Arkansas
Interim Commissioner Jimmy Harris
Arkansas Insurance Department
1200 West Third Street
Little Rock, Arkansas, 72201
Appointments & Terminations
Yes
Yes
A property and casualty producer doesn't require a carrier appointment to sell, solicit, or negotiate travel insurance.
Within 15 days of contract execution or first business submission
AR ST § 23-64-219 The appointment means the notification filed with the commissioner that an insurer has established an agency relationship with a producer. - AR ST § 23-64-219 **(a)** An insurance producer shall not act as an agent of an insurer unless the insurance producer becomes an appointed agent of that insurer. An insurance producer who is not acting as an agent of an insurer is not required to become appointed. - **(b)** To appoint a producer as its agent, the appointing insurer shall file, in a format approved by the Insurance Commissioner, a notice of appointment within fifteen (15) days after the date the agency contract is executed or the first insurance application is submitted. An insurer may also elect to appoint a producer to all or some insurers within the insurer's holding company system or group by the filing of a single appointment request.
Yes
$20
$60
Yes
No
No
Yes
Required and may not be backdated more than 15 days, be in the future, or precede effective date of appointee license.
Yes
Via NIPR Portal
June 1 through June 30
Resident: $20 Nonresident: $60
Yes
No
Yes
Yes
Voluntary termination; inadequate production; cancelled by general agent; death; company defunct or liquidation; company indebtedness; poor policyholder service; agent moved; appointed in error; cancelled; cancelled for cause; company merger; revoked; suspended for compliance
No
Not required (ignored) and is the date transaction is processed by the state
30-days to notify the Department of Insurance
$10
No
Notices must be mailed
Licensing
Resident New License Emergency Producer: \*
Resident New License Insurance Producer: $15 (when exam is required)
Resident New License Insurance Producer: $70 (when exam is not required)
Resident New License Surplus Lines Producer: $1,035
\*Fee not specified.
Nonresident New License Insurance Producer: $70
Nonresident New License Surplus Lines Producer: $1,035
Resident Renewal Insurance Producer: $70 Resident Renewal Surplus Lines Producer: $120 Nonresident Renewal Insurance Producer: $70 Nonresident Renewal Surplus Lines Producer: $120
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to one year after expiration
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to one year after expiration
For individual's business address only
No
Residence, Business, and Mailing
Title Agent, Risk Retention Group, Life Settlement Broker, Consultant, Insurance Producer, Life Settlement Provider, Surplus Lines Producer, Life and Disability, Adjuster, Crop Adjuster, Property and Casualty Insurer, Navigator, Certified Application Counselor, IPA Guide, Life Settlement Producer, Reinsurance Intermediaries Broker, Exchange Producer, Purchasing Group Broker
Yes
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
To obtain a broker's license, an applicant must comply with the same licensing requirements as a producer
Yes
Before taking the examination, the applicant for an agent, or broker license must complete at least 20 hours of classroom instruction or electronic instruction taught by authorized instructors.
The applicant must submit a copy of the original pre-licensing education completion certificate, discussed in AR ADC 054.00.31 Appendices 3(A-E), to the exam vendor at the scheduled testing time.
Pre licensing must be taken no more than 2 years before taking the license exam.
An applicant for a new or additional line of authority will be exempt from the following requirements if the requirements were successfully completed within 2 years of the date of filing the application for the new or additional line: a. 5 hours of state insurance laws and rules; and b. 1 hour if ethics. The following applicants are exempt from pre-license education: a. consultant; b. surplus lines broker; and c. nonresident producer or adjuster from a state that engages in reciprocal licensing with Arkansas.
The prelicense education courses for a life line of authority include: a. 1 hour of introduction to insurance; b. 5 hours of state insurance laws and rules; c. 5 hours of life insurance basics; d. 5 hours of life insurance policies and provisions; e. 3 hours of annuity contracts; and f. 1 hour of ethics. The pre-license education courses for an accident and health or sickness line of authority include: a. 1 hour of Introduction to Insurance; b. 5 hours of State Insurance Laws and Rules; c. 3 hours of Health Insurance Policy Provisions; d. 2 hours of Disability Income Insurance; e. 1 hour of Medical Expense Insurance; f. 1 hour of Medicare Supplement Insurance; g. 2 hours of Social Security and Medicare; h. 1 hour of Group Insurance; i. 1 hour of HMO; and j. 1 hour of Ethics. The pre-license education courses for a casualty line of authority include: a. 1 hour of introduction to insurance; b. 5 hours of state insurance laws and rules; c. 1 hour of ocean and inland marine insurance; d. 2 hours of general liability insurance; e. 5 hours of automobile insurance and assigned risk plan, including AIPSO and CAIP; f. 3 hours of workers' compensation and assigned risk plan; g. 1 hour of commercial crime insurance and fidelity bonds; h. 1 hour of surety bonds; and i. 1 hour of ethics. The pre-license education courses for a property line of authority include: a. 1 hour of introduction to insurance; b. 5 hours of state insurance laws and rules; c. 4 hours of fire and allied lines, assigned risk plans (ARRUA), and Arkansas earthquake authority (AEA); d. 5 hours of homeowners' policies and other multiple-line products; e. .5 hours of national flood insurance; f. 3 hours of commercial property and commercial crime insurance; g. .5 hours of federal crop insurance (FCIC); and h. 1 hour of ethics. The pre-license education courses for a "personal lines" line of authority include: a. 1 hour of introduction to insurance; b. 5 hours of state insurance laws and rules; c. 2 hours of fire and allied lines, including manufactured houses, ARRUA, and AEA; d. 5 hours of homeowner's policies and other multiple-line products and assigned risk plans (ARRUA and AEA); e. 5 hours of automobile insurance and assigned risk plans; f. 1 hour of federal flood insurance; and g. 1 hour of ethics.
Yes – General background check
Not Required
One Year
NIPR Gateway
Emergency Producer License is only issued related to the death, disability or deployment of a licensed
Appointment
Resident State Fees
No
Yes
Every licensee must notify the Commissioner, in writing, of any change in his/her mailing or residence address within 30 days of the change. Contact Change Request supported via NIPR Gateway.
Failure to notify the Commissioner will result in a $25 fee, payable to the Arkansas Insurance Department Trust Fund.
Agency
No
Yes
No
Multiple
No
Renewal period starts 90 days prior to expiration and ends Sept. 30th, annually. The DRLP doesn't need to be an: owner, partner, officer, or director
90 days prior to expiration date until September 30th (annually)
Yes
Yes
Main license meets requirements
Every licensee must notify the Commissioner, in writing, of any change in his/her mailing or residence address within 30 days of the change. Contact Change Request supported via NIPR Gateway. An organization licensee must notify the Commissioner within 10 days of any changes among the members, directors, officers and all other people designated in the license. The fee for adding or deleting an individual agent from an organization license is $10.
Agency license depends on how commissions being paid out. If affiliations are receiving a commission check, must be affiliated with entity.
Adjuster
Yes
Yes
AK, AL, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV, WY
CA, HI, NY, PR
Property, Casualty, Workers' Compensation
Licensing Fee (without CE): $55 Licensing Fee (with CE): $120 Late Fee: $240 CE Fees - On Time: $20 - 1-30 Days Late: $25 - 31-60 Days Late: $50 - 61-90 Days Late: $100 - 91 Days - 1 Year Late: $150
Yes
Late renewals are allowed up to 12 months after the license expiration date. Nonresidents are required to be CE compliant to renew
Biennially, on the individual's birthday.
Crop Insurance Adjuster, Workers' Compensation Adjuster
Licensing Fee: $55
Yes
Biennially, on the individual's birthday.
Yes
Yes
Continuing Education
24
2 years
Yes
Last day of birth month
Year of first license issuance
Prior to license expiration.
90 days prior to month of birth
90 days prior to month of birth
- Individuals who are at least 60 years old and licensed prior to July 1, 2003, must request an exemption. - Individuals who have been actively licensed for at least 15 consecutive years, prior to July 1, 2003, must request an exemption. - Newly licensed individuals are exempt for the initial license period. After the first renewal of the license, CE shall be due on the licensee’s birth date biennially. - Title agents instead must complete 6 hours with 1 hour of ethics annually by their birthday.
Licensee has one year from the date of your missed renewal to bring your license back to good standing. In the meantime, the state automatically terminates any carrier appointments in the state, and will need to pay a late licensure fee. If one is also behind on your CE requirements, there is an additional fee.
Yes
Excess CE hours during a biennial period may be carried forward only to the next biennial period. Additional ethics hours will be carried forward as regular hours, not ethics education. Max of 24 hours
3
3 hours of NFIP course
8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter
One-time, 4-hour course
Yes (for dually licensed, must meet both separately)
https://agentsync.io/blog/individual-producers/insurance-continuing-education-arkansas
Regulatory Updates
Arkansas Issues Notice of Upcoming Licensing Process Change
Effective November 13, 2026, the Arkansas Insurance Department ("AID") will be implementing an insurance licensing process change. An applicant who is required to pass an examination for an Arkansas insurance license must successfully complete the required examination before submitting the applicant's license application and criminal background check to the Arkansas Insurance Department. See attachment for full details.
Arkansas Overhauls Business Rules
CS/Enablement Summary of AR Business Rule Overhaul for use with customers: Effective November 13, in support of Arkansas's Executive Order 26-04, NIPR has partnered with Arkansas to review and update business rules to streamline the licensure process for applicants. In addition to business rule updates, there are also upcoming process changes in which the applicant will take and pass their exam prior to applying for the license when exam is required for the license. To learn more about the process changes please visit Legal Bulletins - Arkansas insurance Department. New License Classes Added include: LC 25 MGA LC 105 Third Party Adminstrator License Classes/Lines of Authority Removed • License Class 3 Insurance Producer, LOA 115 Funeral Expense will only be offered to AR residents going forward. LOA 126 PrePaid Legal is being removed and will no longer be offered. LOA\_197 Marine is being removed and will no longer be offered • License Class 23 Consultant will only be offered to AR residents going forward for all lines of authority except LOA\_197 Marine LOA\_197 Marine is being removed and will no longer be offered • License Class 9534 Consultant Agency Will only be offered to AR residents going forward for all lines of authority except LOA\_197 Marine LOA\_197 Marine is being removed and will no longer be offered AR Business Rule Change Summary NIPR is modifying 65 existing Gateway rules for Arkansas. These are application and transaction processing rules enforced by the NIPR Gateway at the point the application is submitted. The changes are grouped below. Applications that used to Defer will now be stopped at submission Across the alert, rules that previously returned Defer now return Reject (Online) / Decline (Backend). The applicant is stopped at submission instead of being pended for state review. Applying for a resident AR license while holding an active AR non-resident license. A DRLP is provided who is not actively licensed in Arkansas (RL, RLR, NRLNHS, NRRNHS). The DRLPs listed do not cumulatively cover all lines of authority applied for (RL, RLR, NRL). Consultant Agency applications where no DRLP is licensed for Consultant. Life Settlement Producer applied for without applying for or holding an active AR Insurance Producer license, and Life Settlement Producer renewals not submitted at the same time as the Insurance Producer renewal. Exchange Producer applied for or renewed without an active AR Insurance Producer license. NRAL DHS applications where the selected Designated Home State does not have an active non-resident adjuster license. Exam must be passed before the application is submitted Resident applicants for Producer (Accident & Health or Sickness, Crop, Life, Property-Casualty, Personal Lines), Surplus Line Producer and Title Agent/Title must have a passed exam record at submission. Applications without one are rejected rather than deferred for state exam verification. Exceptions: a Consultant applicant who holds an active AR Insurance Producer license on PDB, and an applicant whose resident license is Inactive and is within 90 days of the AR RL application. Reapplication (Reinstatement to NIPR, which occurs 1 year after the expiration date) follows the same rule for every license class that required an exam on initial application. The No Home State exam defer rule and the PSI special character (E) processing rule are both removed. Supporting documents now go to the NIPR Attachment Warehouse Arkansas is retiring mail, fax and email submission of supporting documents. Documents are now attached at https://nipr.com/licensing-center/attachments. Non-citizen applicants attach a copy of the green card or work authorization (RL, NRL, NRLNHS, NRALNHS, NRALDHS). Individual Surplus Lines Producer applicants attach proof of the $50,000 bond. Both non-uniform question updates (RLR and NHSR) now direct the applicant to the Attachment Warehouse instead of the Licensing Division fax number and LicenseMail@arkansas.gov. New bond requirements for the two new license classes LC 25 MGA - proof of a $100,000 bond must be attached to the Attachment Warehouse before the license will be issued (RL). Defers. LC 105 Third Party Administrator - proof of a $25,000 bond must be attached (RL and NRLNHS). Defers. DRLP requirements expanded Adjuster (PDB code 5) is added to the list of resident license classes that must provide at least one DRLP. Insurance Producer and Adjuster - Business Entity are added to the DRLP required list on RLR, NRL and NRR. New rules require at least one DRLP licensed for Insurance Producer (RL, RLR, NRL, NRR) and at least one DRLP licensed for Adjuster (RL). On No Home State applications, DRLPs move from not required to required for Insurance Producer - Motor Club. Cumulative LOA coverage by the listed DRLPs becomes a new rule on NRL/NRR and on NRLNHS/NRRNHS, and the resident rule is restated to apply to Consultant Agency, Surplus Lines Agency, Title Agency, Exchange Agency, Insurance Producer and Adjuster - Business Entity. New restrictions on applicants Applicants with a PDB status reason of Deceased or Suspended are prevented from applying (RL, NRL) and from renewing (RLR, NRR, which also includes Revoked). Applicants with a status reason of Revoked cannot reapply for three years from the status date. Applicants with a status of Inactive (Arkansas uses Inactive for voluntary surrender) must reapply as a new applicant regardless of expiration date, and are no longer eligible to renew. Variable Life and Variable Annuity applicants must provide a FINRA CRD number on the application. Owner/Partner/Officer/Director (OPOD) information is now required on all business entity applications. The Surplus Lines Agency and Consultant Agency exemptions are removed. Address requirements tightened Resident applications now require the residence address to be in Arkansas; an Arkansas business address no longer qualifies. The No Home State rule mirrors this - the residence address must be outside Arkansas. PO Box is accepted for the mailing address only, and the rule now applies to both individual and business applicants rather than business only. Renewal changes No partial renewals. The applicant must renew all lines actively held in Arkansas that are offered electronically through NIPR, and this now applies to both individuals and business entities. The business entity "allow partial renewals" rule is removed. The Late Renewal (Arkansas DOI reinstatement) exclusion list is expanded to add MGA and Third Party Administrator alongside Life Settlement Producer and Life Settlement Broker. Applicants with a license in the renewal period (90 days prior to expiration) cannot submit an amendment to add lines of authority. They must renew first. Rules removed or relaxed The duplicate resident/non-resident overlap rule is removed, superseded by the updated version of the same rule. The non-resident Adjuster and Consultant Agency DRLP cumulative coverage rules on NRL and NRR are removed. The adjuster 12 month experience or apprenticeship proof requirement is removed for both RL and NRLNHS. Both non-resident Consultant messages (the resident state reciprocity contact message and the related defer) are removed. The Credit LOA restrictions on non-resident Producer applications are removed in both directions. The rule deferring all non-uniform LOAs on NRR is removed. The Surplus Lines Producer and Surplus Lines Agency "renewal not due if obtained after November 1" rules are removed. The NRARDHS rules requiring an active equivalent license in the resident state, and waiving Crop Adjuster renewal for licenses issued between August 1 and September 30, are removed. The RLR Exchange Producer state review defer is removed. No Home State deferrals are narrowed. Only Adjuster No Home State applications defer for state review; clean applications for other license class and LOA combinations process through. New applicant facing messages A new "application has been processed" message is returned on all RL and RLR applications that are not declined, with links to check status at https://nipr.com/licensing-center and to print the license at https://nipr.com/help/print-your-license. The criminal background check link is updated to https://cbc-enterprise.ark.org/aid, and a matching background check defer rule is added for NRLNHS individual applications. Variable Life and Variable Annuity applicants are now sent to the state for review instead of being told to email proof of Series 6 or Series 7. Add NPN to transaction now applies to both individuals and business entities on RL and NHS.
Arkansas Adoption of SLIP+ for Reporting and Payment of Surplus Lines Taxes
Effective January 1, 2027, the Arkansas Insurance Department will transition to Slip+ for States as the required platform for Arkansas surplus lines insurers, agents, and brokers to report transactions and pay premium taxes in accordance with Ark. Code Ann. § 23- 65-315. Slip+ for States will replace the OptIns platform. See attachment for full details.
Arkansas Company Appointment Renewal 2026
Effective June 1, 2026, Arkansas company appointment renewal invoices will be available for payment from June 1, 2026, through June 30, 2026. The termination deadline is May 24, 2026. The invoice fees are based on the residency of the appointee. For the license classes: Insurance Producer, Exchange Agency, Exchange Producer, Purchasing Group Broker, Risk Retention Agency, Risk Retention Agent, Title Agency, Title Agent - Resident: $20 - Nonresident: $60
Arkansas Military License Expedited Requirements
Effective September 13, 2025, Arkansas passed the following bill that grants residents and nonresidents certain automatic and expedited licensure requirements that apply for military service members, veterans, and spouses. - "Licensure" means the issuance of the following licenses: - Certified application counselor; - Claims adjuster; - Emergency temporary producer; - In-person assistance guide; - Insurance consultant; - Insurance producer; - Life settlement broker; - Managing general agent; - Navigator; - Purchasing group broker; - Reinsurance intermediaries broker; - Reinsurance intermediaries manager; - Risk retention agent; and - Surplus lines broker. - The following individuals are eligible for automatic licensure: - A uniformed service member stationed in AR; - A uniformed service veteran who resides in or establishes residency in AR; - The spouse of a uniformed service member stationed in AR - The spouse of a uniformed service veteran who resides in or establishes residency in AR; - The spouse of a uniformed service member who is assigned a tour of duty that excludes the spouse from accompanying the member and the spouse relocates to AR; and - The spouse of a uniformed service member who is killed or succumbs to his/her injuries or illness in the line of duty if the spouse establishes residency in AR. - Automatic licensure will be granted to an individual: - Listed above requirements; and - Who holds a license in good standing with a similar scope of practice issued in another U.S. state, territory, or district. - No testing will be required. - The license expiration date for a deployed service member or his/her spouse will be extended for 180 days following the uniformed service member's deployment return date. - An individual listed in above will be fully exempted from CE requirements until 180 days following the uniformed service member's deployment return date. - To allow for the full CE exemption, the Department may require evidence of CE completion before: - Granting a subsequent licensure, or - Authorizing license renewal. - Expedited initial licensure requirements apply to individuals who: - Have never been licensed in the insurance industry in AR or in any other U.S. state, district, or territory; and - Qualify as one of the individuals listed as eligible - All individuals listed above will be eligible for expedited initial licensure. These individuals must: - Apply for provisional licensure on the approved form; and - Pay the application fee. - After verifying the required documentation, the Department will issue a provisional license. - A provisional license is valid for 180 days. - Provisional licensees must be supervised by an individual who is licensed with the same scope of practice as the provisional license being applied for - If needed, an individual may request an extension of the provisional license beyond the 180 days to obtain full licensure. - Relevant uniformed service education, training, national certifications, or service-issued credentials will be accepted toward licensure qualifications or requirements when considering a uniformed service member's or veteran's provisional licensure application.
Arkansas Summarizes Insurance-Related Legislation 2025
Posted June 12, 2025, Arkansas posted a bulletin to summarize insurance-related legislation enacted during the 2025 Arkansas Legislative Session. The Department does not represent that this list is complete. Please see the attachment for more information.
Arkansas Company Appointment Renewal 2025
Effective June 1, 2025, Arkansas company appointment renewal invoices will be available for payment from June 1, 2025, through June 30, 2025. The termination deadline is May 24, 2025. The invoice fees are based on the residency of the appointee. For the license classes: Insurance Producer, Exchange Agency, Exchange Producer, Purchasing Group Broker, Risk Retention Agency, Risk Retention Agent, Title Agency, Title Agent - Resident: $20 - Nonresident: $60
Arkansas Implements Primary Name Updates
Effective January 17, 2025, Arkansas will implement a new transaction type to process individual primary name updates
Arkansas 2025 Appointment Renewal Notice
Posted March 6, 2025, Arkansas posted a bulletin regarding 2025 appointment renewals for insurance producers. An insurance company must annually renew all producer records on its appointed Arkansas producers and business entities file. Please see the attachment for more information. The company can research its appointed producers and business entities by going to the following link.
Arkansas Hosts Public Hearing Adopting New Proposal
Posted on September 18, 2024, Arkansas Insurance Department will host a public hearing on October 29, 2024, at 10 AM. The Department is considering adopting a new proposal granting expedited licensure for military service members, veterans, and spouses. Please see the attachment for more information.
Arkansas Clarifies Underwriting Expenses for Surplus Lines
On July 26, 2024, Arkansas posted bulletin No. 12-2024 to clarify previous bulletins regarding underwriting expenses for surplus lines brokers. All new policies and renewals with an effective date of January 1, 2025, and after will be expected to comply with these fees. Please see the attachment for more information.
Arkansas 2024 Company Appointment Renewals for Insurance Producers
On March 5, 2024, Arkansas issued a bulletin identifying dates related to 2024 company appointment renewals for insurance producers. See attachment.
Arkansas Adding New Non Uniform Question for All Renewal Applicants
Effective March 15, 2024, Arkansas will be adding a new NUQ required for renewal of all license classes.
Arkansas Issues Bulletin Concerning Release of Criminal Investigations
Arkansas issues bulletin concerning release of criminal investigations. See attachment for full details.
Arkansas 2023 Company Appointment Renewals
Arkansas has released their 2023 Company Appointment Renewal dates. The renewal dates are June 1, 2023 - June 30, 2023. Electronic Termination Deadline is May 24, 2023, and the paper deadline is May 1, 2023
Arkansas Clarifies Producers Best Interest Standards
The Commissioner issues the reminder that the best interest of the producer is outlined in Section 6 of Arkansas Rule number 82. Expand to view Section 6 in the original announcement.
Arkansas Announces 2022 Company Renewal Dates
Arkansas announces that the renewal period is between June 1, 2022 - June 30, 2022.
NASAA Updates IAR CE Member Adoption list on its Website
NASAA provides an updated version of the IAR CE Member Adoption list on its website.
Arkansas finalizes their Pre-license Requirements Pertaining to Adjusters and Producers
Arkansas has finalized the required course of instruction requirements for adjusters and producers.
FAQs
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How Do I Get an Insurance License in Arkansas?
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How Do I Get a State Adjuster License in Arkansas?
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How do I renew my insurance license in Arkansas?
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How do I renew my nonresident insurance license in Arkansas?
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How Do I renew My Non-Resident Adjuster License in Arkansas?
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How Do I Renew My Adjuster License In Arkansas?