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.
Experience rating in workers' compensation works by comparing an individual employer's actual losses to:
Why: Experience rating compares an employer's actual loss experience to the average expected losses for similar employers, producing a credit or debit modification.
The Information Page of the Workers Compensation policy is most analogous to which component of other commercial policies?
Why: The Information Page functions like a declarations page, showing the insured, policy period, listed states, classifications, premium basis, and limits for Part Two.
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.
Under ARS 20-2121, the department is authorized to enforce the privacy provisions of which federal law?
Why: ARS 20-2121(A) authorizes the department to enforce Title V, Subtitle A of the Gramm-Leach-Bliley Act relating to privacy of nonpublic personal information — therefore option 0.
Under ARS 28-4008, the automobile assigned risk plan exists for applicants who:
Why: ARS 28-4008(A): the plan provides equitable apportionment for applicants in good faith unable to procure a policy through ordinary methods.
An employer headquartered in one state sends a crew temporarily into another state not listed on the policy. Which Part of the policy is designed to provide coverage in states not listed in Part One?
Why: Part Three (Other States Insurance) extends coverage to operations in states listed in the Part Three item, providing benefits if the insured incurs WC obligations in a state not shown in Part One.
Cyber/Network security liability insurance is designed primarily to address:
Why: Cyber policies cover first- and third-party costs from data breaches, privacy claims, and network security incidents.
Under ARS 20-666, the board may assess member insurers, but not more in any year on any account than what percentage of the insurer's net direct written premiums?
Why: ARS 20-666(B) provides that no member insurer may be assessed in any year on any account more than one percent of its net direct written premiums for the preceding calendar year.
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.
Under ARS 20-1109, statements made by an insured in an application are treated as:
Why: ARS 20-1109 provides that all statements and descriptions in an application are deemed representations and not warranties.
Theft coverage under the standard Dwelling Policy is:
Why: The Dwelling Policy does not include theft coverage by default; it must be added by a theft coverage endorsement.
Under ARS 20-447, making a false entry in an insurer's records to deceive an examiner is prohibited when done with what state of mind?
Why: ARS 20-447 prohibits false financial statements and false entries in an insurer's books made with intent to deceive an agent, examiner or public official.
Under ARS 20-167, fees collected by the director under the fee schedule are:
Why: ARS 20-167(A) and (B) make the fees nonrefundable on payment, with no refund of any unused portion and no proration — therefore option 3.
Under ARS 23-1046, burial (funeral) expenses for a work-related death are payable up to:
Why: ARS 23-1046(A)(1): burial expenses are payable up to $5,000 in addition to the compensation — therefore $5,000.
Actual cash value (ACV) is most commonly calculated as:
Why: ACV is typically replacement cost at the time of loss minus depreciation for age, wear, and obsolescence.
Compensatory damages are intended to:
Why: Compensatory damages reimburse the claimant for actual losses suffered, restoring them to their pre-loss condition.
Under ARS 28-4133, an authorized insurer must issue at least how many insurance identification cards per policy?
Why: ARS 28-4133(A): the insurer shall issue at least two motor vehicle insurance identification cards.
The principle of utmost good faith (uberrimae fidei) means that:
Why: Utmost good faith requires both parties to deal honestly and disclose all material facts when forming the contract.
Under ARS 20-449, offering a life insurance applicant a rebate of premium not specified in the contract is:
Why: ARS 20-449 prohibits, as an inducement to life or disability insurance, any rebate of premium, special favor or valuable consideration not specified in the contract.
A common carrier's legal liability for cargo it transports is generally:
Why: Common carriers have a high but not absolute liability for goods; they are excused for losses from acts of God, public enemy, inherent vice, shipper's fault, and public authority.
An insurance policy is a unilateral contract because:
Why: In a unilateral contract, only one party, the insurer, makes a legally enforceable promise; the insured is not legally obligated to pay future premiums.
The primary purpose of a coinsurance clause in property insurance is to:
Why: Coinsurance encourages insureds to insure to value (e.g., 80%, 90%, or 100%) by penalizing underinsurance at the time of a loss.
An employer operates in a monopolistic state fund jurisdiction and also wants protection against employee lawsuits not covered by the fund. The appropriate solution is:
Why: Because monopolistic funds provide statutory benefits but not employers liability, a stop gap endorsement (employers liability) on the employer's general liability or WC policy fills that exposure.
Under ARS 20-284, the director must make the licensing examination available to applicants at least how often?
Why: ARS 20-284(C) requires the exam be made available with reasonable frequency but at least every sixty days — therefore option 0.
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.
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.
After a hearing, the director finds a particular P&C market noncompetitive. Under ARS 20-385, the director may then order that rates be filed:
Why: ARS 20-385(G) allows the director, on finding a market noncompetitive, to order that rates and changes be filed at least thirty days before the effective date — therefore option 1.
A crew member (seaman) injured aboard a vessel in navigation would most likely pursue a claim under which law?
Why: The Jones Act protects seamen (crew members of vessels in navigation), allowing them to sue their employer for injuries caused by negligence, borrowing FELA's fault-based framework.
Under ARS 20-408, a surplus lines broker must file with the director a verified report that includes:
Why: ARS 20-408(A) requires the broker's verified report to include the insurer's name and NAIC identification number, the policy number, the insured's location, the premium and the coverage written.
Under ARS 20-281, a person's 'home state' for producer licensing is generally where the person:
Why: ARS 20-281(4) defines home state as where the producer maintains a principal place of residence or business and is licensed as a resident producer — therefore option 2.