ARIZONA Resident Licensing for Individuals

APPLY HERE

State Announcements

Applicants must apply for the License Classes and Lines of Authorities they qualify for. If you apply for a License Class or for Lines of Authority that you do not qualify, the Department is unable to refund your fees. ARS 20-167.

Primary Rules (Individual)

Response Question
Yes Accepts initial license for individuals electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for individuals.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Rights and Responsibilities:

  • Licensing time frames. Once the Arizona Department of Insurance receives the application, it has up to one hundred and twenty (120) days to determine whether it contains all required information and is therefore "administratively complete," and up to an additional sixty (60) days to review the substance of the application. These timeframes are the outer limits by which the Department must grant or deny a license application. The Department processes most applications within thirty (30) days.
  • Once your application is submitted to the Department, you have 60 days to cure any deficiencies on the application or the application will be administratively withdrawn and the fees forfeited.

Business Rules (Individual)

Applicant must be 18 years old or older as determined from the applicant's Date of Birth.

P.O. Box or PMB (Private Mailbox) cannot be used for either residence or business address.

Surplus Lines Broker applicants must actively hold on PDB in Arizona Insurance Produce license class with Property and/or Casualty LOAs.

All applications for Variable Life and Variable Annuity  LOA must already have an active AZ Life LOA on the Producer Database (PDB) or be applying for a Life LOA at the same time.

All instances of phone number must be a valid 10 digit phone number (extensions are allowed).

Applicants are allowed to late renew for up to one year past license expiration date. After one year applicant must reapply as a new applicant. *Excludes applicants in Surrendered status.

Applicants with a status reason of surrendered cannot reapply for one year from date of surrender. After one year applicant must reapply as new. 

Applicant's Arizona license must not have the following status reasons:

  • Suspended
  • Revoked
  • Deceased
  • Refuse to Renew
  • Military

If applicant's Arizona license is eligible for late renewal, then application for new license classes and/or LOAs will not be permitted.

Applicant is allowed to amend their license during their normal renewal period

Applicants applying for Navigator must have at least one entry on the Affiliations section of the application that is actively licensed as a Navigator in Arizona

Applicants applying for Life Settlement Broker license class must actively hold Insurance Producer Life LOA (PDB: 16) on PDB

If you intend to do business under a name other than your legal name (called an "assumed name" or "DBA name"), complete and submit Form L-193 (Certificate of Assumed Business Name).

Protect your assumed name by registering it as a trade name with the Arizona Secretary of State. If you do not register a trade name, another person may register the name, which will force you to stop using the name.

Applicants applying for Navigator or Certified Applications Councelor must provide training certification from United States Department of Health and Human Services. Please send to Insurance Licensing Section 2910 N. 44th St., Suite 210 Phoenix, AZ 85018-7269 or email to licensing@azinsurance.gov. Please include your NIPR Transaction Number.

Bail Bond Agent applicants must send in form L-195 and L-BBAA to Insurance Licensing Section 2910 N. 44th St., Suite 210 Phoenix, AZ 85018-7269 or email to licensing@azinsurance.gov. Please include your NIPR Transaction Number.

Risk Management Consultants must send written authorization to Insurance Licensing Section 2910 N. 44th St., Suite 210 Phoenix, AZ 85018-7269 or email to licensing@azinsurance.gov. Please include the NIPR Transaction Number.


Consider the following facts before applying for an Arizona insurance license:

  • Not everyone qualifies for an insurance license. If applicant has surrendered an Arizona insurance license they may not apply for an Arizona insurance license for one (1) year. If license surrendered was a line of license authority from an insurance license, applicant may not apply for the same license authority for a year. ARS § 20–289(F).
  • Arizona can deny a license for any cause listed in Arizona Revised Statutes ("ARS") § 20–295. Review this statute before deciding to spend the time, effort and money to apply for a license. Truthfully and completely answer questions asked on the application, and it may be necessary to provide additional documentation.
  • Except for confidential pieces of information such as applicant's birth date and social security number, application and documentation will be a matter of public record, which means that any member of the public can view or obtain a photocopy of the information.

License Application Steps:

  • Pass an examination that corresponds to the desired insurance license authority, if applicable. Arizona law does not make exceptions for professional insurance designations or experience.
  • Study for exam. Arizona law does not require pre-license education. Visit the producer's page of the Arizona Department of Insurance website for information about examinations.
  • Schedule exam. Contact Prometric, Arizona's examination administrator.
  • Complete the NIPR's Resident Licensing (RL) Application on www.nipr.com. After completion, the system may say that the application is "administratively deficient" and will identify additional requirements.
  • If you answer yes to one (1) or more of the background questions, select the "Background Questions Supporting Documents" option for the NIPR Attachments Warehouse to submit:
    • A signed statement describing (in detail) all incidents including (i) names of all involved, (ii) dates and locations, (iii) the names and localities of any courts and/or administrative agencies involved, (iv) the disposition of each matter, (v) whether the conviction, plea or finding was for a felony, misdemeanor or open-ended charge.
    • Documents showing charges and case disposition, including all indictments, complaints, plea agreements, orders of conviction, judgments, notices of hearing or trial, sentencing orders, suspension/revocation orders and other information, that relates to each matter.
    • "Short Form Application for Written Consent to Engage in the Business of Insurance Pursuant to 18 USC §§ 1033 and 1034" if (and only if) convicted of a felony involving dishonesty or a breach of trust, or convicted of violating 18 USC § 1033. Visit the producers page of the Arizona Department of Insurance website to download this form and for additional "Section 1033 waiver" information.
  • If you do not currently hold an Arizona-resident insurance license;
    • Submit a fingerprint card on FBI Form FD­258.
    • For the applicant, or visit the Producers page of the Arizona Department of Insurance website for fingerprinting information.
    • Submit an original, signed Form L­152 (License Eligibility / Lawful Presence Requirement) with a copy of one (1) of the listed forms of identification. Visit the producers page of the Arizona Department of Insurance website for Form L­152 and additional information about this requirement.
  • If you intend to use an "assumed name" or "DBA" name:
    • File Form L­193 to use any name other than applicant's genuine name when engaging in business under an Arizona insurance license. Visit the producers page of the Arizona Department of Insurance website for Form L­193 and additional information about this requirement.
    • Register a "trade name" with the Arizona Secretary of State to prevent anyone else from taking the name in Arizona.

Additional Requirements for Certain Types of Licenses:

  • For a bail bond agent license,
    • Submit the original of a surety bond executed by the surety insurer on Form L­195. Visit the Producers page of the Arizona Department of Insurance website for Form L­195 and additional information about becoming a bail bond agent.
  • For a risk management consultant license (individuals only), submit the original of a letter from the county/city/town manager or equivalent official prepared on the letterhead of the political subdivision confirming designation as the risk management consultant.
  • For a surplus lines broker license,
    • Applicant must hold or be applying for an Arizona-resident property or casualty line of authority.
    • At least one (1) individual in each office location must be licensed as a property or casualty insurance professional and as a surplus lines broker.
  • An Arizona-licensed insurance professional must:
    • Report changes of address, email addresses, name changes, or changes to a business entity's principals (officers, members, directors, designated responsible producer, etc.) within thirty (30) days. ARS § 20­286(C).
    • Report administrative actions within thirty (30) days after the final disposition of the case. ARS § 20­301(A).
    • Report criminal prosecutions within thirty (30) days after the pretrial hearing, indictment or judgment, whichever is first. ARS § 20­301(B).
    • Renew the license prior to its expiration. Whether the Department of Insurance, as a courtesy, notifies a licensee of an upcoming license expiration, the licensee is solely responsible for fulfilling all license renewal requirements prior to the license expiration.
    • Maintain and apply up-to-date knowledge. Use the Arizona Department of Insurance website as a resource for Arizona laws, rules, regulatory bulletins, and other important information.

State Offerings (Individual)

Please note that license class names can vary by state.

License Class Line of Authority (LOA) Exam Required
Insurance Producer Life Yes
Insurance Producer Accident and Health or Sickness Yes
Insurance Producer Property Yes
Insurance Producer Casualty Yes
Insurance Producer Variable Life and Variable Annuity Yes
Insurance Producer Personal Lines Yes
Insurance Producer Credit Yes
Insurance Producer Crop Yes
Insurance Producer Car Rental No
Surplus Lines Broker Surplus Lines Broker Yes
Surplus Lines Broker Mexican Ins Surplus Lines No
Life Settlement Broker Life Settlement Broker No
Title Agent Title Agent No
Adjuster Adjuster No
Adjuster Portable Electronics Adjuster No
Bail Bond Agent Bail Bond Agent Yes
Navigator Navigator No
Certified Application Counselor Certified Application Counselor No
Portable Electronics Vendor Portable Electronics Vendor No
Risk Management Consultant Risk Management Consultant No
Self Service Storage Agent Self Service Storage Agent No
Temporary Insurance Producer Life No
Temporary Insurance Producer Accident and Health or Sickness No
Temporary Insurance Producer Property No
Temporary Insurance Producer Casualty No
Temporary Insurance Producer Variable Life and Variable Annuity No
Temporary Insurance Producer Personal Lines No
Temporary Insurance Producer Credit No
Temporary Insurance Producer Crop No

License Fees (Individual)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Type/LOA License Fee* Amendment Fee*
Insurance Producer /All LOAs $120 $120
Fingerprint Fee - All License Types
Exceptions:
  • Fingerprint fee does not apply for amendments
  • Portable Electronics Vendor
  • Car Rental
  • Self-Service Storage Agent
  • Surplus Lines Broker
  • Life Settlement Broker
$22 N/A
Surplus Lines Broker / All LOAs (with two years or more left on Insurance Producer license). $1,000 $1,000
Surplus Lines Broker/ All LOAs (less than two years left on Insurance Producer license). $500 $500
Life Settlement Broker (with two years or more left on Insurance Producer license). $500 N/A
Life Settlement Broker (less than two years left on Insurance Producer license) $250 N/A
Adjuster $120 $120
Bail Bond Agent $120 N/A
Navigator $0 N/A
Certified Application Counselor $0 N/A
Portable Electronics Vendor $120 N/A
Risk Management Consultant $120 N/A
Self Service Storage Agent $120 N/A
Temporary Insurance Producer $120 $120

* Per application.
**A fingerprint fee of $22.00 will be applied on initial license applications. Fingerprint fee does not apply on amendment transactions. A fingerprint fee will also not be assessed if the applicant holds an active resident Arizona license on PDB that has an original issue date within the last 6 months.

Contacts

Last Update: 8/29/2017

ARIZONA Resident Licensing for Business Entities

APPLY HERE

State Announcements

Applicants must apply for the License Classes and Lines of Authorities they qualify for. If you apply for a License Class or for Lines of Authority that you do not qualify, the Department is unable to refund your fees. ARS 20-167.

Primary Rules (Business Entity)

Response Question
Yes Accepts initial license for business entities electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for business entities.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Rights and Responsibilities:

  • Licensing time frames. Once the Arizona Department of Insurance receives the application, it has up to one hundred and twenty (120) days to determine whether it contains all required information and is therefore "administratively complete," and up to an additional sixty (60) days to review the substance of the application. These timeframes are the outer limits by which the Department must grant or deny a license application. The Department processes most applications within thirty (30) days.
  • Once your application is submitted to the Department, you have 60 days to cure any deficiencies on the application or the application will be administratively withdrawn and the fees forfeited.

Business Rules (Business Entity)

Applicant may not be a sole proprietor.

P.O. Box or PMB (Private Mailbox) cannot be used for business address.

All instances of phone number must be a valid 10 digit phone number (extensions are allowed).

All applications for Variable Life and Variable Annuity  LOA must already have an active AZ Life LOA on the Producer Database (PDB) or be applying for a Life LOA at the same time.

Surplus Lines Broker applicants must actively hold on PDB in Arizona Insurance Produce license class with Property and/or Casualty LOAs.

Exactly one Designated Responsible Licensed Producer (DRLP) must be provided on application. The DRLP entered must have an active equivalent Arizona license class on PDB (resident or non-resident) for the license class supplied in the transaction.

*Exception: Not required for the following LOAs:

  • Car Rental (PDB: 942)
  • Title Agent (PDB: 1242)
  • Portable Electronics Vendor (PDB: 10395)
  • Self Service Storage Agent  (PDB: 11980)
  • Life Settlement Broker (PDB Code 552)

Business Entity applicants who have no active AZ license record on PDB must enter at least one 'Individual' entity type on the Owners, Officers, Partners and Directors (OPOD) section of the application.

*fingerprint fees are required. A fingerprint fee will not be assessed if the OPOD entry holds an active resident Arizona license on PDB that has an original issue date within the last 6 months.

*Exception: not required for the following LOAS:

  • Portable Electronics Vendor
  • Car Rental
  • Self Service Storage Agent 
  • Travel Surplus Lines Broker
  • Life Settlement Broker

Changes to Owners, Partners, Officers and/or Directors (OPOD) cannot be updated through this process. If you need to update the OPOD's please submit form L-177 which is available on our website https://insurance.az.gov/producers/licensing-related-forms

Life Settlement Brokers must hold an active 'Producer, Life' line of authority on PDB or be applying for an underlying Life LOA at the same time as the Life Settlement Brokers LOA.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.


Consider the following facts before applying for an Arizona insurance license:

  • Not everyone qualifies for an insurance license. If applicant has surrendered an Arizona insurance license they may not apply for an Arizona insurance license for one (1) year. If license surrendered was a line of license authority from an insurance license, applicant may not apply for the same license authority for a year. ARS § 20–289(F).
  • Arizona can deny a license for any cause listed in Arizona Revised Statutes ("ARS") § 20–295. Review this statute before deciding to spend the time, effort and money to apply for a license. Truthfully and completely answer questions asked on the application, and it may be necessary to provide additional documentation.
  • Except for confidential pieces of information such as applicant's birth date and social security number, application and documentation will be a matter of public record, which means that any member of the public can view or obtain a photocopy of the information.

License Application Steps:

  • Pass an examination that corresponds to the desired insurance license authority (unless only applying for travel, accident and baggage insurance professional license or managing general agent license or surplus lines, mexican insurance broker license). Arizona law does not make exceptions for professional insurance designations or experience.
    • Study for exam. Arizona law does not require prelicense education. Visit the producers page of the Arizona Department of Insurance website for information about examinations.
    • Schedule exam. Contact Prometric, Arizona's examination administrator.
  • Complete the NIPR's ERL Application. After completion, the system may say that the application is "administratively deficient" and will identify additional requirements.
  • If you answer yes to one (1) or more of the background questions, select the "Background Questions Supporting Documents" option for the NIPR Attachments Warehouse to submit:
    • A signed statement describing (in detail) all incidents including (i) names of all involved, (ii) dates and locations, (iii) the names and localities of any courts and/or administrative agencies involved, (iv) the disposition of each matter, (v) whether the conviction, plea or finding was for a felony, misdemeanor or open-ended charge.
    • Documents showing charges and case disposition, including all indictments, complaints, plea agreements, orders of conviction, judgments, notices of hearing or trial, sentencing orders, suspension/revocation orders and other information, that relates to each matter.
    • "Short Form Application for Written Consent to Engage in the Business of Insurance Pursuant to 18 USC §§ 1033 and 1034" if (and only if) convicted of a felony involving dishonesty or a breach of trust, or convicted of violating 18 USC § 1033. Visit the producers page of the Arizona Department of Insurance websiteto download this form and for additional "Section 1033 waiver" information.
  • If you do not currently hold an Arizona-resident insurance license;
    • Submit a fingerprint card on FBI Form FD­258.
    • For the applicant, or visit the Producers page of the Arizona Department of Insurance website for fingerprinting information.
    • Submit an original, signed Form L­152 (License Eligibility / Lawful Presence Requirement) with a copy of one (1) of the listed forms of identification. Visit the producers page of the Arizona Department of Insurance website for Form L­152 and additional information about this requirement.
  • If you intend to use an "assumed name" or "DBA" name:
    • File Form L­193 to use any name other than applicant's genuine name when engaging in business under an Arizona insurance license. Visit the producers page of the Arizona Department of Insurance website for Form L­193 and additional information about this requirement.
    • Register a "trade name" with the Arizona Secretary of State to prevent anyone else from taking the name in Arizona.

Additional Requirements for Certain Types of Licenses:

  • For a bail bond agent license, submit the original of a surety bond executed by the surety insurer on Form L­195. Visit the Producers page of the Arizona Department of Insurance website for Form L­195 and additional information about becoming a bail bond agent.
  • For a risk management consultant license (individuals only), submit the original of a letter from the county/city/town manager or equivalent official prepared on the letterhead of the political subdivision confirming designation as the risk management consultant.
  • For a surplus lines broker license, applicant must hold or be applying for an Arizona-resident property or casualty line of authority.
    • At least one (1) individual in each office location must be licensed as a property or casualty insurance professional and as a surplus lines broker.
  • An Arizona-licensed insurance professional must report changes of address, email addresses, name changes, or changes to a business entity's principals (officers, members, directors, designated responsible producer, etc.) within thirty (30) days. ARS § 20­286(C).
    • Report administrative actions within thirty (30) days after the final disposition of the case. ARS § 20­301(A).
    • Report criminal prosecutions within thirty (30) days after the pretrial hearing, indictment or judgment, whichever is first. ARS § 20­301(B).
    • Renew the license prior to its expiration. Whether the Department of Insurance, as a courtesy, notifies a licensee of upcoming license expiration, the licensee is solely responsible for fulfilling all license renewal requirements prior to the license expiration.
    • Maintain and apply up-to-date knowledge. Use the Arizona Department of Insurance website as a resource for Arizona laws, rules, regulatory bulletins, and other important information.

State Offerings (Business Entity)

License Class Line of Authority (LOA) DRLP Required
Insurance Producer Life Yes
Insurance Producer Accident and Health or Sickness Yes
Insurance Producer Property Yes
Insurance Producer Casualty Yes
Insurance Producer Variable Life and Variable Annuity Yes
Insurance Producer Personal Lines Yes
Insurance Producer Credit Yes
Insurance Producer Crop Yes
Insurance Producer Car Rental No
Insurance Producer Travel Yes
Surplus Lines Broker Surplus Lines Broker Yes
Surplus Lines Broker Mexican Ins Surplus Lines Yes
Life Settlement Broker Life Settlement Broker No
Title Agent Title Agent No
Adjuster Adjuster Yes
Adjuster Portable Electronics Adjuster Yes
Bail Bond Agent Bail Bond Agent Yes
Navigator Navigator Yes
Portable Electronics Vendor Portable Electronics Vendor No
Self Service Storage Agent Self Service Storage Agent No

License Fees (Business Entity)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Type/LOA License Fee* Amendment Fee*
Insurance Producer /All LOAs $120 $120
Fingerprint Fee for OPOD entries - All License Types
Exceptions:
  • Fingerprint fee does not apply for amendments
  • Portable Electronics Vendor
  • Car Rental
  • Self-Service Storage Agent
  • Surplus Lines Broker
  • Life Settlement Broker
$22 N/A
Surplus Lines Broker / All LOAs (with two years or more left on Insurance Producer license). $1,000 $1,000
Surplus Lines Broker/ All LOAs (less than two years left on Insurance Producer license). $500 $500
Life Settlement Broker (with two years or more left on Insurance Producer license). $500 N/A
Life Settlement Broker (less than two years left on Insurance Producer license) $250 N/A
Title Agent $120 N/A
Adjuster $120 $120
Bail Bond Agent $120 N/A
Navigator $0 N/A
Portable Electronics Vendor $120 N/A
Self Service Storage Agent $120 N/A

* Per application.
**A fingerprint Fee of $22.00 is required for all individuals and persons listed as a member, officer and director on the application. A fingerprint fee will not be assessed if the member holds an active resident Arizona license on PDB that has an original issue date within the last 6 months. Fingerprint fees are not collected on amendment transactions. The following license classes are excluded: Portable Electronics AGT LOA, Rental Car Agent, Self Storage Agent and LTD Lines Travel Producer.

Contacts

Last Update: 8/29/2017

APPLY HERE