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Arizona Life Insurance — License Examination Requirements

US-AZ · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

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.

Life Settlement Broker

Broker authority for a producer licensed in Arizona with a life line of authority, requiring notification within thirty days of operating as a broker and payment of any applicable fee.

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

Life settlement broker authority — nonresident business entity
No examination is required for this applicant pathway.
Applicant type
nonresident-business-entity
Broker authority fee
Pay the applicable fee determined by the Director (20-3202(F)(3)).
Broker notification
Within the first 30 days of operating as a broker notify DIFI on its prescribed form and acknowledge compliance with the life-settlements chapter (20-3202(F)(2)).
Implementing application
Arizona Department of Insurance and Financial Institutions — Life Settlement Broker > License Application & Fees: To add life settlement broker authority to an existing individual or business entity life insurance license, you must submit Form L-LSB along with the applicable fee: $500.00: If your Arizona insurance license expires in 2 years or more. $250.00: If your Arizona insurance license expires in less than 2 years. Use the License Search ⧉(opens in a new tab) feature on our website to ensure your license is updated to reflect your authority to act as a life settlement broker.
Service of process
Arizona Revised Statutes — A.R.S. 20-3202 H. The director: H. The director may not issue a license to any nonresident applicant unless a written designation of an agent in this state for service of process is filed and maintained with the director or unless the applicant has filed with the director the applicant's written irrevocable consent that any action against the applicant may be commenced against the applicant by service of process on the director.
Underlying life authority
Hold an Arizona producer license with a life line of authority (A.R.S. 20-3202(F)(1)).

Official no-examination sources

Effective from 2026-09-22.

Life settlement broker authority — nonresident individual
No examination is required for this applicant pathway.
Applicant type
nonresident-individual
Broker authority fee
Pay the applicable fee determined by the Director (20-3202(F)(3)).
Broker notification
Within the first 30 days of operating as a broker notify DIFI on its prescribed form and acknowledge compliance with the life-settlements chapter (20-3202(F)(2)).
Implementing application
Arizona Department of Insurance and Financial Institutions — Life Settlement Broker > License Application & Fees: To add life settlement broker authority to an existing individual or business entity life insurance license, you must submit Form L-LSB along with the applicable fee: $500.00: If your Arizona insurance license expires in 2 years or more. $250.00: If your Arizona insurance license expires in less than 2 years. Use the License Search ⧉(opens in a new tab) feature on our website to ensure your license is updated to reflect your authority to act as a life settlement broker.
Service of process
Arizona Revised Statutes — A.R.S. 20-3202 H. The director: H. The director may not issue a license to any nonresident applicant unless a written designation of an agent in this state for service of process is filed and maintained with the director or unless the applicant has filed with the director the applicant's written irrevocable consent that any action against the applicant may be commenced against the applicant by service of process on the director.
Underlying life authority
Hold an Arizona producer license with a life line of authority (A.R.S. 20-3202(F)(1)).

Official no-examination sources

Effective from 2026-09-22.

Life settlement broker authority — resident business entity
No examination is required for this applicant pathway.
Applicant type
resident-business-entity
Broker authority fee
Pay the applicable fee determined by the Director (20-3202(F)(3)).
Broker notification
Within the first 30 days of operating as a broker notify DIFI on its prescribed form and acknowledge compliance with the life-settlements chapter (20-3202(F)(2)).
Implementing application
Arizona Department of Insurance and Financial Institutions — Life Settlement Broker > License Application & Fees: To add life settlement broker authority to an existing individual or business entity life insurance license, you must submit Form L-LSB along with the applicable fee: $500.00: If your Arizona insurance license expires in 2 years or more. $250.00: If your Arizona insurance license expires in less than 2 years. Use the License Search ⧉(opens in a new tab) feature on our website to ensure your license is updated to reflect your authority to act as a life settlement broker.
Underlying life authority
Hold an Arizona producer license with a life line of authority (A.R.S. 20-3202(F)(1)).

Official no-examination sources

Effective from 2026-09-22.

Life settlement broker authority — resident individual
No examination is required for this applicant pathway.
Applicant type
resident-individual
Broker authority fee
Pay the applicable fee determined by the Director (20-3202(F)(3)).
Broker notification
Within the first 30 days of operating as a broker notify DIFI on its prescribed form and acknowledge compliance with the life-settlements chapter (20-3202(F)(2)).
Implementing application
Arizona Department of Insurance and Financial Institutions — Life Settlement Broker > License Application & Fees: To add life settlement broker authority to an existing individual or business entity life insurance license, you must submit Form L-LSB along with the applicable fee: $500.00: If your Arizona insurance license expires in 2 years or more. $250.00: If your Arizona insurance license expires in less than 2 years. Use the License Search ⧉(opens in a new tab) feature on our website to ensure your license is updated to reflect your authority to act as a life settlement broker.
Underlying life authority
Hold an Arizona producer license with a life line of authority (A.R.S. 20-3202(F)(1)).

Official no-examination sources

Effective from 2026-09-22.

Renewal of life settlement broker authority
No examination is required for this applicant pathway.
Renewal fee and expiration
Arizona Revised Statutes — A.R.S. 20-3202 G. A broker: G. A broker may renew a license by paying the renewal fee in an amount established by the director. The expiration date of the broker authority shall coincide with the expiration date of the life line of authority as set forth in section 20-289.
Underlying life license
Keep the underlying Arizona life line of authority current; its renewal and applicable CE obligations are carried by that license.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Credit (including Credit Life)

Limited-line producer authority including credit life and mortgage life, restricted to the credit-related products in A.R.S. 20-281(6).

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

Limited line credit initial licensure — nonresident business entity
No examination is required for this applicant pathway.
Applicant type
nonresident-business-entity
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Home state conditions
Arizona Revised Statutes — A.R.S. 20-287 A. Unless: A. Unless the director denies a license pursuant to section 20-295, the director shall issue a nonresident person a nonresident insurance producer license if all of the following apply: 1. The person is currently licensed as a resident and in good standing in the person's home state. 2. The person has submitted the proper request for licensure and has paid the fees prescribed in section 20-167. 3. The person has submitted the application for licensure as an insurance producer that the person submitted to the person's home state or a completed uniform application on a form prescribed by the national association of insurance commissioners. 4. The person's home state issues nonresident insurance producer licenses to residents of this state on the same basis.
Limited line credit scope
Arizona Revised Statutes — A.R.S. 20-281(6): 6. "Limited line credit insurance" means any form of insurance that is offered in connection with an extension of credit and that is limited to partially or wholly extinguishing that credit obligation, including credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed asset or automobile protection insurance and any other form of insurance that is offered in connection with an extension of credit, that is limited to partially or wholly extinguishing that credit obligation and that the director determines should be designated a form of limited line credit insurance.
Same limited scope
Arizona Revised Statutes — A.R.S. 20-287 2. A nonresident insurance producer license: 2. A nonresident insurance producer license pursuant to subsection A of this section to a person who is licensed in the person's home state to transact limited lines insurance.  The license shall grant the person the same scope of authority granted under the license issued by the person's home state.  For the purposes of this paragraph, limited lines insurance is any authority that is granted by the home state and that restricts the authority of the license to less than the total authority prescribed in the associated major line insurance.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit initial licensure — nonresident individual
No examination is required for this applicant pathway.
Applicant type
nonresident-individual
Board individual application statement
Arizona Department of Insurance and Financial Institutions — Producer (Agent/Broker) > Individual License Application > scope and age: The following are requirements for an individual applying to become an insurance producer. These requirements apply to both Arizona residents and residents of other states ("nonresidents") except where noted: Age: You must be at least 18 years old.
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Home state conditions
Arizona Revised Statutes — A.R.S. 20-287 A. Unless: A. Unless the director denies a license pursuant to section 20-295, the director shall issue a nonresident person a nonresident insurance producer license if all of the following apply: 1. The person is currently licensed as a resident and in good standing in the person's home state. 2. The person has submitted the proper request for licensure and has paid the fees prescribed in section 20-167. 3. The person has submitted the application for licensure as an insurance producer that the person submitted to the person's home state or a completed uniform application on a form prescribed by the national association of insurance commissioners. 4. The person's home state issues nonresident insurance producer licenses to residents of this state on the same basis.
Limited line credit scope
Arizona Revised Statutes — A.R.S. 20-281(6): 6. "Limited line credit insurance" means any form of insurance that is offered in connection with an extension of credit and that is limited to partially or wholly extinguishing that credit obligation, including credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed asset or automobile protection insurance and any other form of insurance that is offered in connection with an extension of credit, that is limited to partially or wholly extinguishing that credit obligation and that the director determines should be designated a form of limited line credit insurance.
Same limited scope
Arizona Revised Statutes — A.R.S. 20-287 2. A nonresident insurance producer license: 2. A nonresident insurance producer license pursuant to subsection A of this section to a person who is licensed in the person's home state to transact limited lines insurance.  The license shall grant the person the same scope of authority granted under the license issued by the person's home state.  For the purposes of this paragraph, limited lines insurance is any authority that is granted by the home state and that restricts the authority of the license to less than the total authority prescribed in the associated major line insurance.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit initial licensure — resident business entity
No examination is required for this applicant pathway.
Applicant type
resident-business-entity
Entity conditions
Arizona Revised Statutes — A.R.S. 20-285 C. Before: C. Before the director approves the application of a business entity, the director shall find that the business entity: 1. Has paid the fees prescribed in section 20-167. 2. Will be acting within the scope of its partnership agreement, articles of incorporation or other chartering documents when the business entity transacts business under the license. 3. Has designated an individually licensed insurance producer who is responsible for the business entity's compliance with the insurance laws of this state.
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Limited line credit scope
Arizona Revised Statutes — A.R.S. 20-281(6): 6. "Limited line credit insurance" means any form of insurance that is offered in connection with an extension of credit and that is limited to partially or wholly extinguishing that credit obligation, including credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed asset or automobile protection insurance and any other form of insurance that is offered in connection with an extension of credit, that is limited to partially or wholly extinguishing that credit obligation and that the director determines should be designated a form of limited line credit insurance.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit initial licensure — resident individual
No examination is required for this applicant pathway.
Annuity training if applicable
PSI Arizona insurance examinations — Page 4 > Annuity Training and Continuing Education: Life insurance producers (resident or nonresident) who want to sell, solicit or negotiate annuities must first complete four hours of Arizona-approved annuity training. A resident licensee can apply hours of annuity training toward satisfying Arizona’s CE requirement if the course is also an Arizona approved CE course. Both residents and nonresidents can satisfy the annuity training requirement if they complete substantially similar courses in another state.
Applicant type
resident-individual
Application
Arizona Revised Statutes — A.R.S. 20-285 A. A person: A. A person who applies for a resident insurance producer license shall apply to the director on a form prescribed by the director and shall declare under penalty of denial, suspension or revocation of the license that the statements made in the application are true, correct and complete to the best of the knowledge and belief of the applicant or the applicant's duly authorized representative. The applicant shall provide information concerning the applicant's identity, personal history, business record and experience in insurance and any other pertinent fact the director requires.
Board application
Arizona Department of Insurance and Financial Institutions — Producer (Agent/Broker) > Individual License Application > Application & Fees: Application & Fees: Submit your application via NIPR ⧉(opens in a new tab). The non-refundable license fee is $120.00, plus a $22.00 FBI fingerprint processing fee if fingerprints are required.
Board fingerprinting
Arizona Department of Insurance and Financial Institutions — Producer (Agent/Broker) > Individual License Application > Fingerprints: Fingerprints: You must submit fingerprints if you are an AZ resident without an existing print-required license, relocating to AZ, or a resident of a state that does not issue this license type. (A.R.S. § 20-142(E) ⧉(opens in a new tab)).
Board individual application statement
Arizona Department of Insurance and Financial Institutions — Producer (Agent/Broker) > Individual License Application > scope and age: The following are requirements for an individual applying to become an insurance producer. These requirements apply to both Arizona residents and residents of other states ("nonresidents") except where noted: Age: You must be at least 18 years old.
Disciplinary eligibility
Must not have committed an act that is a ground for denial, suspension, or revocation under A.R.S. 20-295 (20-285(B)(2)).
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Lawful presence
Arizona Revised Statutes — A.R.S. 41-1080 A. Subject: A. Subject to subsections C and D of this section, an agency or political subdivision of this state shall not issue a license to an individual if the individual does not provide documentation of citizenship or alien status by presenting any of the following documents to the agency or political subdivision indicating that the individual's presence in the United States is authorized under federal law: 1. An Arizona driver license issued after 1996 or an Arizona nonoperating identification license. 2. A driver license issued by a state that verifies lawful presence in the United States. 3. A birth certificate or delayed birth certificate issued in any state, territory or possession of the United States. 4. A United States certificate of birth abroad. 5. A United States passport. 6. A foreign passport with a United States visa. 7. An I-94 form with a photograph. 8. A United States citizenship and immigration services employment authorization document or refugee travel document. 9. A United States certificate of naturalization. 10. A United States certificate of citizenship. 11. A tribal certificate of Indian blood. 12. A tribal or bureau of Indian affairs affidavit of birth. 13. Any other license that is issued by the federal government, any other state government, an agency of this state or a political subdivision of this state that requires proof of citizenship or lawful alien status before issuing the license.
License fees
Pay the prescribed license fees (A.R.S. 20-285(B)(3)); DIFI states $120 plus a $22 FBI processing fee when fingerprints are required.
Limited line credit scope
Arizona Revised Statutes — A.R.S. 20-281(6): 6. "Limited line credit insurance" means any form of insurance that is offered in connection with an extension of credit and that is limited to partially or wholly extinguishing that credit obligation, including credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed asset or automobile protection insurance and any other form of insurance that is offered in connection with an extension of credit, that is limited to partially or wholly extinguishing that credit obligation and that the director determines should be designated a form of limited line credit insurance.
Minimum age
At least 18 years old (A.R.S. 20-285(B)(1)).
Verification and fingerprints
Arizona Revised Statutes — A.R.S. 20-285 E. Before: E. Before the director grants a license, the director may require the applicant to: 1. Provide any document that is reasonably necessary to verify the information that is contained in an application and other information including prior criminal records. 2. Submit a full set of fingerprints to the department. The department of insurance and financial institutions shall submit the fingerprints to the department of public safety for the purpose of obtaining a state and federal criminal records check pursuant to section 41-1750 and Public Law 92-544. The department of public safety may exchange this fingerprint data with the federal bureau of investigation.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit late renewal
No examination is required for this applicant pathway.
Applicant scope
Individual or business entity; nonresidents remain subject to A.R.S. 20-287.
Ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Procedure
Arizona Revised Statutes — A.R.S. 20-289 E. Any: E. Any license for which the director does not receive timely application for renewal and full payment of fees expires at midnight on the renewal date.  During the year after the expiration of a license under this section, a person who otherwise meets the qualifications for a license may renew an expired license by filing with the director a renewal application, the quadrennial license fee and an additional $100 as a late renewal fee.  Any application that is received during this one-year period for the same license that expired under this section is deemed a renewal application.  Any application that is received after the one-year period for the same license that expired under this section is deemed a new application.

Official no-examination sources

Effective from 2026-09-22.

Renewal after inactive status during active military service
No examination is required for this applicant pathway.
Continuing education scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Military extension and documentation
Arizona Revised Statutes — A.R.S. 20-289.01 D. The time periods: D. The time periods for submission of the license renewal fee and for completion of the applicable renewal requirements prescribed in this article and the continuing education requirements that are prescribed in chapter 18, article 1 of this title and that apply to a licensee with an active license are extended for a licensee whose license is on inactive status by the number of days that the licensee is in active military service. A licensee applying for renewal under this section shall include, with the renewal application, a copy of the documentation from the armed forces showing the period of time that the licensee was in active military service.
Renewal conditions
Arizona Revised Statutes — A.R.S. 20-289 C. The director: C. The director may renew a license if the director receives from the licensee all of the following on or before the license expiration date: 1. An application on a form approved by the director. 2. The license fee prescribed in section 20-167. 3. Evidence that the licensee has complied with the continuing education requirements prescribed in chapter 18 of this title.
Specialty qualification
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit new after expiration
No examination is required for this applicant pathway.
Applicant scope
Individual or business entity; nonresidents remain subject to A.R.S. 20-287.
Ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Procedure
Arizona Revised Statutes — A.R.S. 20-289 E. Any: E. Any license for which the director does not receive timely application for renewal and full payment of fees expires at midnight on the renewal date.  During the year after the expiration of a license under this section, a person who otherwise meets the qualifications for a license may renew an expired license by filing with the director a renewal application, the quadrennial license fee and an additional $100 as a late renewal fee.  Any application that is received during this one-year period for the same license that expired under this section is deemed a renewal application.  Any application that is received after the one-year period for the same license that expired under this section is deemed a new application.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit new after revocation
No examination is required for this applicant pathway.
Applicant scope
Individual or business entity; nonresidents remain subject to A.R.S. 20-287.
Ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Procedure
Arizona Revised Statutes — A.R.S. 20-296 A. The director: A. The director shall not again issue any license under this title to any person whose license has been revoked until one year after the revocation and the person again qualifies in accordance with the applicable provisions of this title.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit new after surrender
No examination is required for this applicant pathway.
Applicant scope
Individual or business entity; nonresidents remain subject to A.R.S. 20-287.
Ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Procedure
Arizona Revised Statutes — A.R.S. 20-289(F): F. On the written request of a person who is licensed pursuant to this article, the director may accept the voluntary surrender of the person's authority to transact one or more lines of insurance or of the person's entire license.  A person who surrenders an authority or a license under this subsection may obtain the same authority or license only if the person complies with the requirements that apply to a person who has not previously held the authority or license.

Official no-examination sources

Effective from 2026-09-22.

Limited line credit timely renewal
No examination is required for this applicant pathway.
Applicant scope
Individual or business entity; nonresidents remain subject to A.R.S. 20-287.
Ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Exam exemption
Arizona Revised Statutes — A.R.S. 20-288 3. An applicant: 3. An applicant for an insurance producer license with authority for limited line insurance as defined in section 20-281, unless the applicant seeks to offer limited line crop insurance.
Procedure
Arizona Revised Statutes — A.R.S. 20-289 C. The director: C. The director may renew a license if the director receives from the licensee all of the following on or before the license expiration date: 1. An application on a form approved by the director. 2. The license fee prescribed in section 20-167. 3. Evidence that the licensee has complied with the continuing education requirements prescribed in chapter 18 of this title.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

The director may issue a temporary insurance producer license for up to 180 days without an examination when necessary to service an insurance business in specified qualifying cases.

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

Temporary licensure — entity member or employee
No examination is required for this applicant pathway.
Director limitations or sponsor
Arizona Revised Statutes — A.R.S. 20-294 B. By order: B. By order the director may impose conditions or limitations on the authority of any temporary licensee in any way the director deems necessary to protect insureds and the public, including requiring the temporary licensee to have a suitable sponsor who is a licensed insurance producer or insurer and who assumes responsibility for all acts of the temporary licensee.  Unless the director imposes conditions or limitations pursuant to this subsection, a temporary licensee has the same rights and privileges prescribed in this article for an insurance producer.
Necessity and duration
Arizona Revised Statutes — A.R.S. 20-294 A. The director: A. The director may issue a temporary insurance producer license for not more than one hundred eighty days without requiring an examination if the director deems that the temporary license is necessary for the servicing of an insurance business in the following cases:
Qualifying case
Arizona Revised Statutes — A.R.S. 20-294(A) > entity-member-or-employee: 2. To a member or employee of a business entity that is licensed as an insurance producer on the death or disability of an individual who is the designated producer on the business entity application or license.
Termination
Arizona Revised Statutes — A.R.S. 20-294(C): C. By order the director may summarily revoke a temporary license if the interests of insureds or the public are endangered.  A temporary license may not continue after the owner or the personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure — military designee
No examination is required for this applicant pathway.
Director limitations or sponsor
Arizona Revised Statutes — A.R.S. 20-294 B. By order: B. By order the director may impose conditions or limitations on the authority of any temporary licensee in any way the director deems necessary to protect insureds and the public, including requiring the temporary licensee to have a suitable sponsor who is a licensed insurance producer or insurer and who assumes responsibility for all acts of the temporary licensee.  Unless the director imposes conditions or limitations pursuant to this subsection, a temporary licensee has the same rights and privileges prescribed in this article for an insurance producer.
Necessity and duration
Arizona Revised Statutes — A.R.S. 20-294 A. The director: A. The director may issue a temporary insurance producer license for not more than one hundred eighty days without requiring an examination if the director deems that the temporary license is necessary for the servicing of an insurance business in the following cases:
Qualifying case
Arizona Revised Statutes — A.R.S. 20-294(A) > military-designee: 3. To the designee of a licensed insurance producer who enters active service in the armed forces of the United States.
Termination
Arizona Revised Statutes — A.R.S. 20-294(C): C. By order the director may summarily revoke a temporary license if the interests of insureds or the public are endangered.  A temporary license may not continue after the owner or the personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure — surviving spouse or representative
No examination is required for this applicant pathway.
Director limitations or sponsor
Arizona Revised Statutes — A.R.S. 20-294 B. By order: B. By order the director may impose conditions or limitations on the authority of any temporary licensee in any way the director deems necessary to protect insureds and the public, including requiring the temporary licensee to have a suitable sponsor who is a licensed insurance producer or insurer and who assumes responsibility for all acts of the temporary licensee.  Unless the director imposes conditions or limitations pursuant to this subsection, a temporary licensee has the same rights and privileges prescribed in this article for an insurance producer.
Necessity and duration
Arizona Revised Statutes — A.R.S. 20-294 A. The director: A. The director may issue a temporary insurance producer license for not more than one hundred eighty days without requiring an examination if the director deems that the temporary license is necessary for the servicing of an insurance business in the following cases:
Qualifying case
Arizona Revised Statutes — A.R.S. 20-294(A) > surviving-spouse-or-representative: 1. To the surviving spouse or court appointed personal representative of a licensed insurance producer who dies or becomes a person with a mental or physical disability to allow adequate time for the sale of the insurance business owned by the producer, for the recovery of the producer and return of the producer to the business or to provide for the training and licensing of new personnel to operate the producer's business.
Termination
Arizona Revised Statutes — A.R.S. 20-294(C): C. By order the director may summarily revoke a temporary license if the interests of insureds or the public are endangered.  A temporary license may not continue after the owner or the personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

variable life and variable annuity products

Specialty producer authority for variable contracts; the life producer license is an applicant qualification.

Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information

Variable contract authority late renewal
No examination is required for this applicant pathway.
Assessment boundary
PSI Arizona insurance examinations — Page 3 > Variable Life and Variable Annuity Products row: Variable Life and Variable Annuity Products None Yes Must hold life producer authority.
Continuing education
Arizona Revised Statutes — A.R.S. 20-2902 2. If the license period: 2. If the license period immediately preceding the renewal commenced on or after January 1, 2014, the licensee shall have completed during that license period at least forty-eight credit hours, including at least six credit hours of ethics training, of approved insurance continuing education courses offered by an approved provider.
Continuing education exemption
Arizona Revised Statutes — A.R.S. 20-2902 B. Subsection: B. Subsection A of this section does not apply to a licensee who, as of January 1, 2014, meets and continues to meet the following criteria: 1. Has been continuously licensed as an insurance agent, broker or producer in this state since January 1, 1995. 2. Has not at any time since January 1, 1995, held a nonresident insurance producer license in another state. 3. Has never been the subject of an order issued by the director finding that the licensee has violated any provision of this title in which the director ordered any of the following: (a) The suspension, revocation or denial or renewal of the licensee's agent, broker or producer license. (b) The licensee to cease and desist from the conduct constituting the violation. (c) The licensee to pay restitution or a civil penalty.
Group contract qualification
Arizona Revised Statutes — A.R.S. 20-2662 B. A person: B. A person may not sell or offer for sale in this state any variable group contracts unless the person is licensed as a life insurance producer by the department and is authorized to solicit or sell variable group contracts by an insurer who is admitted to transact variable group contract business in this state.
Nonresident ce
Arizona Revised Statutes — A.R.S. 20-2902(H)-(J): H. Except as provided in subsections I and J of this section, a nonresident licensee shall submit proof to the director of having earned the continuing education credit requirements that are needed to satisfy the requirements of the nonresident licensee's home state to comply with the continuing education requirements prescribed in this section. I. If the nonresident licensee's home state does not recognize credits earned by residents of this state, the nonresident licensee shall satisfy the continuing education prescribed in this section only by earning continuing education credits from an approved provider. J. If the home state of a nonresident licensee does not have a continuing education requirement, the nonresident licensee is subject to the same continuing education requirements as a resident licensee.
Procedure
Arizona Revised Statutes — A.R.S. 20-289 E. Any: E. Any license for which the director does not receive timely application for renewal and full payment of fees expires at midnight on the renewal date.  During the year after the expiration of a license under this section, a person who otherwise meets the qualifications for a license may renew an expired license by filing with the director a renewal application, the quadrennial license fee and an additional $100 as a late renewal fee.  Any application that is received during this one-year period for the same license that expired under this section is deemed a renewal application.  Any application that is received after the one-year period for the same license that expired under this section is deemed a new application.
Renewal ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Scope of ce requirement
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Underlying life license and FINRA for non group contracts
Arizona Revised Statutes — A.R.S. 20-2662 A. A person: A. A person may not sell or offer for sale in this state any variable contracts unless the person is licensed as a life insurance producer by the department and files with the director evidence that the person is licensed by the financial industry regulatory authority as a principal or a registered representative and that the person is authorized to solicit or sell variable contracts by an insurer admitted to transact variable contract business in this state.

Official no-examination sources

Effective from 2026-09-22.

Renewal after inactive status during active military service
No examination is required for this applicant pathway.
Continuing education scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Military extension and documentation
Arizona Revised Statutes — A.R.S. 20-289.01 D. The time periods: D. The time periods for submission of the license renewal fee and for completion of the applicable renewal requirements prescribed in this article and the continuing education requirements that are prescribed in chapter 18, article 1 of this title and that apply to a licensee with an active license are extended for a licensee whose license is on inactive status by the number of days that the licensee is in active military service. A licensee applying for renewal under this section shall include, with the renewal application, a copy of the documentation from the armed forces showing the period of time that the licensee was in active military service.
Renewal conditions
Arizona Revised Statutes — A.R.S. 20-289 C. The director: C. The director may renew a license if the director receives from the licensee all of the following on or before the license expiration date: 1. An application on a form approved by the director. 2. The license fee prescribed in section 20-167. 3. Evidence that the licensee has complied with the continuing education requirements prescribed in chapter 18 of this title.
Specialty qualification
Arizona Revised Statutes — A.R.S. 20-2662 A. A person: A. A person may not sell or offer for sale in this state any variable contracts unless the person is licensed as a life insurance producer by the department and files with the director evidence that the person is licensed by the financial industry regulatory authority as a principal or a registered representative and that the person is authorized to solicit or sell variable contracts by an insurer admitted to transact variable contract business in this state.

Official no-examination sources

Effective from 2026-09-22.

Variable contract authority new after expiration
No examination is required for this applicant pathway.
Assessment boundary
PSI Arizona insurance examinations — Page 3 > Variable Life and Variable Annuity Products row: Variable Life and Variable Annuity Products None Yes Must hold life producer authority.
Group contract qualification
Arizona Revised Statutes — A.R.S. 20-2662 B. A person: B. A person may not sell or offer for sale in this state any variable group contracts unless the person is licensed as a life insurance producer by the department and is authorized to solicit or sell variable group contracts by an insurer who is admitted to transact variable group contract business in this state.
Procedure
Arizona Revised Statutes — A.R.S. 20-289 E. Any: E. Any license for which the director does not receive timely application for renewal and full payment of fees expires at midnight on the renewal date.  During the year after the expiration of a license under this section, a person who otherwise meets the qualifications for a license may renew an expired license by filing with the director a renewal application, the quadrennial license fee and an additional $100 as a late renewal fee.  Any application that is received during this one-year period for the same license that expired under this section is deemed a renewal application.  Any application that is received after the one-year period for the same license that expired under this section is deemed a new application.
Renewal ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Underlying life license and FINRA for non group contracts
Arizona Revised Statutes — A.R.S. 20-2662 A. A person: A. A person may not sell or offer for sale in this state any variable contracts unless the person is licensed as a life insurance producer by the department and files with the director evidence that the person is licensed by the financial industry regulatory authority as a principal or a registered representative and that the person is authorized to solicit or sell variable contracts by an insurer admitted to transact variable contract business in this state.

Official no-examination sources

Effective from 2026-09-22.

Variable contract authority new after revocation
No examination is required for this applicant pathway.
Assessment boundary
PSI Arizona insurance examinations — Page 3 > Variable Life and Variable Annuity Products row: Variable Life and Variable Annuity Products None Yes Must hold life producer authority.
Group contract qualification
Arizona Revised Statutes — A.R.S. 20-2662 B. A person: B. A person may not sell or offer for sale in this state any variable group contracts unless the person is licensed as a life insurance producer by the department and is authorized to solicit or sell variable group contracts by an insurer who is admitted to transact variable group contract business in this state.
Procedure
Arizona Revised Statutes — A.R.S. 20-296 A. The director: A. The director shall not again issue any license under this title to any person whose license has been revoked until one year after the revocation and the person again qualifies in accordance with the applicable provisions of this title.
Renewal ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Underlying life license and FINRA for non group contracts
Arizona Revised Statutes — A.R.S. 20-2662 A. A person: A. A person may not sell or offer for sale in this state any variable contracts unless the person is licensed as a life insurance producer by the department and files with the director evidence that the person is licensed by the financial industry regulatory authority as a principal or a registered representative and that the person is authorized to solicit or sell variable contracts by an insurer admitted to transact variable contract business in this state.

Official no-examination sources

Effective from 2026-09-22.

Variable contract authority new after surrender
No examination is required for this applicant pathway.
Assessment boundary
PSI Arizona insurance examinations — Page 3 > Variable Life and Variable Annuity Products row: Variable Life and Variable Annuity Products None Yes Must hold life producer authority.
Group contract qualification
Arizona Revised Statutes — A.R.S. 20-2662 B. A person: B. A person may not sell or offer for sale in this state any variable group contracts unless the person is licensed as a life insurance producer by the department and is authorized to solicit or sell variable group contracts by an insurer who is admitted to transact variable group contract business in this state.
Procedure
Arizona Revised Statutes — A.R.S. 20-289(F): F. On the written request of a person who is licensed pursuant to this article, the director may accept the voluntary surrender of the person's authority to transact one or more lines of insurance or of the person's entire license.  A person who surrenders an authority or a license under this subsection may obtain the same authority or license only if the person complies with the requirements that apply to a person who has not previously held the authority or license.
Renewal ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Underlying life license and FINRA for non group contracts
Arizona Revised Statutes — A.R.S. 20-2662 A. A person: A. A person may not sell or offer for sale in this state any variable contracts unless the person is licensed as a life insurance producer by the department and files with the director evidence that the person is licensed by the financial industry regulatory authority as a principal or a registered representative and that the person is authorized to solicit or sell variable contracts by an insurer admitted to transact variable contract business in this state.

Official no-examination sources

Effective from 2026-09-22.

Variable contract authority timely renewal
No examination is required for this applicant pathway.
Assessment boundary
PSI Arizona insurance examinations — Page 3 > Variable Life and Variable Annuity Products row: Variable Life and Variable Annuity Products None Yes Must hold life producer authority.
Continuing education
Arizona Revised Statutes — A.R.S. 20-2902 2. If the license period: 2. If the license period immediately preceding the renewal commenced on or after January 1, 2014, the licensee shall have completed during that license period at least forty-eight credit hours, including at least six credit hours of ethics training, of approved insurance continuing education courses offered by an approved provider.
Continuing education exemption
Arizona Revised Statutes — A.R.S. 20-2902 B. Subsection: B. Subsection A of this section does not apply to a licensee who, as of January 1, 2014, meets and continues to meet the following criteria: 1. Has been continuously licensed as an insurance agent, broker or producer in this state since January 1, 1995. 2. Has not at any time since January 1, 1995, held a nonresident insurance producer license in another state. 3. Has never been the subject of an order issued by the director finding that the licensee has violated any provision of this title in which the director ordered any of the following: (a) The suspension, revocation or denial or renewal of the licensee's agent, broker or producer license. (b) The licensee to cease and desist from the conduct constituting the violation. (c) The licensee to pay restitution or a civil penalty.
Group contract qualification
Arizona Revised Statutes — A.R.S. 20-2662 B. A person: B. A person may not sell or offer for sale in this state any variable group contracts unless the person is licensed as a life insurance producer by the department and is authorized to solicit or sell variable group contracts by an insurer who is admitted to transact variable group contract business in this state.
Nonresident ce
Arizona Revised Statutes — A.R.S. 20-2902(H)-(J): H. Except as provided in subsections I and J of this section, a nonresident licensee shall submit proof to the director of having earned the continuing education credit requirements that are needed to satisfy the requirements of the nonresident licensee's home state to comply with the continuing education requirements prescribed in this section. I. If the nonresident licensee's home state does not recognize credits earned by residents of this state, the nonresident licensee shall satisfy the continuing education prescribed in this section only by earning continuing education credits from an approved provider. J. If the home state of a nonresident licensee does not have a continuing education requirement, the nonresident licensee is subject to the same continuing education requirements as a resident licensee.
Procedure
Arizona Revised Statutes — A.R.S. 20-289 C. The director: C. The director may renew a license if the director receives from the licensee all of the following on or before the license expiration date: 1. An application on a form approved by the director. 2. The license fee prescribed in section 20-167. 3. Evidence that the licensee has complied with the continuing education requirements prescribed in chapter 18 of this title.
Renewal ce scope
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Scope of ce requirement
Arizona Revised Statutes — A.R.S. 20-2901(9): 9. "Licensee" means an individual insurance producer licensed for major line insurance as defined in section 20-281. Licensee does not include any business entity.
Underlying life license and FINRA for non group contracts
Arizona Revised Statutes — A.R.S. 20-2662 A. A person: A. A person may not sell or offer for sale in this state any variable contracts unless the person is licensed as a life insurance producer by the department and files with the director evidence that the person is licensed by the financial industry regulatory authority as a principal or a registered representative and that the person is authorized to solicit or sell variable contracts by an insurer admitted to transact variable contract business in this state.

Official no-examination sources

Effective from 2026-09-22.

Specialty authorization — variable contracts
No examination is required for this applicant pathway.
PSI exam requirement
PSI Arizona insurance examinations — Page 3 > Variable Life and Variable Annuity Products row: Variable Life and Variable Annuity Products None Yes Must hold life producer authority.
Assessment boundary
Arizona Revised Statutes — A.R.S. 20-2662 C. Any examination: C. Any examination that is administered by the department to determine if a person is eligible for licensing as an insurance producer may include any questions that the director deems appropriate and that concern the history, purpose, regulation and sale of variable contracts or variable group contracts.
Underlying life license and authorizations
Arizona Revised Statutes — A.R.S. 20-2662 A. A person: A. A person may not sell or offer for sale in this state any variable contracts unless the person is licensed as a life insurance producer by the department and files with the director evidence that the person is licensed by the financial industry regulatory authority as a principal or a registered representative and that the person is authorized to solicit or sell variable contracts by an insurer admitted to transact variable contract business in this state.

Official no-examination sources

Effective from 2026-09-22.

Specialty authorization — variable group contracts
No examination is required for this applicant pathway.
PSI exam requirement
PSI Arizona insurance examinations — Page 3 > Variable Life and Variable Annuity Products row: Variable Life and Variable Annuity Products None Yes Must hold life producer authority.
Assessment boundary
Arizona Revised Statutes — A.R.S. 20-2662 C. Any examination: C. Any examination that is administered by the department to determine if a person is eligible for licensing as an insurance producer may include any questions that the director deems appropriate and that concern the history, purpose, regulation and sale of variable contracts or variable group contracts.
Underlying life license and authorizations
Arizona Revised Statutes — A.R.S. 20-2662 B. A person: B. A person may not sell or offer for sale in this state any variable group contracts unless the person is licensed as a life insurance producer by the department and is authorized to solicit or sell variable group contracts by an insurer who is admitted to transact variable group contract business in this state.

Official no-examination sources

Effective from 2026-09-22.