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Arkansas Personal Lines 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.

business entity producer license

Agency or other business entity producer license with personal-lines authority and a designated responsible licensed producer.

Licensing authority: Arkansas Insurance Department · Application information

Nonresident business entity producer licensure by reciprocity
No examination is required for this applicant pathway.
Applicant
A business entity licensed as a resident in good standing in its home jurisdiction.
Application
Submit the proper request, applicable fees and uniform or home-jurisdiction application; the home jurisdiction must license Arkansas entities on the same basis.
Responsible Producer
Designate the licensed producer required by section 23-64-506(b).

Official no-examination sources

Effective from 2026-09-22.

Business entity producer license renewal
No examination is required for this applicant pathway.
Fees
Pay applicable fees electronically.
Responsible Producer
Maintain the designated responsible licensed producer and compliance with the applicable licensing requirements.
Term
A one-year agency license, renewed by paying the annual administrative and regulatory fee on or before October 1.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity producer licensure
No examination is required for this applicant pathway.
Applicant
A resident business entity acting as an insurance producer for personal lines.
Application
Use the Uniform Business Entity Application and pay the applicable fees.
Responsible Producer
Designate a licensed producer responsible for the entity's compliance with Arkansas insurance laws and rules. That individual's license is an applicant condition of the entity, not an inherited examination requirement.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary insurance producer license for up to 180 days, without an examination, when the commissioner deems it necessary for servicing an insurance business.

Licensing authority: Arkansas Insurance Department · Application information

Member or employee of a licensed business entity
No examination is required for this applicant pathway.
Applicant Situation
The licensed entity's designated individual dies or becomes disabled.
Application
Submit the explanation and supporting death or disability evidence as applicable, the producer application, criminal background form and fees under the Department's temporary-license instructions.
Business Disposition
The temporary license cannot continue after the owner or personal representative disposes of the business.
Commissioner Discretion
The Commissioner must find a temporary license necessary, may limit its authority or require a suitable licensed-producer or insurer sponsor, and may revoke it if insureds or the public are endangered.
Duration
Not more than 180 days.
Purpose
Service the affected personal-lines business.

Official no-examination sources

Effective from 2026-09-22.

Designee of a producer entering active military service
No examination is required for this applicant pathway.
Applicant Situation
The licensed producer enters active service in the United States armed forces.
Application
Submit the explanation and supporting death or disability evidence as applicable, the producer application, criminal background form and fees under the Department's temporary-license instructions.
Business Disposition
The temporary license cannot continue after the owner or personal representative disposes of the business.
Commissioner Discretion
The Commissioner must find a temporary license necessary, may limit its authority or require a suitable licensed-producer or insurer sponsor, and may revoke it if insureds or the public are endangered.
Duration
Not more than 180 days.
Purpose
Service the affected personal-lines business.

Official no-examination sources

Effective from 2026-09-22.

Other public interest temporary licensure
No examination is required for this applicant pathway.
Applicant Situation
The Commissioner determines that issuance best serves the public interest.
Application
Submit the explanation and supporting death or disability evidence as applicable, the producer application, criminal background form and fees under the Department's temporary-license instructions.
Business Disposition
The temporary license cannot continue after the owner or personal representative disposes of the business.
Commissioner Discretion
The Commissioner must find a temporary license necessary, may limit its authority or require a suitable licensed-producer or insurer sponsor, and may revoke it if insureds or the public are endangered.
Duration
Not more than 180 days.
Purpose
Service the affected personal-lines business.

Official no-examination sources

Effective from 2026-09-22.

Surviving spouse or court appointed personal representative
No examination is required for this applicant pathway.
Applicant Situation
A licensed producer dies or becomes mentally or physically disabled; service the business pending sale, recovery, return or training and licensing of replacement personnel.
Application
Submit the explanation and supporting death or disability evidence as applicable, the producer application, criminal background form and fees under the Department's temporary-license instructions.
Business Disposition
The temporary license cannot continue after the owner or personal representative disposes of the business.
Commissioner Discretion
The Commissioner must find a temporary license necessary, may limit its authority or require a suitable licensed-producer or insurer sponsor, and may revoke it if insureds or the public are endangered.
Duration
Not more than 180 days.
Purpose
Service the affected personal-lines business.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Personal Lines

Individual insurance producer license with personal-lines authority covering property and casualty insurance sold to individuals and families for primarily noncommercial purposes.

Licensing authority: Arkansas Insurance Department · Application information

Automatic licensure for eligible military individuals licensed elsewhere
No examination is required for this applicant pathway.
Eligible Individual
A qualifying stationed uniformed service member, resident uniformed service veteran, qualifying spouse, relocating spouse of a member on an unaccompanied tour, or surviving spouse establishing Arkansas residency, as enumerated in 23 CAR 44-102(a).
Exemption
The Department grants automatic licensure and requires no testing under 23 CAR 44-102(b).
Prior License
Hold in good standing a license issued elsewhere in the United States with a similar scope of practice.

Official no-examination sources

Effective from 2026-09-22.

Full licensure following expedited military provisional licensure
Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination
Application
Complete the uniform resident application, declare the statements true and complete, pay applicable fees, and complete the Arkansas State Police background-check process.
Approval To Test
The Department reviews the application and background check before PSI authorizes testing.
Eligible Individual
Meet 23 CAR 44-102(a) and have entered the provisional route for an applicant never previously licensed in the insurance industry.
Fitness
No act constituting a ground for denial, suspension or revocation under section 23-64-512.
Line Of Authority
Personal lines property and casualty for primarily noncommercial individual and family risks.
Minimum Age
At least 18 years of age.
Permit And Retakes
Pass within 90 days of the original approval, with at most three attempts within that permit; after failure of three attempts or expiration, wait four weeks and repeat the approval process.
Prelicense Education
Complete at least 20 hours for personal lines under 23 CAR 14-103(e); show the completion certificate before examination. Course certification must be completed no more than two years before the licensing examination.
Provisional License
Complete the full producer licensing requirements while holding the supervised provisional license; an extension may be requested if needed.
Score Validity
NIPR's current Arkansas resident instructions state that examination scores are valid for one year; this is an applicant score condition, not an examination-version expiration.
Service Credit
The Department accepts relevant uniformed-service education, training, national certifications or service-issued credentials toward the applicable qualifications under 23 CAR 44-103(g).
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request and applicable fees and either the home-jurisdiction application or a completed uniform application.
Examination
Section 23-64-508(a) supplies the nonresident issuance requirements; section 23-64-509(a) exempts the qualifying same-line licensee from prelicense education and examination.
Home State License
Currently hold the resident personal-lines authority in good standing in the home jurisdiction.
Reciprocity
The home jurisdiction grants Arkansas residents nonresident producer licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after license expiration
No examination is required for this applicant pathway.
Application
Submit the uniform or home-resident application and applicable fees. NIPR states that reapplication is allowed one year after expiration.
Exemption
The same-line prior-license examination exemption and nonresident issuance requirements apply.
Home License
Hold the home resident personal-lines authority in good standing and satisfy reciprocity.
Prior License
Former Arkansas nonresident producer seeking a new nonresident license after expiration.

Official no-examination sources

Effective from 2026-09-22.

Reinstate a lapsed nonresident producer license within twelve months
No examination is required for this applicant pathway.
Fees
Pay the statutory late-renewal penalty and applicable fees.
Home License
Maintain the qualifying home resident personal-lines authority in good standing.
Statutory Exemption
No written examination is necessary under section 23-64-507(c).
Time Limit
Reinstate the same license within 12 months after the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident producer license renewal
No examination is required for this applicant pathway.
Continuing Education
Nonresident producers are exempt from Arkansas continuing education unless the home or designated home jurisdiction has no comparable continuing-education requirements.
Fees
Pay applicable renewal fees electronically.
Home License
Maintain the qualifying home resident authority in good standing.
Term
Renew biennially on or before the end of the birth month.

Official no-examination sources

Effective from 2026-09-22.

Add personal lines authority to an existing resident producer license
Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination
Application
Complete the uniform resident application, declare the statements true and complete, pay applicable fees, and complete the Arkansas State Police background-check process.
Approval To Test
The Department reviews the application and background check before PSI authorizes testing.
Education Credit
The five-hour state-law portion and one-hour ethics portion need not be repeated if successfully completed within two years of the new-line application under 23 CAR 14-103(i).
Existing License
Already licensed as an Arkansas insurance producer and adding the personal-lines authority.
Fitness
No act constituting a ground for denial, suspension or revocation under section 23-64-512.
Line Of Authority
Personal lines property and casualty for primarily noncommercial individual and family risks.
Minimum Age
At least 18 years of age.
Permit And Retakes
Pass within 90 days of the original approval, with at most three attempts within that permit; after failure of three attempts or expiration, wait four weeks and repeat the approval process.
Prelicense Education
Complete at least 20 hours for personal lines under 23 CAR 14-103(e); show the completion certificate before examination. Course certification must be completed no more than two years before the licensing examination.
Score Validity
NIPR's current Arkansas resident instructions state that examination scores are valid for one year; this is an applicant score condition, not an examination-version expiration.
Resident initial licensure by examination
Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination
Application
Complete the uniform resident application, declare the statements true and complete, pay applicable fees, and complete the Arkansas State Police background-check process.
Approval To Test
The Department reviews the application and background check before PSI authorizes testing.
Fitness
No act constituting a ground for denial, suspension or revocation under section 23-64-512.
Line Of Authority
Personal lines property and casualty for primarily noncommercial individual and family risks.
Minimum Age
At least 18 years of age.
Permit And Retakes
Pass within 90 days of the original approval, with at most three attempts within that permit; after failure of three attempts or expiration, wait four weeks and repeat the approval process.
Prelicense Education
Complete at least 20 hours for personal lines under 23 CAR 14-103(e); show the completion certificate before examination. Course certification must be completed no more than two years before the licensing examination.
Score Validity
NIPR's current Arkansas resident instructions state that examination scores are valid for one year; this is an applicant score condition, not an examination-version expiration.
Resident licensure based on previous same line licensure
No examination is required for this applicant pathway.
Application
Submit the uniform application, applicable fees and information needed to verify eligibility.
Exemption
Section 23-64-509(a) exempts qualifying applicants from prelicensing education and examination.
License Status
Currently licensed there, or apply within 90 days after cancellation and demonstrate good standing at cancellation through certification or the producer database.
Same Authority
Previously licensed for the same personal-lines authority in another state.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication for personal lines licensure
Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination
Application
Complete the uniform resident application, declare the statements true and complete, pay applicable fees, and complete the Arkansas State Police background-check process.
Approval To Test
The Department reviews the application and background check before PSI authorizes testing.
Fitness
No act constituting a ground for denial, suspension or revocation under section 23-64-512.
Line Of Authority
Personal lines property and casualty for primarily noncommercial individual and family risks.
Minimum Age
At least 18 years of age.
Online Processing
NIPR resident instructions currently state that reapplication is allowed up to one year after expiration; this platform statement does not extend the statutory reinstatement window or create a version end date.
Permit And Retakes
Pass within 90 days of the original approval, with at most three attempts within that permit; after failure of three attempts or expiration, wait four weeks and repeat the approval process.
Prelicense Education
Complete at least 20 hours for personal lines under 23 CAR 14-103(e); show the completion certificate before examination. Course certification must be completed no more than two years before the licensing examination.
Prior License
Previously held a producer license and now submits a fresh resident application rather than reinstating the same license under the twelve-month statutory exemption.
Same License Exemption
The separate section 23-64-507(c) route remains available for timely reinstatement of the same license.
Score Validity
NIPR's current Arkansas resident instructions state that examination scores are valid for one year; this is an applicant score condition, not an examination-version expiration.
Reinstate a lapsed resident producer license within twelve months
No examination is required for this applicant pathway.
Education
Meet applicable continuing-education and renewal requirements unless exempted or waived.
Fees
Section 23-64-507(c) requires a penalty of double the unpaid renewal fee for late renewal.
Platform Demand
NIPR resident instructions state: An exam is required for reapplication if license classes require an exam on the initial application. The statutory same-license reinstatement exemption controls qualifying reinstatements within twelve months.
Statutory Exemption
No written examination is necessary under section 23-64-507(c).
Time Limit
Apply to reinstate the same license within 12 months after the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Resident producer license renewal
No examination is required for this applicant pathway.
Active Duty Continuing Education Exemption
A producer called to active United States military duty is exempt throughout active duty under 23 CAR 18-104(9).
Continuing Education
Nonexempt resident producers complete 24 approved hours, including at least three hours of ethics, each two-year cycle, biennially by the birthday. The exemptions in 23 CAR 18-104 remain applicant conditions. Course-completion assessments do not identify an additional registered licensing examination.
Fees
Pay applicable renewal and continuing-education filing fees electronically.
Grandfathered Continuing Education Exemptions
A producer licensed as a resident before July 1, 2003 may be exempt if at least 60 years old or licensed for at least 15 consecutive years. These exemptions do not apply after lapse and relicensure, to later resident licensees, or to title agents.
Medical Extension
A grave or debilitating illness or injury can support an extension of no more than 12 months for continuing education, with a physician statement, estimated inability period and confidentiality waiver. The analogous family-illness extension covers a grandparent, parent, spouse, sibling or child.
Other Continuing Education Exemptions
23 CAR 18-104 also exempts licenses not requiring an examination and any limited or restricted license the Commissioner exempts.
Term
Renew biennially on or before the end of the birth month; two-year individual licenses expire on the last day of the birth month.
Waivers
Military service or other extenuating circumstances, including long-term medical disability, may support a request to waive renewal procedures, examination requirements or sanctions under section 23-64-507(d).

Official no-examination sources

Effective from 2026-09-22.

Transfer to Arkansas residency with previously held personal lines authority
No examination is required for this applicant pathway.
Department Guidance
The PSI bulletin states: Applicants are not required to provide a clearance letter if they hold a license from another state and are moving to Arkansas. They should contact the Arkansas Department of Insurance via email to determine whether or not they must take an examination.
Exemption
No prelicensing education or examination is required under section 23-64-509(b), except when the Commissioner determines otherwise by rule. 23 CAR 14-102(b)(3) also exempts qualifying movers from prelicense education.
Previous Resident License
The Department's AID-LI-COR form requires changing the former resident license to nonresident or surrendering it; the Department electronically verifies its status.
Prior License
Personal-lines authority must have been held in the previous resident jurisdiction in good standing.
Residency
Move to Arkansas and apply within 90 days after establishing legal residence.

Official no-examination sources

Effective from 2026-09-22.

Provisional Insurance Producer License — Personal Lines

Supervised provisional producer license for eligible military individuals seeking expedited first licensure; initially valid for 180 days with an extension available on request.

Licensing authority: Arkansas Insurance Department · Application information

Extension of military provisional licensure
No examination is required for this applicant pathway.
Current License
Hold the supervised military provisional producer license.
Full License
The permanent-license examination remains recorded in the separate full-licensure route.
Purpose
If needed to attain full licensure, request extension beyond 180 days under 23 CAR 44-103(f).
Supervision
Continue supervision by a licensee with the same scope.

Official no-examination sources

Effective from 2026-09-22.

Expedited initial military provisional licensure
No examination is required for this applicant pathway.
Application
Apply first for provisional licensure on the Commissioner's approved form, submit the provisional application fee and required documentation.
Duration
180 days; the applicant may request an extension to attain full licensure.
Eligible Individual
Qualify under 23 CAR 44-102(a), and never have been licensed in the insurance industry in Arkansas or another United States jurisdiction.
Full License
The full producer-license route is separately recorded and involves the currently offered personal-lines examination; no examination is imposed by the enumerated provisional-issuance provisions.
Issuance
A provisional license is issued after the Department verifies the documentation; 23 CAR 44-103(c)-(d) specifies the provisional issuance conditions.
Service Credit
Relevant uniformed-service education, training, national certifications and service-issued credentials may count toward qualifications.
Supervision
Supervision by an individual licensed for the same scope of practice is required.

Official no-examination sources

Effective from 2026-09-22.

Arkansas Personal Lines (Property/Casualty-no Commerical Lines) Examination

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
95 scored questions plus 10 pretest questions; published subdivisions: 25 scored plus 2 pretest Arkansas-specific questions, and 70 scored plus 8 pretest general-knowledge questions.
Time limit
210 minutes
Passing score
70% correct
Exam fee
$50.00
Examination outline
  • STATE STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307)
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Appointment
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > General duties and powers
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Examination of records
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Hearings/notice of hearings
    • The Insurance Commissioner (Ref: 23-60-108; 23-61-102, 103, 108, 110, 201, 202; 301-307) > Penalties
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105)
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Authorized and unauthorized companies
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Domestic, foreign, and alien companies
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Stock and mutual companies
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Certificate of authority
    • Definitions (Ref: 23-60-102; 23-63-201, 202; 23-69-102; 23-74-105) > Insurance transaction
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209)
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Producer
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Adjuster
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Consultant
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Resident/nonresident
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Persons required to be licensed > Temporary license
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Producer appointment/termination of contract
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Exemptions/exceptions
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license > Continuing education
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license > Change of Contact Information
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Maintaining a license > Administrative fees
    • Licensing (Ref: 23-64-102, 202, 203, 210, 214-218, 220, 223, 301-305, 507; 23-66-209) > Renewal, suspension, or revocation of license
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101)
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101) > Fiduciary capacity
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101) > Commissions
    • Producer Responsibilities (Ref: 23-64-223, 224; 23-65-101) > Fraud reporting
    • Property and Casualty Insurance Guaranty Association (Ref: 23-90-102-104, 106, 111, 112)
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9)
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair claims practices
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Rebating
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Misrepresentation
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > False advertising
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Defamation
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > False financial statements
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Boycott, coercion, intimidation
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Unfair discrimination
    • Marketing Practices (Ref: 23-66-206, 210, 211, 306; Rule and Reg. 43: 7-9) > Unfair methods of competition > Twisting
  • ARKANSAS STATUTES, RULES, AND REGULATIONS COMMON TO PERSONAL LINES INSURANCE ONLY
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122)
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Adjusting
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Property insurance
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Casualty insurance
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Marine insurance
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Valued Policy Law
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Comparative Fault
    • Definitions (Ref: 23-62-104, 105, 107; 23-65-303-305, 308, 309; 23-79-307, 23-88-101; Title 16-64- 122) > Nonrenewal
    • Rural Risk Underwriting (Ref: 23-88-301, 303, 304, 306)
    • Rural Risk Underwriting (Ref: 23-88-301, 303, 304, 306) > Definitions
    • Rural Risk Underwriting (Ref: 23-88-301, 303, 304, 306) > Coverage/provisions
    • Homeowners Coverage (Ref: 23-62-104; 23-66-206, 210)
    • Homeowners Coverage (Ref: 23-62-104; 23-66-206, 210) > Provisions
    • Homeowners Coverage (Ref: 23-62-104; 23-66-206, 210) > Cancellation/renewal/nonrenewal
    • Farmowners
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104)
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Required coverage/liability limits
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Financial responsibility/proof of insurance
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Uninsured/underinsured motorist
    • Automobile Insurance (Ref: 23-89-202, 209, 303-305; 401, 403, 404; Title 27-19-605, 711-713; Title 27-22-104) > Cancellation/nonrenewal
    • Arkansas Automobile Insurance Plan (Ref: 23-89-307; Title 27-19-106)
    • Arkansas Automobile Insurance Plan (Ref: 23-89-307; Title 27-19-106) > Personal
    • Earthquake and Deductible
    • Earthquake and Deductible > Notice and declination (Ref: 23-102-114)
  • Federal Laws and Regulations
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts
    • Risk
    • Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers > Mutual, Stock
    • Classifications of Insurers > Admitted, Non-Admitted
    • Classifications of Insurers > Foreign, Domestic, Alien
    • 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 - Definitions
    • Authority and Powers of Producers - Definitions > Express
    • Authority and Powers of Producers - Definitions > Implied
    • Authority and Powers of Producers - Definitions > Apparent
    • Authority and Powers of Producers - Definitions > 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
  • Property and Casualty Insurance Basics
    • Insurable Interest
    • Liability
    • Liability > Absolute
    • Liability > Strict
    • Liability > Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Types of Hazards > Moral
    • Types of Hazards > Morale
    • Types of Hazards > Physical
    • Types of Perils
    • Types of Perils > Named
    • Types of Perils > Open
    • Types of Loss
    • Types of Loss > Direct
    • Types of Loss > Indirect
    • Loss Valuation
    • Loss Valuation > Actual Cash Value
    • Loss Valuation > Replacement Cost
    • Loss Valuation > Market Value
    • Loss Valuation > Agreed Value
    • Loss Valuation > Valued Policy
    • Loss Valuation > Functional Replacement Cost
    • Negligence
    • Negligence > Torts
    • Negligence > Elements of a Negligent Act
    • Negligence > Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement
    • Policy Structure > Additional/Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Policy Clauses
    • Policy Clauses > Insureds
    • Policy Clauses > Policy Period
    • Policy Clauses > Policy Period > Policy Territory
    • Policy Clauses > Policy Period > Cancellation and Non-Renewal
    • Policy Clauses > Policy Period > Deductibles
    • Policy Clauses > Policy Period > Other Insurance
    • Policy Clauses > Policy Period > Other Insurance > Nonconcurrency
    • Policy Clauses > Policy Period > Other Insurance > Primary and Excess
    • Policy Clauses > Policy Period > Other Insurance > Pro Rata
    • Policy Clauses > Policy Period > Other Insurance > Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability > Per Accident
    • Limits of Liability > Per Occurrence
    • Limits of Liability > Per Person
    • Limits of Liability > Aggregate
    • Limits of Liability > Split limits
    • Limits of Liability > Combined Single Limit
    • Coinsurance
    • Coinsurance > Purpose
    • Coinsurance > Definition
    • Coinsurance > Calculation
    • Coinsurance > Penalties
    • Coinsurance > Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions > First Named Insured versus Other Insureds
    • Named Insured Provisions > Duties After Loss
    • Named Insured Provisions > Assignment
    • Named Insured Provisions > Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions > Liberalization
    • Insurer Provisions > Subrogation
    • Insurer Provisions > Claim Settlement Options
    • Insurer Provisions > Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions > Standard Mortgage Clause
    • Third-Party Provisions > Loss Payable Clause
    • Third-Party Provisions > No Benefit to the Bailee
  • Dwelling Policy Concepts
    • Purpose and Eligibility
    • Definitions
    • Perils Insured Against
    • Perils Insured Against > Basic
    • Perils Insured Against > Broad
    • Perils Insured Against > Special
    • Property Coverages
    • Property Coverages > Coverage A - Dwelling
    • Property Coverages > Coverage B - Other Structures
    • Property Coverages > Coverage C - Personal Property
    • Property Coverages > Coverage D - Fair Rental Value
    • Property Coverages > Coverage E - Additional Living Expenses
    • Property Coverages > Other Coverages
    • Personal Liability Supplement
    • Personal Liability Supplement > Coverage L - Personal Liability
    • Personal Liability Supplement > Coverage M - Medical Payments to Others
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Policy Endorsements
  • Homeowners Policy Concepts
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms > Broad (HO-2)
    • Homeowners Policy Coverage Forms > Special (HO-3)
    • Homeowners Policy Coverage Forms > Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms > Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms > Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms > Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Section I - Property Coverages > Coverage A - Dwelling
    • Section I - Property Coverages > Coverage B - Other Structures
    • Section I - Property Coverages > Coverage C - Personal Property
    • Section I - Property Coverages > Coverage D - Loss of Use
    • Section I - Property Coverages > Additional Coverages
    • Section II - Liability Coverages
    • Section II - Liability Coverages > Coverage E - Personal Liability
    • Section II - Liability Coverages > Coverage F - Medical Payments to Others
    • Section II - Liability Coverages > Additional Coverages
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions > Section I - Property Covered Exclusions
    • Homeowners Policy Exclusions > Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements > Business Pursuits
    • Homeowners Policy Endorsements > Earthquake
    • Homeowners Policy Endorsements > Home Day Care
    • Homeowners Policy Endorsements > Personal Injury
    • Homeowners Policy Endorsements > Personal Property Replacement Cost
    • Homeowners Policy Endorsements > Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy
    • Definitions
    • Personal Injury Protection Definitions
    • Liability Coverage
    • Liability Coverage > Bodily Injury and Property Damage
    • Liability Coverage > Supplementary Payments
    • Liability Coverage > Exclusions
    • Liability Coverage > Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage > Definitions
    • Uninsured and Underinsured Motorists Coverage > Bodily Injury
    • Uninsured and Underinsured Motorists Coverage > UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile > Collision
    • Coverage for Damage to your Automobile > Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile > Deductibles
    • Coverage for Damage to your Automobile > Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements > Towing and Labor Costs
    • Endorsements > Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements > Joint Ownership Coverage
    • Endorsements > Rental Vehicle Coverage
  • Other Types of Personal Insurance
    • Personal Umbrella and Excess Policies
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) > Deductible
    • Flood Insurance
    • Watercraft
Examination sources