The ARM™ Certification

The Associate in Risk Management, otherwise known as the ARM™ Certification, is a certification in risk management. This is one of the premier insurance certifications of the property casualty insurance industry.

This certification is typically held by risk managers, risk officers, risk advisers, insurance agents, brokers, and underwriters.

The ARM™ Certification) focuses on all aspects of risk management. This certification covers a wide array of insurance topics including risk management, risk assessment, and risk treatment. Unlike some of the longer insurance certifications, the ARM™ certification is only three exams.

Read more about the benefits of the ARM™ in our ARM™ Designation Overview blog.

How to Earn the ARM™ Certification

The ARM™ certification is achieved after the completion of a series of three exams and an ethics requirement course. The exam topics include:

  • Risk Management Principles
  • Risk Assessment and Treatment
  • Risk Financing

The ARM™ certification also offers two additional certification options:

  • ARM-P certification – this is an ARM™ certification with a focus in the public sector.
  • ARM-E certification – this is an ARM™ certification with a focus in enterprise risk management.

ARM™ Certification Exams

The ARM™ certification is achieved after the completion of a series of three exams:

  • ARM™ 400 – this exam covers the topics of general risk management principles.
  • ARM™ 401 – this exam covers the topics of treating and assessing risk.
  • ARM™ 402 – this exam covers the topics of financing risk.

ARM-P Certification

To earn the ARM-P Certification, you must pass all three ARM™ exams and the RMPE™ 352 exam.

The RMPE™ 352 exam covers the topics of risk management, specifically risk management for a public entity.

ARM-E Certification

To earn the ARM-E Certification, you must pass all three ARM™ exams and the ERM™ 57 exam.

The ERM™ 57 exam covers the topics of enterprise risk management.

ARM™ Exam Passing Grade

Each ARM™ Certification exam is multiple choice with a pass or fail grade of 70%. You must score a 70% or higher on each exam to pass.

Exams are administered and taken at any Prometric testing center. After passing each of the three ARM™ exams, you will earn your ARM™ certification.

How Long To Earn ARM™ Certification

The ARM™ exams are TOUGH. It is no easy task to complete this insurance certification, which is why only the best of the best earn their ARM™.

The industry recommends about 2 – 3 months of studying per exam and about 12 – 18 months to complete the coursework and earn the ARM™ certification.

Although that’s the industry recommended time, I see most people pass each exam with one to two months of studying. If you’re truly dedicated you can crank out the entire ARM™ certification within six months of studying.

I always recommend that people study an hour a day on lunch break or before work. Just an hour a day for 2 – 3 weeks should be plenty of time for you to pass your exam.

Be sure to check with your employer before you get started, as most employers will pay for your study material and exams.

Learn more about why you should pursue this designation in our blog three reasons to pursue the ARM™ Insurance Designation.

ARM™ Study Material

There are a number of great resources across the web that sell ARM™ study material. There is no right or wrong choice; it really depends on your study preference.

Personally, I prefer the below study material from AB Training Center. This is what I use, it does a great job breaking down the materials into the most important topics in simple notes (about 6 pages per chapter) so I could easily memorize the content. It also includes an “educational objectives” section at the end that reflected a lot of the questions on the exam and a full practice exam at the end. Comes with a print book, digital book, and audio book:

Free Practice Exam

Ready to get started studying? We’re here to help (for free). Download one of our free ARM™ practice exams to get a feel for the type of content you will be studying.

Download: Free ARM™ Practice Exam

More Information

For more information about the ARM™ designation checkout some of our other free resources:


ARM™ exams are administered by the American Institute for Chartered Property Casualty Underwriters (“The Institutes”). AssociatePI does not administer the actual exams, we are an independent resource of free content, advice, and study material for professional insurance education. This blog is intended for informational purposes only, to inform prospective students of the benefit of the ARM™ designation.

ARM™, CPCU®, and API are trademarks of the American Institute for Chartered Property Casualty Underwriters (“The Institutes”). AssociatePI LLC is not affiliated with, associated with, endorsed by or otherwise supported or recognized by The Institutes in any way. AssociatePI LLC is not authorized by The Institutes to offer courses, practice examinations, or any other resources related to the Institutes’ designations or other programs.

1 responses on "ARM™ Certification - How to Earn the ARM™ Certification"

Leave a Message


Money Back Guarantee

AssociatePI has the highest quality insurance education courses created by actual insurance professionals who have completed the CPCU® designation. We are so confident that you will pass your exam that we offer a money back guarantee. Pass your exam with the AssociatePI Comprehensive Course or your full money back, guaranteed.