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Arkansas Health Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Fraternal Benefit Society Agent

Health-selling fraternal agents use producer licensing provisions, subject to statutory incidental salaried-service and part-time solicitation exceptions.

Licensing authority: Arkansas Insurance Department · Application information

Nonresident fraternal health agent reciprocity
No examination is required for this applicant pathway.
Application
Meet reciprocal licensing, application and fee conditions.
Home License
Hold equivalent resident authority in good standing.

Official no-examination sources

Effective from 2026-09-22.

Fraternal producer reinstatement within twelve months
No examination is required for this applicant pathway.
Lapse Window
Apply within 12 months of the renewal-fee due date; meet fees and applicable continuing education.

Official no-examination sources

Effective from 2026-09-22.

Fraternal health agent renewal
No examination is required for this applicant pathway.
Education
Complete applicable health-producer continuing education unless exempt.
Fees
Pay applicable producer renewal fees.
Grandfathering
Statute protects examination-free continuation for licenses held December 31, 1989 and licenses obtained January 1, 1990 through June 30, 1991; no currently open initial grandfather issuance route is asserted.

Official no-examination sources

Effective from 2026-09-22.

Resident fraternal health agent initial licensure
Arkansas Health Producer Examination
Activity
Solicit fraternal health coverage outside statutory unlicensed incidental-service exceptions.
Application
Meet ordinary producer qualifications, application and background conditions.
Education
Complete health prelicensing instruction unless exempt.
Incidental Service
23-74-609 exempts qualifying noncommissioned salaried incidental service and below-half-time representatives, subject to statutory production presumptions.
Fraternal agent becoming an Arkansas resident
No examination is required for this applicant pathway.
Prior License
Same authority currently licensed elsewhere, or apply within 90 days after cancellation with good-standing evidence.
Relocation
Apply within 90 days after establishing Arkansas residence.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Accident and Health or Sickness

Health authority on the producer license; includes individuals, business entities and restricted accident/disability authorities. A line of authority is not a separate examination.

Licensing authority: Arkansas Insurance Department · Application information

Restricted transportation accident ticket authority
No examination is required for this applicant pathway.
Application
Apply for the restricted producer authority and meet applicable qualifications and fees.
Restriction
Common-carrier ticket agent sells only incidental accident-ticket policies.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reciprocity
No examination is required for this applicant pathway.
Application
Submit the application and fees.
Home License
Business entity is licensed in good standing in its home jurisdiction.
Reciprocity
Home-jurisdiction licensing is reciprocal.
Responsible Producer
Maintain the designated licensed producer responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Business entity renewal
No examination is required for this applicant pathway.
Fee
Renew annually and pay the regulatory fee by October 1.
Responsible Producer
Maintain the licensed producer responsible for compliance.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity licensure
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and fees.
Responsible Producer
Designate a licensed producer responsible for compliance; that license is an applicant condition.

Official no-examination sources

Effective from 2026-09-22.

Limited credit disability authority
No examination is required for this applicant pathway.
Application
Apply for the restricted producer authority and meet applicable qualifications and fees.
Restriction
Restricted to credit disability in connection with an extension of credit; insurer-provided instruction is required.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months
No examination is required for this applicant pathway.
Education
Meet continuing-education conditions.
Fees
Pay renewal fees and the statutory late penalty.
Time Limit
Apply within 12 months after the renewal-fee due date.
Waivers
Military service or extenuating circumstances may support a waiver request under 23-64-507(d).

Official no-examination sources

Effective from 2026-09-22.

Individual producer renewal
No examination is required for this applicant pathway.
Course Assessments
Course-completion tests are education conditions; no named separate licensing examination is identified.
Education
Unless exempt, complete 24 approved hours per two-year renewal cycle including three ethics hours.
Exemptions
Part 18 provides nonresident, military, medical-extension and qualifying pre-July 2003 licensing exceptions.
Fees
Pay renewal and continuing-education filing fees timely.

Official no-examination sources

Effective from 2026-09-22.

Restricted mortgagor decreasing term disability authority
No examination is required for this applicant pathway.
Application
Apply for the restricted producer authority and meet applicable qualifications and fees.
Restriction
Restricted to decreasing-term disability coverage sold to debtors of the applicant or employer.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted health related authority
No examination is required for this applicant pathway.
Application
Meet reciprocal licensing, application and fee conditions.
Home License
Hold a home-jurisdiction limited credit or restricted health-related producer authority.
Scope
Arkansas grants the same restricted scope as the home license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the uniform or home-jurisdiction application and fees.
Home License
Hold equivalent resident authority in good standing.
Prior Examinations
Examinations underlying the home license are applicant evidence, not Arkansas leaves.
Reciprocity
Home jurisdiction awards Arkansas residents licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Resident producer adding health authority
Arkansas Health Producer Examination
Application
Satisfy ordinary application and examination-approval conditions.
Education
Complete the health curriculum and present a valid course certificate.
Existing License
Hold a producer license and apply for the additional health line.
Resident initial licensure by examination
Arkansas Health Producer Examination
Age
At least 18 years old.
Application
Submit the resident application through NIPR and required fees.
Appointment
The insurer submits appointment within 15 days after contract or first business; maintain appointment records.
Approval
Obtain Department approval and PSI confirmation before scheduling.
Attempts
Pass within the 90-day approval period; at most three attempts, then four-week wait and reapplication.
Background Check
Complete the criminal background check before Department approval.
Certificate
Present the prelicensing certificate at each attempt; certificate must be no more than two years old.
Education
Complete 20 approved hours of accident/health prelicensing instruction, including state law and ethics.
Fitness
Meet statutory fitness requirements and disclose criminal and regulatory history truthfully.
Resident licensure using prior equivalent authority
No examination is required for this applicant pathway.
License Currency
Currently licensed there, or apply within 90 days after cancellation with evidence of good standing.
Relocation
Apply within 90 days after establishing Arkansas residence; change or surrender the former resident license, which the Department verifies.
Same Authority
Previously licensed for the same authority.
Waiver
Equivalent authority is exempt from education and examination; relocation provision preserves Commissioner regulation authority.

Official no-examination sources

Effective from 2026-09-22.

Resident new application after the reinstatement period
Arkansas Health Producer Examination
Application
Seek a new resident health license under ordinary application and examination provisions.
Education
Meet health prelicensing requirements.
Lapse
Prior individual license lapsed beyond the statutory 12-month reinstatement period.
Waivers
A military-service or extenuating-circumstances waiver may be requested under 23-64-507(d).

Arkansas Health Producer Examination

Provider
PSI Services LLC
Format
Computer-administered closed-book examination
Exam questions
100 scored questions plus 10 pretest questions: 30 scored Arkansas-specific and 70 scored General Knowledge
Time limit
150 minutes; Arkansas-specific portion 60 minutes, General Knowledge portion 90 minutes
Passing score
70%; the published outline states 70% for each portion
Exam fee
$50
Examination outline
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO LIFE AND HEALTH INSURANCE — The Insurance Commissioner
    • Appointment
    • General duties and powers
    • Examination of records
    • Hearings/notice of hearings/orders
    • Penalties
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO LIFE AND HEALTH INSURANCE — Definitions
    • Authorized and unauthorized companies
    • Domestic, foreign, and alien companies
    • Fraternals
    • Stock and mutual companies
    • Certificate of authority
    • Insurance transaction
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO LIFE AND HEALTH INSURANCE — Licensing
    • Persons required to be licensed
    • Persons required to be licensed / Producer
    • Persons required to be licensed / Consultant
    • Persons required to be licensed / Resident/nonresident
    • Persons required to be licensed / Temporary license
    • Producer appointment/termination of contract
    • Exemptions/exceptions
    • Maintaining a license
    • Maintaining a license / Continuing education
    • Maintaining a license / Change of Contact Information
    • Maintaining a license / Administrative fees
    • Renewal, suspension, or revocation of license
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO LIFE AND HEALTH INSURANCE — Producer Responsibilities
    • Fiduciary capacity
    • Commissions
    • Fraud reporting
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO LIFE AND HEALTH INSURANCE — Life and Health Insurance Guaranty Association Act
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO LIFE AND HEALTH INSURANCE — Marketing Practices
    • Unfair claims practices
    • Unfair methods of competition
    • Unfair methods of competition / Rebating
    • Unfair methods of competition / Misrepresentation
    • Unfair methods of competition / False advertising
    • Unfair methods of competition / Defamation
    • Unfair methods of competition / False financial statements
    • Unfair methods of competition / Boycott, coercion, intimidation
    • Unfair methods of competition / Unfair discrimination
    • Unfair methods of competition / Twisting
    • Unfair methods of competition / Churning of business
    • Advertising: producer responsibilities
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — Policy Provisions
    • Policy requirements
    • Coverages
    • Coverages / Coverage for newborns
    • Coverages / Coverage for Adoptions
    • Coverages / Coverage for mental health services
    • Coverages / Coverage for maternity benefits
    • Coverages / Coverage for chiropractic services
    • Coverages / Coverage for substance abuse
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — Medicare Supplement
    • Minimum standards
    • Provisions
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — Health Advertising
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — Long Term Insurance Care Act
    • Minimum standards
    • Provisions
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — Group/Blanket Health
    • Standards
    • Provisions
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — Small Group Coverage
    • Small employer
    • Eligible employee
    • Provisions
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — Health Maintenance Organizations (HMOs)
  • ARKANSAS LAWS, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY — COBRA Health - State Continuation
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Federal Laws and Regulations
    • Fair Credit Reporting Act - Purpose
    • Privacy [Gramm Leach Bliley]
    • Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
    • Affordable Care Act (ACA)
    • National Do Not Call List
    • CAN-SPAM Act
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — General Insurance Concepts
    • Risk
    • Risk / Methods of Handling Risk (Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (Risk, Hazard, Peril, Loss)
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers / Express
    • Authority and Powers of Producers / Implied
    • Authority and Powers of Producers / Apparent
    • Authority and Powers of Producers / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Accident and Health Insurance Basics
    • Field Underwriting
    • Field Underwriting / Application Procedures
    • Field Underwriting / Disclosures and Privacy
    • Underwriting Requirements (Varies by Insurer)
    • Sources of Underwriting
    • Sources of Underwriting / Application
    • Sources of Underwriting / Producer's report
    • Sources of Underwriting / Medical information bureau (MIB)
    • Sources of Underwriting / Inspection report
    • Sources of Underwriting / Medical examination
    • Sources of Underwriting / Attending physician's report
    • Policy Delivery
    • Policy Delivery / Effective Date of Coverage
    • Policy Delivery / Policy Review
    • Policy Delivery / Premium Collection Methods (e.g., Electronic, Physical, EFT, ACH)
    • Policy Delivery / Statement of Good Health
    • Definitions of Perils
    • Definitions of Perils / Accidental Injury
    • Definitions of Perils / Sickness
    • Types of Losses and Benefits
    • Types of Losses and Benefits / Loss of Income from Disability (Short-Term/Long-Term Disability)
    • Types of Losses and Benefits / Medical Expense
    • Types of Losses and Benefits / Long-Term Care Expense
    • Classification of Risks
    • Classification of Risks / Preferred
    • Classification of Risks / Standard
    • Classification of Risks / Substandard
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Individual Accident and Health Insurance Policy Provisions
    • Uniform Required Provisions
    • Uniform Required Provisions / Time Limit on Certain Defenses
    • Uniform Required Provisions / Grace Period
    • Uniform Required Provisions / Reinstatement
    • Uniform Required Provisions / Claim Forms
    • Uniform Required Provisions / Proof of Loss
    • Uniform Required Provisions / Time of Payment of Claims
    • Uniform Required Provisions / Physical Examinations and Autopsy
    • Uniform Required Provisions / Legal Actions
    • Uniform Required Provisions / Entire Contract
    • Uniform Required Provisions / Payment of Claims
    • Uniform Required Provisions / Change of Beneficiary
    • Uniform Required Provisions / Notice of Claim
    • Uniform Optional Provisions
    • Uniform Optional Provisions / Change of Occupation
    • Uniform Optional Provisions / Misstatement of Age/Sex
    • Uniform Optional Provisions / Illegal Occupation
    • Uniform Optional Provisions / Intoxicants, Narcotics, or Other Controlled Substances
    • Other General Provisions
    • Other General Provisions / Right to Examine/Free Look
    • Other General Provisions / Insuring Clause
    • Other General Provisions / Consideration Clause
    • Other General Provisions / Coinsurance
    • Other General Provisions / Probationary Period
    • Other General Provisions / Elimination Period
    • Other General Provisions / Exclusions
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Disability Income and Related Insurance
    • Benefits Determination for Disability
    • Benefits Determination for Disability / Indemnity
    • Benefits Determination for Disability / Loss of Income
    • Qualifications of Disability
    • Qualifications of Disability / Total (Own Occupation, Any Occupation)
    • Qualifications of Disability / Partial
    • Qualifications of Disability / Permanent
    • Qualifications of Disability / Presumptive
    • Qualifications of Disability / Recurrent
    • Qualifications of Disability / Residual
    • Qualifications of Disability / Inability to Perform Duties
    • Qualifications of Disability / Occupational versus Non-Occupational
    • Individual Disability Income Insurance
    • Individual Disability Income Insurance / Basic Total Disability Plan
    • Individual Disability Income Insurance / Cost of Living Rider
    • Individual Disability Income Insurance / Future Increase Option Rider
    • Individual Disability Income Insurance / Change of Occupation
    • Individual Disability Income Insurance / Other Cash Benefits - (Accidental Death and Dismemberment (AD&D), Rehabilitation Benefit, Medical Reimbursement Benefit)
    • Individual Disability Income Insurance / Refund Provisions
    • Individual Disability Income Insurance / Exclusions
    • Individual Disability Income Insurance / Waiver of Premium
    • Individual Disability Income Insurance / Probationary Period
    • Individual Disability Income Insurance / Elimination Period
    • Individual Disability Income Insurance / Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting
    • Unique Aspects of Individual Disability Income Underwriting / Occupational Considerations
    • Unique Aspects of Individual Disability Income Underwriting / Benefit Limits
    • Unique Aspects of Individual Disability Income Underwriting / Policy Issuance Alternatives
    • Group Disability Income Insurance
    • Group Disability Income Insurance / Short-Term Disability
    • Group Disability Income Insurance / Long-Term Disability
    • Group Disability Income Insurance / Coordination of Benefits (Workers' Compensation Benefits and Social Insurance)
    • Group Disability Income Insurance / At-work benefits
    • Business Disability Income Insurance
    • Business Disability Income Insurance / Key Employee Disability Income
    • Business Disability Income Insurance / Disability Buy-Sell Policy
    • Business Disability Income Insurance / Business Overhead Expense
    • Social Security Disability Income
    • Social Security Disability Income / Qualification for Disability Benefits
    • Social Security Disability Income / Definition of Disability
    • Social Security Disability Income / Waiting Period
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Medical Plans
    • Medical Plan Concepts
    • Medical Plan Concepts / Fee-for-Service
    • Medical Plan Concepts / Prepaid
    • Medical Plan Concepts / Specified disease/Dread disease insurance
    • Medical Plan Concepts / Comprehensive Coverage
    • Medical Plan Concepts / Dependent Coverage
    • Provisions and Clauses
    • Provisions and Clauses / Deductibles
    • Provisions and Clauses / Stop-Loss Provision
    • Provisions and Clauses / Impairment rider
    • Types of Medical Plans
    • Types of Medical Plans / Major Medical Insurance
    • Types of Medical Plans / Health Maintenance Organizations (HMOs)
    • Types of Medical Plans / Health Maintenance Organizations (HMOs) / Preferred Provider Organzations (PPOs)
    • Types of Medical Plans / Health Maintenance Organizations (HMOs) / Point-of-Service (POS) Plans
    • Cost Containment in Health Care Delivery
    • Cost Containment in Health Care Delivery / Managed Care
    • Cost Containment in Health Care Delivery / Preventive Care
    • Cost Containment in Health Care Delivery / Outpatient Benefits
    • Cost Containment in Health Care Delivery / Utilization Management
    • Cost Containment in Health Care Delivery / Preauthorization
    • Cost Containment in Health Care Delivery / Primary Care Physician
    • Limited Health Insurance Policies
    • Limited Health Insurance Policies / Accidental Death and Dismemberment
    • Limited Health Insurance Policies / Hospital indemnity
    • Limited Health Insurance Policies / Critical Illness/Dread Disease
    • Limited Health Insurance Policies / Vision Care
    • Limited Health Insurance Policies / Hearing
    • Limited Health Insurance Policies / Dental
    • Limited Health Insurance Policies / Health Insurance Portability and Accountability Act (HIPAA)
    • Limited Health Insurance Policies / Health Insurance Portability and Accountability Act (HIPAA) / Eligibility Requirements
    • Limited Health Insurance Policies / Health Insurance Portability and Accountability Act (HIPAA) / Terms
    • Limited Health Insurance Policies / Health Insurance Portability and Accountability Act (HIPAA) / Privacy
    • Limited Health Insurance Policies / Health Insurance Portability and Accountability Act (HIPAA) / Portability
    • Affordable Care Act (ACA)
    • Affordable Care Act (ACA) / Eligibility
    • Affordable Care Act (ACA) / Dependent coverage
    • Affordable Care Act (ACA) / Essential health benefits
    • Affordable Care Act (ACA) / Levels of Coverage (Metallic Plans)
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Group Health Insurance
    • Characteristics of Group Health Insurance
    • Characteristics of Group Health Insurance / Group Contract
    • Characteristics of Group Health Insurance / Certificate of Coverage
    • Characteristics of Group Health Insurance / Eligible Groups
    • Characteristics of Group Health Insurance / Contributory versus Non-Contributory
    • Employer Group Health Insurance
    • Employer Group Health Insurance / Underwriting Criteria
    • Employer Group Health Insurance / Eligibility for Insurance
    • Employer Group Health Insurance / Conversion of Coverage
    • Employer Group Health Insurance / Open Enrollment
    • Employer Group Health Insurance / Probation/Waiting Period
    • Employer Group Health Insurance / Coordination of Benefits
    • COBRA
    • COBRA / Eligibility
    • COBRA / Duration of Coverage
    • COBRA / Premium
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Specialized Health Insurance for Qualified Individuals
    • Medicare
    • Medicare / Eligibility
    • Medicare / Part A
    • Medicare / Part B
    • Medicare / Part C
    • Medicare / Part D
    • Medicare Supplement Insurance
    • Medicare Supplement Insurance / Enrollment Periods
    • Medicare Supplement Insurance / Standardized Plan Benefits
    • Medicaid
    • Medicaid / Eligibility
    • Long-Term Care Policies
    • Long-Term Care Policies / Eligibility for Benefits (Activities of Daily Living)
    • Long-Term Care Policies / Benefit/Elimination Periods
    • Long-Term Care Policies / Levels of care (Skilled, Intermediate, Custodial)
  • HEALTH GENERAL KNOWLEDGE CONTENT OUTLINE — Federal Tax Considerations for Health Insurance
    • Health Insurance Premiums and Benefits
    • Health Insurance Premiums and Benefits / Individual
    • Health Insurance Premiums and Benefits / Group
    • Health Insurance Premiums and Benefits / Disability Income (Individual and Group)
    • Health Insurance Premiums and Benefits / Business Disability Insurance
    • Consumer-Driven Health Plans
    • Consumer-Driven Health Plans / Health Savings Accounts (HSAs)
    • Consumer-Driven Health Plans / Health Savings Accounts (HSAs) / High Deductible Health Plans (HDHPs)
    • Consumer-Driven Health Plans / Health Reimbursement Accounts (HRAs)
    • Consumer-Driven Health Plans / Flexible Spending Accounts (FSAs)
Examination sources