Arkansas Life & Health Exam Overview

Arkansas Life & Health Insurance State

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1 Introduction: Arkansas Life & Health Insurance Exam Overview

Arkansas Life & Health Exam Overview

2 Chapter 1: Arkansas Insurance Regulation & Licensing

1.1 Arkansas Insurance Department 1.2 Arkansas Producer Licensing Requirements 1.3 License Maintenance and Continuing Education

3 Chapter 2: Arkansas Life Insurance Laws

2.1 Arkansas Life Insurance Policy Requirements 2.2 Arkansas Annuity Regulations 2.3 Arkansas Replacement Rules

4 Chapter 3: Arkansas Health Insurance Laws

3.1 Arkansas Health Insurance Policy Requirements 3.2 Arkansas Medicare Supplement (Medigap) Regulations 3.3 Arkansas Disability and Long-Term Care Insurance

5 Chapter 4: Arkansas Insurance Ethics & Prohibited Practices

4.1 Unfair Trade Practices 4.2 Producer Conduct and Fiduciary Duties 4.3 Arkansas Life and Health Insurance Guaranty Association

Arkansas Life & Health Exam Overview

Key Takeaways Explain This Topic AI

Arkansas requires 20 hours of approved pre-licensing education per line of authority, so a combined Life & Health applicant completes 40 hours.

PSI Services LLC administers the exam for the Arkansas Insurance Department; you need 70% to pass, the fee is $50 per exam, and results are scored immediately.

The Life and Health exams each have 100 scored questions (70 general + 30 Arkansas) plus 10 pretest questions, within a 150-minute appointment (PSI outlines).

Resident producers must complete 24 hours of continuing education every two years, including 3 hours of ethics, and renew on or before their birthday.

The Arkansas Life & Health Insurance Guaranty Association protects covered policyholders up to statutory limits if an insurer becomes insolvent.

Last updated: October 2026

About the Arkansas Life & Health Exam

The Arkansas Life & Health insurance examination is administered by PSI Services LLC under contract with the Arkansas Insurance Department (AID) . "Life" and "Health" are two separate lines of authority : you may sit for one or both. Each exam blends national insurance fundamentals with Arkansas statute and rule. The graded content covers:

• Arkansas Insurance Code (Title 23) and AID rules
• Life insurance principles, policies, provisions, and riders
• Health insurance: major medical, disability income, Medicare supplement, and long-term care (LTC)
• Annuities and retirement income products
• Ethics, producer duties, and unfair trade practices
• Exam structure by line

• Exam Component Life Insurance Health (Accident & Sickness)
• Provider PSI Services LLC PSI Services LLC
• Scored questions 100 (70 general + 30 state) 100 (70 general + 30 state)
• Pretest (unscored) questions 10 (5 general + 5 state) 10 (5 general + 5 state)
• Appointment time 150 minutes (90 general + 60 state) 150 minutes (90 general + 60 state)
• Passing score 70% on each section 70% on each section
• Format Computer-based multiple choice Computer-based multiple choice
• Fee $50 $50

Pretest questions are scattered, unmarked, and do not count toward your score, so answer every item. A combined L&H candidate sits for both exams (Life and Health), paying $50 each. Worked example: to pass the Life general section you must answer at least 49 of 70 scored items correctly (70 x 0.70 = 49), and at least 21 of 30 on the state section. Missing the threshold on either section fails that exam, even if your blended average exceeds 70%.

Trap: You must pass each section independently . A 90% on general cannot rescue a 60% on Arkansas state law. Treat the state-law section as its own exam.

Pre-licensing education and the path to test

Arkansas requires approved pre-licensing education before you sit for the exam. Under AID Rule 31, each line requires a 20-hour course of instruction.

• License Type Pre-Licensing Hours
• Life only 20 hours
• Accident & Health only 20 hours
• Combined Life & Health 40 hours (20 per line)

The state-prescribed Life curriculum allocates hours roughly as: 1 hour introduction to insurance, 5 hours state insurance laws and rules, 5 hours life insurance basics, 5 hours life policies and provisions, 3 hours annuity contracts, and 1 hour ethics. Courses must be AID-approved , end with a passing course final exam, and the certificate of completion is valid for two years .

Step-by-step licensing path

In Arkansas you apply before you test (PSI Arkansas bulletin, June 18, 2025):

Complete pre-licensing education with an AID-approved provider; keep the certificate.

Apply through NIPR (nipr.com) with the electronic resident licensing application and pay the $20 NIPR application fee.

Complete the online criminal background check for AID.

Wait for approval — AID reviews the application, and PSI emails you once you are approved to test.

Schedule and pass the PSI exam ; pay $50 per exam and bring your pre-licensing certificate to every attempt.

Print your license from NIPR 24 hours after you pass.

Retake rules

• Situation Rule
• Approval window Pass within 90 days of the original approval date
• Attempts At most 3 attempts within that 90-day permit period, $50 each
• Not passed in 90 days or after 3 attempts Wait four weeks, then repeat the whole approval-to-test process

Trap: Pre-licensing certificates expire after two years. If you delay testing past that window, you must retake the full course before you may sit again. Schedule the exam well inside the two-year validity period.

License maintenance and special training

Arkansas resident producers renew on a two-year (biennial) cycle, due on or before the licensee's birthday . Renewal requires meeting continuing-education (CE) obligations.

• Requirement Detail
• CE hours 24 hours every 2 years
• Ethics 3 of the 24 hours must be ethics
• License term 2 years
• Renewal deadline On or before producer's birthday

Certain product lines require one-time or recurring training beyond general CE:

Annuity Best Interest training — a one-time course required before soliciting annuities (aligned with the NAIC Suitability in Annuity Transactions model adopted by Arkansas).

Long-term care (LTC) — initial LTC training plus ongoing refresher hours each renewal before selling LTC partnership-qualified policies.

Flood/NFIP — producers selling federal flood policies must meet the federal one-time minimum training requirement.

Why the Guaranty Association matters on the exam

The Arkansas Life & Health Insurance Guaranty Association is a statutory safety net: if a member insurer becomes insolvent, the Association pays covered claims up to statutory caps (commonly tested as $300,000 in life death benefits, $300,000 in life net cash surrender value, $300,000 in present-value annuity benefits, and up to $500,000 in major-medical health benefits per individual, subject to an overall $300,000 per-life aggregate that rises to $500,000 for basic/major-medical health coverage).

It is funded by assessments on member insurers , never by taxpayer money, and producers are prohibited from using the Association in advertising to sell policies.

Trap: The Guaranty Association protects policyholders , not the failed insurer, and advertising its protection to induce a sale is an unfair trade practice under Arkansas law. Expect at least one question pairing the dollar limits with the advertising prohibition.

How to study this Arkansas guide

This FREE guide concentrates on Arkansas-specific law and rule layered on top of national L&H fundamentals. Use it alongside a national study package — the state section is where many otherwise-prepared candidates lose points.

What the chapters cover

Chapter 1 — Regulation & Licensing: AID authority, producer licensing, appointments, and CE.

Chapter 2 — Life Insurance Regulations: Arkansas policy provisions, free-look and replacement rules, and the Guaranty Association.

Chapter 3 — Health Insurance Regulations: group vs. individual rules, Medicare supplement, and marketplace coverage.

Chapter 4 — Ethics & Consumer Protection: producer duties, prohibited practices, penalties, and complaint procedures.

Suggested 6-week plan

• Phase Focus Approx. hours
• Weeks 1-2 Pre-licensing course (general principles) 20
• Weeks 3-4 Pre-licensing course + Arkansas state law 20
• Week 5 Practice exams; drill the state-law section 10-15
• Week 6 Final review; target weak topics to 80%+ 8-10
• High-yield Arkansas anchors to memorize

70% pass mark on each section; $50 fee per exam; PSI is the vendor.

20 pre-licensing hours per line (40 combined); certificate valid 2 years.

24 CE hours / 2 years, 3 of them ethics ; renew by your birthday.

Guaranty Association limits and the advertising prohibition.

Useful contacts

• Resource Detail
• Arkansas Insurance Department insurance.arkansas.gov
• AID Licensing Division (501) 371-2750
• PSI scheduling psi.com / 1-800-733-9267
• License application nipr.com

Trap: Do not assume national numbers (e.g., another state's CE total) apply to Arkansas. When a question says "in Arkansas," the answer is governed by Title 23 and AID rules — match the exact Arkansas figure, not a generic one.

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