- AIRC 411 uses 50 questions total across self-proctored, module-based exams - not one timed test.
- You need 70% on each module exam, with unlimited attempts inside a six-month access window.
- 2026 North American enrollment is USD435 for member-company learners or USD870 for nonmembers.
- The full designation needs six courses; AIRC 411 plus AIRC 421 alone only earns the Certificate in Regulatory Compliance Essentials.
What This Cheat Sheet Covers
This page is a fast, one-stop reference for Associate, Insurance Regulatory Compliance (AIRC) candidates who already know the basics and just need the facts confirmed before they schedule their module exams. It's built around AIRC 411, The Regulatory Environment for Life Insurance, the course LOMA uses to teach U.S. state and federal insurance regulation to compliance professionals. If you need the longer walkthrough of how to prepare, pair this cheat sheet with the full AIRC Study Guide 2026, and if you're still deciding whether to pursue the credential at all, start with Is the AIRC Certification Worth It? before you enroll.
AIRC at a Glance
Before diving into details, here's the condensed version of everything that matters mechanically about AIRC 411.
| Item | Detail |
|---|---|
| Administering body | LOMA |
| Course used for this review | AIRC 411, The Regulatory Environment for Life Insurance |
| Exam structure | Self-proctored, closed-book end-of-module exams; 50 questions total across modules |
| Time limit | None |
| Attempts | Unlimited during six-month course access |
| Passing threshold | Minimum 70% on each module exam |
| 2026 enrollment fee | USD435 (member-company) / USD870 (nonmember) |
| What's included in the fee | Study materials, examinations, grading, and designation credit |
| Separate exam registration? | No - enrollment covers the exams |
Notice the structure: there's no single, three-hour proctored comprehensive exam here. The "exam" is really an aggregate of module-level checkpoints. That distinction matters enormously when you're estimating difficulty, and it's covered in more depth in How Hard Is the AIRC Exam?.
The Full Designation Path: Six Courses
AIRC 411 is one piece of a larger credential. The complete Associate, Insurance Regulatory Compliance designation requires six courses total:
- LOMA 280 or LOMA 281
- LOMA 290 or LOMA 291
- LOMA 311
- LOMA 320 or LOMA 321
- AIRC 411
- AIRC 421
Each course line offers a choice between two numbered options, so candidates aren't locked into one specific version of the foundational LOMA coursework. For a full walkthrough of prerequisites and how these courses interact, see AIRC Requirements 2026.
Key Takeaway
Don't confuse the two-course certificate with the six-course designation. AIRC 411 and AIRC 421 together earn the separate Certificate in Regulatory Compliance Essentials - not the full AIRC designation. You need all six courses listed above for the complete credential.
AIRC 411 Exam Format, Decoded
This is the section most cheat-sheet seekers actually want, so here it is without padding:
- Format: Self-proctored end-of-module examinations delivered inside LOMA's online course environment.
- Question count: 50 questions in total, distributed across the modules - this is an aggregate figure, not a single sitting.
- Time limit: None. You are not racing a clock on any module exam.
- Attempts: Unlimited, for as long as your six-month course access remains active.
- Passing score: A minimum of 70% on each module exam - module by module, not just an overall average.
- Closed-book rules: Course materials are locked during testing, and outside materials or unauthorized assistance are prohibited, even though there's no proctor watching over a webcam.
- Registration: No separate exam sign-up is needed - enrollment in AIRC 411 already covers the module exams.
The practical upshot: pacing pressure is low, but retake friction is also low, so there's little excuse for under-preparing a module and hoping to squeak by. For the exact scoring mechanics and what "passing" really means across modules, read AIRC Passing Score 2026. If you're wondering how this format affects overall difficulty compared to what you expected walking in, How Hard Is the AIRC Exam? breaks it down further, and AIRC Pass Rate 2026 discusses what the available data actually shows.
All 11 Domains in One-Line Summaries
AIRC 411's eleven domain lines mirror LOMA's official course topics for The Regulatory Environment for Life Insurance. Use this as your memorization skeleton, then expand each line using your course materials.
Domain 1: Introduction to Compliance
Frames why regulation exists and how compliance functions are organized inside insurers.
- Know the basic rationale for the state-based regulatory system before moving to specifics.
Domain 2: State Regulation of the Insurance Industry
Covers the structure of state insurance departments and their general oversight authority.
- Understand the department's core powers and where they intersect with company operations.
Domain 3: State Regulation of Insurance Company Formation and Operation
Focuses on licensing insurers, corporate structure requirements, and ongoing operating standards.
- Be able to distinguish formation requirements from day-to-day operational rules.
Domain 4: State Regulation of Insurance Producers
Addresses licensing, appointment, and conduct rules for agents and brokers.
- Know the difference between producer licensing and company licensing.
The remaining seven domains carry the same weight of specificity:
- Domain 5 - State Filing and Approval Requirements: product and rate filing procedures insurers must follow before use.
- Domain 6 - State Regulation of Insurance Operations: ongoing conduct standards for claims, underwriting, and policyholder treatment.
- Domain 7 - Market Analysis and Examinations: how regulators monitor insurer behavior and conduct market conduct exams.
- Domain 8 - Regulation of Insurer Solvency: financial oversight tools regulators use to confirm insurers can meet obligations.
- Domain 9 - Federal Regulation of Insurance: where federal authority touches an otherwise state-regulated industry.
- Domain 10 - Federal Regulation of Securities: rules that apply when insurance products carry securities characteristics.
- Domain 11 - Federal Taxation of Insurance Products: tax treatment issues relevant to life insurance and annuity products.
For a deeper, module-by-module treatment of each of these eleven areas - including how they map to the exam's module structure - see the AIRC Exam Domains 2026 guide. It's the natural companion to this cheat sheet once you've memorized the list above.
Registration & Fee Quick Reference
Fee mechanics trip up more candidates than the content itself does, so keep these numbers handy:
- The 2026 North American English-course enrollment fee is USD435 for eligible member-company learners.
- Nonmembers pay USD870 for the same enrollment.
- That single fee includes required study materials, the module examinations, grading, and designation credit - there's no separate exam-day fee to budget for.
- Because no separate exam enrollment is required, your enrollment fee and your exam access are the same transaction.
For a line-by-line breakdown of how these numbers fit into the total cost of pursuing the full designation across all six courses, see AIRC Certification Cost 2026.
A Domain-by-Domain Review Snapshot
Because AIRC 411's exams are module-based rather than one cumulative test, it makes sense to review in the same chunks the course itself uses. Here's a compressed snapshot for candidates working within a six-week window before their access period gets tight - adjust pacing to your own schedule and cross-check exact dates against AIRC Exam Dates 2026.
Regulatory Foundations
- Domain 1: Introduction to Compliance
- Domain 2: State Regulation of the Insurance Industry
Company and Producer Rules
- Domain 3: State Regulation of Insurance Company Formation and Operation
- Domain 4: State Regulation of Insurance Producers
Filings and Ongoing Operations
- Domain 5: State Filing and Approval Requirements
- Domain 6: State Regulation of Insurance Operations
Oversight and Solvency
- Domain 7: Market Analysis and Examinations
- Domain 8: Regulation of Insurer Solvency
Federal Layer
- Domain 9: Federal Regulation of Insurance
- Domain 10: Federal Regulation of Securities
- Domain 11: Federal Taxation of Insurance Products
Module Exam Attempts
- Take each module's exam only after hitting a consistent 70%+ on practice questions
- Use remaining attempts to revisit weak modules before your six-month window narrows
Since each module exam is graded on its own 70% threshold, there's no benefit to rushing through early domains just to "bank time" for later ones - a weak Domain 3 score doesn't get rescued by a strong Domain 9 score. Run realistic practice sessions on our AIRC practice test platform before each module attempt so you know where you stand ahead of time, not after a failed try.
Common Mix-Ups to Avoid Before Test Day
A short list of confusions that consistently trip up otherwise well-prepared candidates:
- Certificate vs. designation: AIRC 411 plus AIRC 421 earns the Certificate in Regulatory Compliance Essentials only - not the full six-course AIRC designation.
- Legacy course credit: AIRC 410 and AIRC 420 credits count toward AIRC 411 and AIRC 421 respectively for the full designation, but they cannot be used to earn the two-course certificate.
- One exam vs. many: The "50 questions" figure describes the total across all module exams, not a single sitting you take once and never revisit.
- Open-book assumptions: No time limit does not mean you can reference locked course materials during testing - the exams are closed-book.
- Fee tier confusion: Member-company pricing (USD435) and nonmember pricing (USD870) differ significantly; confirm your employer's LOMA membership status before enrolling.
If you're evaluating whether this credential fits your career plans before locking in course selections, it's worth reading AIRC Salary Guide 2026 and AIRC Jobs alongside the requirements page - compliance, regulatory affairs, and product filing roles are the ones most likely to reference this designation directly. And if you landed here searching for basic definitions rather than exam mechanics, What Is AIRC? and AIRC Meaning cover that ground.
Key Takeaway
Keep a mental separation between "course," "certificate," and "designation." AIRC 411 is a course; the two-course combination is a certificate; the six-course combination is the designation. Mixing these up leads to registering for the wrong thing.
FAQ
It's a series of self-proctored end-of-module examinations totaling 50 questions, with no overall time limit and unlimited attempts during your six-month course access.
You need a minimum of 70% on each individual module exam. There isn't a separate combined comprehensive score to hit beyond meeting that threshold on every module.
No. Those two courses together earn the separate Certificate in Regulatory Compliance Essentials. The full designation requires six courses total, including LOMA 280/281, LOMA 290/291, LOMA 311, and LOMA 320/321.
The 2026 North American English-course enrollment fee is USD435 for eligible member-company learners or USD870 for nonmembers. This covers study materials, exams, grading, and designation credit.
Legacy AIRC 410 and AIRC 420 credits count toward AIRC 411 and AIRC 421 respectively for the full designation, but they cannot be applied toward the two-course Certificate in Regulatory Compliance Essentials.