State Requirements

Business Rules

• 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.

• 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 Resident Arizona license must not have the following status reasons:
  • Surrendered 
  • 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"), and did not already disclose this name on the DBA section of the application, 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.

• Bail Bond Agent applicants must send in form L-195 and L-BBAA to Insurance Licensing Section 100 North 15th Avenue, Suite 102 Phoenix, AZ 85007-2624 or email to licensing@azinsurance.gov. Please include your NIPR Transaction Number.

• Risk Management Consultants must submit written authorization. Please visit www.nipr.com and submit required documentation electronically through the Additional Licensing Documents (ALD) section of the Attachments Warehouse: https://nipr.com/licensing-center/attachments

• 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 or email.

• Consider the following facts before applying for an Arizona insurance license:
  • Not everyone qualifies for an insurance license. 
  • 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.

• 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.

• 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.

• All fingerprints submitted to the Department of Insurance and Financial Institutions (DIFI) for bail recovery agents and resident insurance professional licenses must be submitted electronically through the Arizona Department of Public Safety’s (DPS) Public Services Portal (PSP) and the DPS electronic fingerprint vendor, Fieldprint. For detailed information please visit: https://difi.az.gov/finger-print 
  • The applicant is required to enter their DPS registration number on the NIPR application. This number can be found at the bottom of your DPS receipt and starts with the letter A and then is followed by numeric characters. 

• 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.