI.
If remote testing doesn't appeal to you, testing at a physical PSI center remains available and sidesteps the second-camera requirement entirely.
One-Week Cheat Sheet Sprint
This isn't a full study plan - for that, use the AZ-LAH Study Guide 2026 - but if you're in the final stretch before test day, this domain-weighted sprint keeps your review proportional to the exam blueprint.
Domain 4 & Domain 6
- Drill insurance basics, underwriting, and policy provisions - the two heaviest domains combined make up 32% of the exam
Domain 10 & Domain 5
- Review medical plan structures and policy types side by side to reinforce contrast between plan mechanics
Domains 8, 9, 3
- Cover accident/health provisions, disability income, and general insurance concepts
Domains 7, 12, 13
- Annuities, specialized health coverage, and federal tax considerations
Domains 1, 2, 11
- Insurance regulation, federal laws, and group health - smaller weights but still tested
Full Review & Timed Practice
- Run full-length timed practice sessions on the AZ-LAH practice test platform to simulate the 150-question, 150-minute format
Quick Reference: Must-Know Terms by Domain
Use this section as a rapid-fire check the night before your exam. If any term feels unfamiliar, flag that domain for one more review pass.
Annuities (Domain 7 - 7%)
Know the distinction between accumulation and payout phases, plus common surrender charge structures.
- Fixed vs. variable vs. indexed annuities
- Immediate vs. deferred annuities
- Annuitization and settlement options
Individual Accident and Health Insurance Policy Provisions (Domain 8 - 8%)
Standard provisions here mirror life insurance concepts but applied to health contracts.
- Insuring clause, free look period, time limit on certain defenses
- Coordination of benefits and pre-existing condition limitations
Federal Tax Considerations for Life and Health Insurance (Domain 13 - 5%)
Focus on taxation of premiums, cash value growth, and benefit payouts.
- Tax treatment of life insurance death benefits
- Modified endowment contract (MEC) rules
- Tax treatment of disability and health benefits
For a domain-by-domain walkthrough with more detail than a cheat sheet allows, revisit the complete guide to all 13 content areas. And if you're wondering whether your score on practice exams reflects readiness for the real thing, the AZ-LAH Passing Score 2026 article explains exactly what you need to clear the bar.
Who Actually Uses This License
Passing AZ-LAH isn't the finish line - it's the entry ticket to selling life, accident, and health products in Arizona. Independent agencies, career-track insurers, and health/benefits brokerages all hire producers who hold this line of authority. If you're evaluating whether the licensing effort is worth it relative to career outcomes, see Is the AZ-LAH Certification Worth It? and the AZ-LAH Salary Guide 2026 for a fuller picture, plus AZ-LAH Jobs for the kinds of roles that typically require this license.
Key Takeaway
This cheat sheet works best as a final review layer on top of real practice. Run several timed sessions on our AZ-LAH practice tests before test day so the 150-question pacing feels automatic rather than stressful.
Frequently Asked Questions
The official outline lists 150 items, to be completed within a 2-hour 30-minute time limit.
Life, Accident and Health Insurance Basics carries the most weight at 17%, followed by Life Insurance Policy Provisions, Options, and Riders at 15% and Medical Plans at 11%.
No. Arizona does not require prelicensing education for this exam, though you must still meet licensing eligibility requirements and complete fingerprinting.
Arizona permits four attempts per line of authority within a 12-month period. After four failed attempts, you must wait one year before testing again.
Effective September 28, 2026, all remotely proctored Arizona insurance exams require candidates to use a smartphone as a second-camera security device during testing.