- LOMA does not publish a numeric AIRC pass rate; the exam is self-proctored module testing, not a single scored event.
- AIRC 411 requires a 70% minimum on each of its module exams, totaling 50 questions across the course.
- Unlimited attempts and no time limit during a six-month access window make outright "failure" rare but delay is common.
- AIRC 411 plus AIRC 421 also earns the separate Certificate in Regulatory Compliance Essentials, not the full AIRC designation.
Why There's No Official AIRC Pass Rate
If you searched for "AIRC pass rate 2026" expecting a single published percentage from LOMA, you won't find one - and that's not an oversight. Associate, Insurance Regulatory Compliance is built around a course-and-module structure rather than a one-shot, proctored comprehensive exam. LOMA administers AIRC 411, The Regulatory Environment for Life Insurance, as an online course with end-of-module examinations rather than a single high-stakes test date. Because candidates can retake module exams during their access period, the traditional "cohort pass rate" metric that credentialing bodies report for one-time board exams doesn't map cleanly onto how AIRC 411 works.
That doesn't mean the exam is trivial or that everyone finishes on the first try. It means the more useful question for 2026 candidates isn't "what percentage passed last year" but "what does the data about the exam's structure tell me about where I'm likely to struggle." That's the lens this article takes, grounded strictly in how LOMA has built the course.
How the AIRC 411 Exam Format Changes the Question
AIRC 411 is delivered inside LOMA's online course platform through self-proctored, end-of-module examinations. Across the entire course, candidates answer 50 questions total - not 50 questions in one sitting, but distributed across the modules that make up the course. There is no overall time limit on these exams, and candidates get unlimited attempts within the six-month course access window. Each module exam requires a minimum score of 70% to move forward.
This format has direct implications for anyone trying to interpret "pass rate" data:
- No single failure point. A weak module score doesn't end your candidacy - you retake that module, not the whole course.
- Time pressure is largely self-imposed. With no time limit per exam, the real constraint is the six-month access clock, not speed under pressure.
- Closed-book still matters. Course materials are locked during testing, and outside materials or unauthorized assistance are prohibited - so despite the flexible retake policy, you still need to know the material cold at the moment you sit for each module exam.
- No separate exam enrollment. The exam field on your course record reflects the aggregate question count across modules, not a standalone comprehensive test you register for separately.
For a deeper breakdown of exactly how the 70% threshold applies module by module, see our dedicated piece on the AIRC passing score requirements.
Key Takeaway
Because retakes are unlimited within your access period, "failing" AIRC 411 in the traditional sense is uncommon. The real risk in 2026 is running out of your six-month window before finishing all modules at 70% or better - a pacing problem, not a knowledge-ceiling problem.
What "Passing" Actually Requires
Passing AIRC 411 means clearing every module exam at 70% or higher before your six-month access expires. There's no weighted composite score across modules the way some certification exams calculate a scaled pass/fail number - each module stands on its own gate. That has a practical consequence: you can't compensate for a weak module with a strong one elsewhere. You have to actually meet the bar on each section.
The eleven domain lines used throughout AIRC study resources map to LOMA's official course topics, and they're the practical unit you should think in terms of when planning your module-by-module progress. Our full domain-by-domain guide breaks down what each of the eleven areas covers in more depth than we can here.
The Eleven AIRC 411 Content Areas
These correspond to LOMA's official course topics and structure the module exams you'll need to clear at 70% or higher.
- Domain 1: Introduction to Compliance
- Domain 2: State Regulation of the Insurance Industry
- Domain 3: State Regulation of Insurance Company Formation and Operation
- Domain 4: State Regulation of Insurance Producers
- Domain 5: State Filing and Approval Requirements
- Domain 6: State Regulation of Insurance Operations
- Domain 7: Market Analysis and Examinations
- Domain 8: Regulation of Insurer Solvency
- Domain 9: Federal Regulation of Insurance
- Domain 10: Federal Regulation of Securities
- Domain 11: Federal Taxation of Insurance Products
Where the Eleven Domains Create Friction
Not every domain feels equally difficult, even without a published breakdown of module-level scores. Candidates coming from insurance-company compliance, underwriting, or agency operations backgrounds tend to move quickly through the state-focused domains - 2 through 8 - because the subject matter overlaps with day-to-day work: producer licensing, company formation, filing requirements, market conduct, and solvency oversight. These are the domains most closely tied to routine state insurance department interaction.
The friction usually shows up in the final three domains:
Domain 9: Federal Regulation of Insurance
Many candidates have spent their careers inside a state-regulated framework and have limited exposure to how federal law intersects with an industry historically regulated at the state level. This domain requires understanding that intersection conceptually, not just memorizing statute names.
- Know why federal involvement in insurance is the exception rather than the default
Domain 10: Federal Regulation of Securities
For candidates without a securities-licensing background, this domain introduces unfamiliar vocabulary and frameworks tied to variable products. It rewards careful, deliberate reading rather than speed.
- Focus on how securities regulation applies specifically to insurance-linked products
Domain 11: Federal Taxation of Insurance Products
Tax treatment of insurance and annuity products is dense and detail-heavy. This is frequently the module candidates need a second attempt on, simply because the material is unlike anything covered earlier in the course.
- Build a short reference list of product-tax distinctions before attempting the module exam
Our difficulty guide for the AIRC exam goes further into why these later domains take longer for most candidates, independent of overall exam pass/fail mechanics.
Certificate Path vs. Full Designation
Another factor that affects how people interpret "AIRC pass rate" questions is that AIRC 411 serves two different outcomes. Completing AIRC 411 and AIRC 421 together earns the separate Certificate in Regulatory Compliance Essentials - a standalone credential, not the full designation. The full Associate, Insurance Regulatory Compliance designation requires six courses total: LOMA 280 or 281, LOMA 290 or 291, LOMA 311, LOMA 320 or 321, AIRC 411, and AIRC 421.
Legacy AIRC 410 and AIRC 420 credits carry forward toward AIRC 411 and AIRC 421 respectively for purposes of the full designation, but those legacy credits cannot be used toward the two-course certificate. If you're planning your path, our requirements and eligibility guide walks through how the course sequence fits together.
| Pathway | Courses Required | What You Earn |
|---|---|---|
| Certificate in Regulatory Compliance Essentials | AIRC 411 + AIRC 421 | Standalone certificate (legacy AIRC 410/420 credits don't count here) |
| Full AIRC Designation | LOMA 280/281, LOMA 290/291, LOMA 311, LOMA 320/321, AIRC 411, AIRC 421 | Associate, Insurance Regulatory Compliance designation |
A Domain-Paced Study Sequence
Given that AIRC 411 is untimed per exam but bounded by a six-month access window, the smartest approach is pacing your study by domain group rather than by calendar week alone. Spaced review works well here specifically because the state-focused domains build on each other, while the federal domains (9-11) are conceptually distinct and benefit from being tackled once the state material is solid.
Foundations and State Framework
- Domain 1: Introduction to Compliance
- Domain 2: State Regulation of the Insurance Industry
- Domain 3: Company Formation and Operation
Producers, Filings, and Operations
- Domain 4: State Regulation of Insurance Producers
- 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
- Take module exams for completed domains rather than waiting until the end
Federal Domains - Slow Down Here
- Domain 9: Federal Regulation of Insurance
- Domain 10: Federal Regulation of Securities
- Domain 11: Federal Taxation of Insurance Products
For a more detailed week-by-week plan and recommended resources, our AIRC study guide expands on this structure, and practicing with realistic questions on our practice test platform before each module exam helps confirm you're genuinely at the 70% threshold rather than guessing.
Who Actually Sits for AIRC 411
AIRC candidates are typically working inside life insurance carriers, compliance departments, agency operations, or regulatory affairs teams - often people who interact with state insurance departments, market conduct exams, or producer licensing as part of their job. Because the course was built by LOMA specifically around U.S. state and federal insurance regulation, it tends to attract compliance analysts, regulatory affairs specialists, and operations staff looking to formalize knowledge they're already applying day to day.
If you're weighing whether the time and cost are worthwhile relative to your role, our ROI analysis and earnings-related guide look at that question directly, and our jobs overview covers the kinds of roles where the designation gets referenced.
Key Takeaway
The absence of a published pass rate isn't a red flag - it reflects a course design built on module mastery and unlimited retakes rather than a single pass/fail exam day. Plan around the 70% threshold and the six-month clock, not a mythical percentage.
Frequently Asked Questions
No. AIRC 411 uses self-proctored, end-of-module exams with unlimited attempts rather than a single scored comprehensive exam, so LOMA does not report a traditional pass-rate statistic.
A minimum of 70% on each module exam. There are 50 questions total across the modules that make up the course, and each module has its own 70% gate you must clear.
No. There is no time limit on the module exams themselves. The real constraint is the six-month course access window, during which you must complete and pass every module.
Yes. Candidates get unlimited attempts on module exams during their six-month course access period, though exams remain closed-book, with course materials locked during testing.
No. AIRC 411 is one of six required courses for the full Associate, Insurance Regulatory Compliance designation. Combined only with AIRC 421, it earns the separate Certificate in Regulatory Compliance Essentials instead.