Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 900 practice questions - 276 for Life, 280 for Health, and 384 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

What is 'workers compensation' insurance?

Coverage for employees injured on the job, regardless of fault

Coverage for employees injured on the job when the employer is proven negligent

Coverage for employers sued by employees for wrongful termination

Coverage for lost wages when an employee is laid off or furloughed

Is workers compensation insurance required?

Yes, it's mandatory in most states for employers with employees

No, it's optional in every state unless the employer elects coverage

Yes, it's required in every state for employers with 50 or more employees

Yes, it's required by federal law for every employer nationwide

What is the insured's first duty after a loss?

Promptly notify the insurance company of the loss

File a sworn proof of loss before any other action

Obtain repair estimates from at least two contractors

Begin permanent repairs to restore the property

What is a 'proof of loss'?

A formal sworn statement from the insured documenting the loss

A report prepared by the adjuster estimating the amount of damage

A written notice from the insurer acknowledging that a claim was filed

A police or fire department report confirming the loss occurred

What is the purpose of a claims adjuster?

To investigate claims and determine the amount the insurer should pay

To adjust premiums and coverage limits at each policy renewal

To decide whether an applicant meets the insurer's underwriting standards

To approve or deny claims on behalf of the state insurance department

What is 'salvage' in property claims?

Damaged property the insurer takes over after paying a loss, which it may sell to reduce the net cost

Damaged property the insured is required to keep and repair at their own expense after a partial claim payment

The insurer's right to recover its claim payment from the third party who caused the loss

The amount by which a claim payment is reduced for depreciation on damaged property

What is 'subrogation' in property and casualty insurance?

The insurer's right to pursue recovery from the party responsible for the loss

The insured's right to sue the insurer for an unreasonable claim denial

The insurer's right to take over damaged property after paying a total loss

The insurer's right to cancel the policy after paying a large claim

What is 'fraud' in insurance?

Intentional deception to obtain insurance benefits illegally

Unintentional misstatement of a material fact on an application

Failure to disclose a fact the applicant did not know was material

Purchasing coverage from several insurers on the same property

What is 'arson' as it relates to property insurance?

The intentional and malicious burning of property

The accidental burning of property through carelessness

The burning of property caused by an electrical fault

The spontaneous combustion of stored materials

What is the 'duty to defend' in liability insurance?

The insurer's obligation to provide legal defense for covered claims

The insurer's obligation to pay damages once a judgment is entered

The insured's obligation to cooperate with the insurer in a lawsuit

The insurer's obligation to defend the insured after policy limits are exhausted

What is 'bad faith' in insurance?

An insurer's unreasonable denial or delay of legitimate claims

An insured's failure to disclose material facts on an application

An insured's intentional deception to obtain benefits illegally

An insurer's cancellation of a policy for nonpayment of premium

What is 'builders risk' insurance?

Coverage for buildings under construction against damage or loss

Liability coverage for a contractor's faulty workmanship after the job is finished

Workers' compensation coverage for employees injured at a construction site

A surety bond guaranteeing the builder will complete the project on schedule

100% Free - No Registration Required

Arkansas Property & Casualty Insurance Practice Exam Free - 2026

The Arkansas Insurance Department licenses every producer in the Natural State. Whether you're in Little Rock or Fayetteville, use these free practice questions with full explanations to walk into your exam prepared. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Arkansas Property & Casualty exam: 160 questions (150 scored) in 210 minutes; passing score 70%; exam fee $50; administered by PSI; prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Arkansas Specific

How the Arkansas Property & Casualty exam compares

The Arkansas Property & Casualty exam is 160 questions, 210 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $50.

Arkansas requires prelicensing training, but the handbook publishes no fixed hour count - the requirement is set with the state's approved providers, so confirm it before you enrol.

Property & Casualty questions reviewed by Rebecca Lawson and Robert Hayes — Property & Casualty, 11 years' experience, Phoenix, AZ; Property & Casualty and Personal Lines, 13 years' experience, Denver, CO. Last updated July 29, 2026

Figures above are taken from Arkansas Insurance Candidate Information Bulletin (PSI; also posted at insurance.arkansas.gov) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Arkansas Property & Casualty producer exam: general and state parts

Arkansas splits the Property & Casualty licensing exam into a general (national) part and a state-specific part on Arkansas law: 150 scored + 10 pretest (incl. Multi-line state section 25+2, 50 min; general 125+8, 160 min). Time limit: 210 minutes. Passing: 70%. The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Arkansas's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Arkansas Insurance Department.

Choose Your Practice Mode

Mock Exam

Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

Quiz Mode

Practice with immediate feedback on each question

Instant feedback
See explanations
Track progress

Review Mode

Study all questions with answers visible

All answers shown
Full explanations
Study at your pace

Make Your Own Test

Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
5-150 questions, timed or untimed
Keeps your Arkansas selection

Arkansas Property & Casualty Exam Info

Vendor: PSI
Questions: 150 scored + 10 pretest (incl. Multi-line state section 25+2, 50 min; general 125+8, 160 min)
Time limit: 210 minutes
Passing: 70%
Exam fee: $50
Prelicensing: Prelicensing education course certificate required per line (Appendix 3A-3E) before testing; hour count not stated in the official bulletin

Verified July 2026 from the Arkansas Insurance Candidate Information Bulletin (PSI; also posted at insurance.arkansas.gov). Always confirm with the current official candidate handbook.

Arkansas Insurance Department

More Arkansas Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Arkansas Property & Casualty Exam Topics

Advanced Scenarios

Auto Insurance

Businessowners Policy (BOP)

CGL Exclusions

Claims Process

Commercial Auto

Commercial General Liability

Commercial Insurance

Crime Coverage

Dwelling Policy (DP Forms)

Emerging & Mandated Coverages

Endorsements

Environmental Liability

Equipment Breakdown

Ethics & Regulations

Farm & Ranch Coverage

Flood Insurance (NFIP)

General Principles & Contract Law

Homeowners Exclusions

Homeowners Insurance

Inland & Ocean Marine

Insurance Fundamentals

Liability Insurance

Liability Limits

Mixed Scenarios

P&C Insurance Basics

Policy Conditions

Policy Provisions & Conditions

Professional Liability

Property Exclusions

Property Insurance

Property Valuation

Residual & Surplus Lines Markets

Surety & Fidelity Bonds

Valuation, Coinsurance & Limits

Workers Compensation

State Insurance Law

Free Arkansas Property & Casualty Practice Questions with Answers

12 sample questions from the 330-question Property & Casualty bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Property & Casualty questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Arkansas

Prepare for multiple insurance licenses in Arkansas

Life Insurance

Arkansas Exam

Health Insurance

Arkansas Exam

Property & Casualty Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Arkansas Insurance Resources

Important external links for Arkansas insurance licensing information

Arkansas Insurance Department

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

Ready to Start Practicing?

Choose a practice mode above and begin your free Arkansas Property & Casualty exam preparation today.

Learn more about exam preparation:

How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Arkansas Property & Casualty Insurance Practice Exam Free - 2026

How the Arkansas Property & Casualty exam compares

The Arkansas Property & Casualty producer exam: general and state parts

Choose Your Practice Mode

Arkansas Property & Casualty Exam Topics

Free Arkansas Property & Casualty Practice Questions with Answers

Question 1: What is 'workers compensation' insurance?

Question 2: Is workers compensation insurance required?

Question 3: What is the insured's first duty after a loss?

Question 4: What is a 'proof of loss'?

Question 5: What is the purpose of a claims adjuster?

Question 6: What is 'salvage' in property claims?

Question 7: What is 'subrogation' in property and casualty insurance?

Question 8: What is 'fraud' in insurance?

Question 9: What is 'arson' as it relates to property insurance?

Question 10: What is the 'duty to defend' in liability insurance?

Question 11: What is 'bad faith' in insurance?

Question 12: What is 'builders risk' insurance?

Frequently Asked Questions

How many questions are on the Arkansas Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Arkansas insurance exam?

Can I take the practice test on my phone?

Is the Arkansas Property & Casualty producer exam one test or two?

Other Insurance Exams in Arkansas

Property & Casualty Exams in Nearby States

Official Arkansas Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state