How Do I Get an Insurance License in Arizona?

The first step in getting your insurance license is determining what type of insurance agent you want to be, or what types of policies you need to sell. That will help you figure out what type, or types, of insurance licenses you need to get. Then, it’s time to begin studying. After completing all of your pre-license coursework or self-study you’ll need to take your insurance exam. You’ll take one exam for each line of insurance you wish to carry. Life, Accident, & Health (LA&H) and Property & Casualty (P&C) lines are combined lines in Arizona, so you will take two exams if you wish to attain all of these lines of authority: Property, Casualty, Life, Accident, Health. The State of Arizona requires that all insurance license applicants provide fingerprints prior to licensing. Giving your fingerprints will also initiate a background check, so if you have any prior misdemeanors or felonies, this can possibly affect the outcome of your licensing efforts. The fingerprinting fee is $20 plus the $22 FBI Fingerprint processing fee. Once you have completed your exams and completed your fingerprinting, you can apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. After submitting your license application to the state, you’ll need to mail in your fingerprint card to the Arizona Department of Insurance. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed. If you have any questions, you can call the Arizona Department of Insurance at (602) 364-4457 or email the License Department for more information.

How Do I Get a State Adjuster License in Arizona?

Preparation for this exam is not something to take lightly, since the average pass rate of insurance exams nationwide for first-time test-takers is around 55%. After you pass your exam, the State of Arizona requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this could affect the outcome of your licensing efforts. If you have specific questions regarding things that may come up on your background check you may call the Arizona Department of Insurance at (602) 364-4457 or send them an email. Once you have completed your exams and fingerprinting, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about twenty-four (24) hours. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

How do I renew my insurance license in Arizona?

If you hold an insurance license in Arizona you’ll need to renew your insurance license every four years. You’re required to complete forty-eight credit hours of continuing education during the four year between renewals. Six of those credit hours need to be in ethics. If you take the same course multiple times during a reporting period, it only counts once. You must also within 90 days of your license expiration in order to apply for renewal. You’ll be charged $120 per application to renew your license. <a href="https://agentsync.io">AgentSync</a> can help with insurance license renewals.

How do I renew my nonresident insurance license in Arizona?

Arizona law provides that a nonresident licensed in good standing in the home state is not required to complete Arizona-approved continuing education courses to be eligible to renew the Arizona insurance license. A nonresident license holder may, however, need to satisfy LTC training or flood insurance training requirements. Additional information can be found via <a href="https://insurance.az.gov/"> Arizona’s Department of Insurance & Financial Institutions</a>. You’ll be charged $120 per application to renew your license. <a href="https://agentsync.io">AgentSync</a> can help with nonresident insurance license renewals.

How Do I renew My Non-Resident Adjuster License in Arizona?

In Arizona, all requirements that apply to a resident, also apply to nonresident adjuster licenses. Arizona adjuster license renewal is required of all license-holders (both resident & nonresident) every four (4) years before the expiration date (the last day of your birth month). In Arizona, you are not required to complete hours of continuing education (CE) to upkeep your adjuster license. After you have completed your adjuster continuing education, you will renew your Arizona adjuster license online through an application on NIPR’s website. There is a $120 fee to renew your Arizona adjuster license. More information can be obtained via the Arizona Department of Insurance.

How Do I Renew My Adjuster License In Arizona?

Arizona adjuster license renewal is required of all license-holders every four (4) years before the expiration date. The expiration date of your license is set as the last day of your birth month. In Arizona, you are not required to complete hours of continuing education (CE) to upkeep your adjuster license. After you have completed your adjuster continuing education, you will renew your Arizona adjuster license online through an application on NIPR’s website. There is a $120 fee to renew your Arizona adjuster license. More information can be obtained via the Arizona Department of Insurance.

Arizona Insurance Licensing & Regulatory Compliance Updates

Appointments & Terminations

Required to report appointments?

No, Registry

Can be processed via nipr?

No

Fees for appointing a nonresident agency or individual?

$0

Termination reasons

Registry State - Cancelled; cancelled for cause

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $120 Resident New License Surplus Lines Broker: $1,000 (If two years or more left on insurance producer license) Resident New License Surplus Lines Broker: $500 (if less than two years left on insurance producer license) Non Resident New License Insurance Producer: $120 Non Resident New License Surplus Lines Broker: $1,000 (If two years or more left on insurance producer license) Non Resident New License Surplus Lines Broker: $500 (if less than two years left on insurance producer license)

License renewal fee

Resident Renewal Insurance Producer: $120 Resident Renewal Surplus Lines Broker: $1,000 Non Resident Renewal Insurance Producer: $120 Non Resident Renewal Surplus Lines Broker: $1,000

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 4 years based on year of first state license issue

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed up to one year after expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 4 years based on year of first state license issue

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed up to one year after expiration

Can a producer use a P.O. Box in their resident or business address?

No

Are individuals required to list their county as part of the address?

No

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Life Settlement Broker, Surplus Lines Broker, Adjuster, Bail Bond Agent, Temporary Producer, Portable Electronics Vendor, Risk Managment Consultant, Navigator, Certified Application Counselor, Insurance Producer, Self Service Storage Agent

State broker license rule

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?

No

Fingerprints Required?

Yes, for Resident Licensing

Fingerprint Submission Details

Required with Application - Available at exam site

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

Yes

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

Licensed producers must notify the Department within 30 days. Contact Change Request supported via NIPR Gateway.

Agency

Can a sole proprietor be licensed as an entity?

No

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

No

Agency Licensing renewals

90 days prior to expiration until the license expiration date. Late renewal period starts the day after license expiration date until one year past license expiration date.

Agency License required?

Yes

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes

No

Branch office

If the name is the same, then main license will meet the requirements.

Adjuster

Requires adjuster license?

Yes

Offers designated home state?

Yes

DHS exam required?

Yes

Reciprocity states

AK, AL, AR, 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

Which states require an exam for reciprocity?

CA, CT, HI, NY, PR, WY

Independent adjuster LOAS

Adjuster

Independent adjuster fees

Licensing Fee: $120 State Exam Fee: $120 Renewal Fee: $60-$120 depending on term

Independent adjuster exam required?

Yes

Independent adjuster details

If a non resident, the line of authority "Limited to Resident Authority" is also included. Note that they do not offer reciprocity with the designated home state

Speciality adjuster renewal date

Every 4 years on the last day of the individual's birth month.

Emergency adjuster details

Arizona does not issue Emergency Adjuster Licenses, but does allow Adjusters who hold adjuster licenses in their home state to adjust in Arizona in the event of an emergency. Company adjusters or Independent adjusters may adjust catastrophe claims without an Arizona insurance adjuster license. Public Adjusters cannot.

Continuing Education

Total hours per renewal period

48

Renewal period

4 years

License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

Prior to license expiration.

How long before expiration does state send CE reminder?

90 days prior to month of birth

Exemptions to CE

Those who are exclusively licensed as adjusters, or exclusively licensed as bail bonds agents. LOAs that have been active for less than a year when the existing license renews. Those who have been continually licensed in Arizona since Jan. 1, 1995, and haven't been licensed as nonresidents of other states, and haven't been found to be in violation of Arizona CE law.

What if a producer missed the renewal date?

A license can be reinstated without having to retake pre licensing courses or taking a written exam if the required CE is completed and double the renewal fee is paid within the year. You will also need to complete the reissue process through NIPR.

Ethics requirements

6

Flood-specific CE requirements

3 hours of NFIP course due every two years

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter

Annuity-specific CE requirements

One-time, 4-hour course

For more from agentsync

https://agentsync.io/blog/individual-producers/insurance-continuing-education-arizona

Regulatory Updates

Arizona Department of Insurance and Financial Institutions Publishes Continuing Education Program Provider Education Packet

On January 19, 2024 Arizona published their Continuing Education packet which will be handled through Prometric. Please see attached to learn more about Continuing Education instructions, provider information, course information, SBS instructions, fees and more.

Arizona Department of Insurance to Transition Continuing Education Services to State Based Systems (SBS)

AZ will transition all Continuing Education (CE) services (course applications, course rosters, addresses, contact updates, print license and transcript, etc) to State Based Systems (SBS) on Wednesday January 17, 2024

Arizona to Update Non Uniform Question (NUQ) for Individuals

Effective November 10, 2023, Arizona will update a Non Uniform Question (NUQ) 5 for Resident Licensing applications for individuals. UPDATE: Effective date has changed to November 17, 2023.

Arizona is Removing Fingerprint Fee for Adjusters

Effective September 15, 2023, non-resident individuals applying for Adjuster license class 5 (Adjuster), line of authority 889(Adjuster) will no longer be required to pay the fingerprint fee.

Arizona Updates Non Uniform Resident Licensing Question

Effective 12/8/2022 Arizona will update a Resident Licensing question related to fingerprints

Arizona Updates Conditions for Waived Licensing Fees

Effective 9/24/2022, AZ will waive the initial license fee for an individual whose family income does not exceed 200% of the federal poverty guidelines, active-duty military member's spouse, or for an honorably discharged veteran discharged no more than 2 years before the application.

FAQs

How Do I Get an Insurance License in Arizona?

The first step in getting your insurance license is determining what type of insurance agent you want to be, or what types of policies you need to sell. That will help you figure out what type, or types, of insurance licenses you need to get. Then, it’s time to begin studying. After completing all of your pre-license coursework or self-study you’ll need to take your insurance exam. You’ll take one exam for each line of insurance you wish to carry. Life, Accident, & Health (LA&H) and Property & Casualty (P&C) lines are combined lines in Arizona, so you will take two exams if you wish to attain all of these lines of authority: Property, Casualty, Life, Accident, Health.

The State of Arizona requires that all insurance license applicants provide fingerprints prior to licensing. Giving your fingerprints will also initiate a background check, so if you have any prior misdemeanors or felonies, this can possibly affect the outcome of your licensing efforts. The fingerprinting fee is $20 plus the $22 FBI Fingerprint processing fee.

Once you have completed your exams and completed your fingerprinting, you can apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. After submitting your license application to the state, you’ll need to mail in your fingerprint card to the Arizona Department of Insurance. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

If you have any questions, you can call the Arizona Department of Insurance at (602) 364-4457 or email the License Department for more information.
How Do I Get a State Adjuster License in Arizona?

Preparation for this exam is not something to take lightly, since the average pass rate of insurance exams nationwide for first-time test-takers is around 55%. After you pass your exam, the State of Arizona requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this could affect the outcome of your licensing efforts. If you have specific questions regarding things that may come up on your background check you may call the Arizona Department of Insurance at (602) 364-4457 or send them an email.

Once you have completed your exams and fingerprinting, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about twenty-four (24) hours. Depending on the results of your background check, the Department of Insurance may request more information or documentation.
How do I renew my insurance license in Arizona?

If you hold an insurance license in Arizona you’ll need to renew your insurance license every four years. You’re required to complete forty-eight credit hours of continuing education during the four year between renewals. Six of those credit hours need to be in ethics. If you take the same course multiple times during a reporting period, it only counts once.

You must also within 90 days of your license expiration in order to apply for renewal.

You’ll be charged $120 per application to renew your license.

AgentSync can help with insurance license renewals.
How do I renew my nonresident insurance license in Arizona?

Arizona law provides that a nonresident licensed in good standing in the home state is not required to complete Arizona-approved continuing education courses to be eligible to renew the Arizona insurance license. A nonresident license holder may, however, need to satisfy LTC training or flood insurance training requirements. Additional information can be found via Arizona’s Department of Insurance & Financial Institutions.

You’ll be charged $120 per application to renew your license.

AgentSync can help with nonresident insurance license renewals.
How Do I renew My Non-Resident Adjuster License in Arizona?

In Arizona, all requirements that apply to a resident, also apply to nonresident adjuster licenses. Arizona adjuster license renewal is required of all license-holders (both resident & nonresident) every four (4) years before the expiration date (the last day of your birth month).

In Arizona, you are not required to complete hours of continuing education (CE) to upkeep your adjuster license.

After you have completed your adjuster continuing education, you will renew your Arizona adjuster license online through an application on NIPR’s website.

There is a $120 fee to renew your Arizona adjuster license.

More information can be obtained via the Arizona Department of Insurance.
How Do I Renew My Adjuster License In Arizona?

Arizona adjuster license renewal is required of all license-holders every four (4) years before the expiration date. The expiration date of your license is set as the last day of your birth month.

In Arizona, you are not required to complete hours of continuing education (CE) to upkeep your adjuster license.

After you have completed your adjuster continuing education, you will renew your Arizona adjuster license online through an application on NIPR’s website.

There is a $120 fee to renew your Arizona adjuster license.

More information can be obtained via the Arizona Department of Insurance.