Getting yoursArizona Insurance Licenseis the first step tobecomes an insurance agent in Arizona. Whether you are interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.
TheArizona Department of Insurance and Financial Institutionsit has a 6 step process involvedhow to become an insurance agentin Arizona. We will guide you step by step; from license application toinsurance test prep, according toArizona Insurance Exam,and so on.
This guide has everything you need to know to get yoursAZ insurance licensequick and easy.
How to get your insurance license in Arizona
Getting your Arizona insurance license is easy! Just follow our step-by-step guide. Be sure to bookmark this page so you can revisit it during this process.
Step 1. What insurance licenses do you need?
The first step to getting yoursinsurance licenseis to select the licenses you need. The most common licenses that new insurance agents get areproperty and casualty (P&C) license,life and health insurance (L&H) license.
The types of insurance products and policies you will be selling will determine what licenses you need. Here are some examples of the types of policies you can place with each license:
- License for property and casualty insurance– Auto insurance, home insurance, business insurance, etc...
- Life and health insurance license– Life insurance, annuities, Medicare, health insurance, etc…
Mostinsurance agentsand manufacturers choose to get both P&C and L&H licenses, but if you plan to specialize in just one category, then you don't need all the licenses.
Insurance adjustersrequire a special license. You can find more information atbecomes an insurance regulatorhere:Insurance adjuster license in Arizona.
If you plan to specialize aslife insurance agent, then you may also need to have a specific FINRAsecurities license.
Step 2. Arizona Insurance pre-exam education
Once you've determined what licenses you need, it's time to start studying for the Arizona insurance exams.
Arizona does not require you to take a certain amount of pre-license credits before testing. This means that studying for the exam is 100% up to you.
Most people choose to takepre-license insurance courseon the line. These courses are designed specifically to give you the skills you need to pass the exam. Others buy books or other self-study tools to prepare.
It would be wise to set aside a week or more to study for this exam. If you don't feel like you're a good test taker, take a little longer, but don't let it drag on for too long. We want topass your test the first timeyou take it, andwe know you can do it.
ForPre-license education courses and Arizona insurance exam preparation, StateRequirement recommends:
Step 3. Arizona Insurance License Exam
The next step after completing the entire pre-license or self-study course is to take the insurance exam. You will takeone exam for each line of insurance you wish to carry. Life, Accident and Health (LA&H) and Property and Casualty (P&C) lines are combined lines in Arizona, so you will take two exams if you want to earn all of these lines of authority:Property, accident,Life, Accident, Health.
This is a supervised test, which means you will be in a controlled environment with someone watching over you. People who have not tested in this situation should be aware of this fact and work on taming their nerves before taking the exam.
Thethe fee for each exam attempt is $49 per combo line.Single line exams cost $38 per attempt.When you show up, you must have a photo ID and any other documents the testing facility has asked you to bring.
The Life, Casualty and Health Exam and the Property and Casualty Exam consist of one hundred fifty (150) questions, and you have two and a half hours (2.5 hours) to complete each exam. Here is a copyexamination content reviewfor the life, accident and health exam. Here is a copyexamination content reviewfor the Property & Casualty exam.
Aa total score of 70% is required to pass.every exam. You are limited to four (4) attempts at each exam per year. To explain the results of this exam, we will quotePrometric Arizona Insurance Licensing Information Bulletin:
Your exam results
At the end of the exam, your score will be displayed on the screen and you will receive a printed score report. The report shows your total score and grade, including the numerical percentage of questions you answered correctly and whether you passed or failed. The report also shows the exact percentage in each major section of the exam, as defined by the exam content overview. These section results are presented to guide you or your employer and/or trainer in areas that require additional preparation for retesting if you fail the exam. Even after you pass it, you may want to focus on these areas when you start providing insurance products and services to the public.
Check out oursInsurance exam guide. It's extremely detailed and hopefully helps you pass the first time.
Looking for a guide to taking the Arizona insurance test? Check out oursArizona Insurance License Examarticle.
Insurance license tests are intentionally difficult, but by no means impossible. Before attempting the test, you should study the information to the point where you are comfortable. Failing the exam is not the end of the world, but keep in mind that you will have to pay a fee each time you try to pass the exam.
StateRequirement recommends that you study for one exam at a time, then after passing, starting from the next line. Exams are hard enough on their own without confusing information from one line to another. Check out our review ofKaplan insurance course.
You can register to take the exam and find more information aboutPrometric Arizona Insurance Test Site.
Step 4. Fingerprint and background check
The state of Arizona requires that all insurance license applicantsgive fingerprintsbefore licensing. Providing your fingerprints will trigger a background check. If you have a prior misdemeanor or criminal record, this may affect the outcome of your efforts to obtain a license. Call the Arizona Department of Insurance at (602) 364-4457 or send an emailDepartment of Licensingfor more information.
Effective November 19, 2022, all fingerprints must be submitted electronically through a state-approved electronic fingerprint application vendor,Field footprint.
You will need to create an account and follow the steps on the website. You will need to enter a fingerprint codeINS-055.Afor all insurance claims.
Field fingerprinting will verify proof of the applicant's legal status at the fingerprinting appointment, therefore an L-152 will not be required. When you finish your fingerprinting appointment, you will receive a registration ID.Don't lose your fingerprint registration ID as you will enter it in a later step!
Step 5. Apply for an Arizona license
Once you have completed your exams and fingerprinting, you are now readyapply for your license.If you have more than one line of authority for which you have passed the exam, be sure to apply for all of those lines.
The online application fee is $120 and NIPR will charge a $5.60 transaction feea total of $125.60. If you sign up for your additional lines of authority, only a $5.60 transaction fee will be charged on subsequent additions.
Complete and submit your online application along with your Fingerprint Registration ID from Fieldprint toNIPRWeb page.
Step 6. Review the application
After you submit your application and fulfill all other requirements,your license application will be reviewed by the state. Your check will also be reviewed.
If everything is up to acceptable standards, your permit should be issued quickly. If there are items from your background check that need to be reviewed, this can slow down the issuance process. If this is the case, the state may contact you to provide context for the problems they faced.
Once the review is complete, you should receive an email from NIPR regarding the status of your license. These emails are known not to be received, so you should also do a license search in your name about a week to two weeks (1-2 weeks) after submitting your application.
To check if your license has been issued, you can look at theArizona Department of Insurance License Search Tool. Use this format to search for your license: Last Name, First Name.
You've done the work, invested the time and effort, and now you hold the key to your own success! We are proud of you. Take five (5) minutes and celebrate.
After obtaining an insurance license in Arizona
After passing the exams and completing the licensing application, you are now a licensed insurance agent in Arizona. A common question we hear is, "I have an insurance license, now what?" Here are some things you can do or need to know:
- Get a job in the insurance sector. Check the StateRequirement'sJobs in insuranceboard
- If you are going to sell advancedlife insuranceproducts, you will need to have the appropriate securities licenses.Series 6,series 7, iseries 63are the most common among insurance agents, but you will need to start withBECAUSE(Securities Industry Essentials) exam. Find out which licenses you need with ourLicensing of securitiesDriver
- You will need to renew your insurance license every four years. Check out our guides atArizona Insurance License RenewaliArizona Insurance Continuing Educationfor more details
- Learn how to market yourself as an insurance agent: check out oursMarketing of insurance agentsarticle
- Curious about how successful life insurance agents work? Check out oursHow life insurance companies make moneyarticle
Contact information for the Arizona Department of Insurance and Financial Institutions
100 North 15th Avenue, apartman 261
Phoenix, Arizona 85007-2630
Email: osiguranje email@example.com
License search:Arizona insurance license search and search
Arizona Insurance License Frequently Asked Questions
How long does an insurance license last in Arizona?
Learnhow to get an insurance licenserenewal here:Arizona Insurance License Renewal
How long does it take to get an insurance license in Arizona?
2-8 weeks.You spend most of your time studying for the Arizona insurance exam. Some people only study for a week and feel comfortable taking the exam. We recommend taking as much time as you need to get comfortable with the material. Check out our guide:How to pass the insurance exam
How much does an Arizona insurance license cost?
The total cost for yourinsurance course, application and exam will beabout 375 dollars. If you fail the exam the first time, add $56 for each subsequent attempt.
How do I get a life insurance license in Arizona?
Washsteps above. The licensing procedure is the same for all insurance agent and manufacturer licenses.
How do I get a property and casualty license in Arizona?
Washsteps above. The licensing procedure is the same for all insurance agent and manufacturer licenses.
Do I need business insurance in Arizona?
If you run a business based in Arizona, you probably need oneBusiness Insurance in Arizonato protect your assets and work safely.
The Life, Accident and Health or Sickness Exam Series 13-33 consists of 150 questions, and you will have 150 minutes to complete it. The following is an outline of major portions of the exam: Licensing and Regulation – 4% General Insurance Concepts – 6%How many questions are on the Arizona insurance license exam? ›
The Life, Accident and Health or Sickness Exam Series 13-33 consists of 150 questions, and you will have 150 minutes to complete it. The following is an outline of major portions of the exam: Licensing and Regulation – 4% General Insurance Concepts – 6%What is the hardest insurance exam to pass? ›
Each insurance licensing exam presents its own challenge. Between Life and Health, students say that the Health insurance exam is the more difficult. Health insurance policies are simply more complicated than life insurance policies. The Property insurance exam is easier than the Casualty insurance exam.How do I get my insurance license in Arizona? ›
- Step 1: Prepare with an Arizona Pre-Licensing Insurance Course. ...
- Step 2: Pass the Arizona Insurance License Exam. ...
- Step 3: Submit Electronic Fingerprints. ...
- Step 4: Complete an Insurance License Application. ...
- Step 5: Submit the Licensing Eligibility Requirement Form L-152.
You have been convicted of any FELONY involving dishonesty or breach of trust that you have not disclosed on your application for an Arizona insurance license, or. You have been convicted of an 18 USC § 1033 offense, even if you have disclosed it on your application for an Arizona insurance license.What is a passing score on the Arizona insurance exam? ›
There is a minimum passing score of 70%. At the end of your exam, your score will be shown on the screen, and you will receive a printed score report. If you pass, Prometric electronically notifies the Department of Insurance of test results within 48 hours.Can you take the Arizona insurance exam online? ›
Your test can be carried out online or in person. Each major insurance line examination is made up of bullet-point questions and includes both general and state-specific material.What is the hardest part of being an insurance agent? ›
Agents and brokers who listen carefully to what their clients and prospects say will be able to earn their trust, which is the hardest part of their job.How to pass an insurance medical exam? ›
- Eat healthy. During the life insurance physical, the examiner will take a blood sample for testing and he or she will check your blood pressure and pulse. ...
- Drink water. ...
- Consider fasting. ...
- Skip the gym. ...
- Get a good night's sleep. ...
- Wear lightweight clothing.
What Is the Pass Rate of the Series 7 Exam? Though FINRA doesn't publish a pass rate for the Series 7 exams, it is widely accepted to be around 65%.
The Arizona Department of Insurance Property and Casualty Insurance License fee is $120. Fees are not refundable for any reason. NOTE: Arizona Insurance exams have an Eligibility Period of 90 days from the date of registration.How long do AZ licenses last? ›
While licenses are currently valid for eight years, there are many residents whose license doesn't expire until they turn 65. At that point, renewals are required every 5 years.How much do life insurance agents make in Arizona? ›
|Annual Salary||Monthly Pay|
No License? No Problem! Whether you have a proper driver's license or not, you should have auto insurance for the security it offers. We insure all drivers — with licenses and without licenses.Is it illegal to drive in AZ without insurance? ›
You cannot legally drive with registration and without the minimum insurance coverage. Upon request of a law enforcement officer, you must provide proof of financial responsibility, and if you fail to do so, there are consequences. Arizona has some of the strictest penalties for driving without insurance.What are the requirements for auto insurance in Arizona? ›
$25,000 for one person sustaining bodily injury or death in an accident, $50,000 for two or more persons sustaining bodily injury or death in an accident, and. $15,000 for damage to others' property.How long does it take to get a Property and casualty license Arizona? ›
How long does it take to process a property and casualty insurance license application in Arizona? It will take up to one month for you to become an insurance agent after the Arizona DIFI receives your application and other licensing requirements.Is the Arizona Property and casualty exam hard? ›
It is hard to pass the property and casualty exam, but you can get ready by taking an exam preparation course and creating a solid study plan. You can repeat the exam if you fail it twice, then wait at least 60 days before doing so. Associated with taking the exam, so prepare thoroughly before your first attempt.How to schedule life insurance exam Arizona? ›
The fastest way to schedule your exam is to do so online with Prometric/AZ. You can also schedule your exam over the phone at (800) 853-5448. To change or cancel your testing appointment, you must contact Prometric at least 48 hours in advance or forfeit the examination fee.Does Arizona have a license for life? ›
The Arizona DIFI will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.
- Complete a Prelicensing Course. If you would like to sell insurance as an independent adjuster in Arizona, you must pass a licensing exam. ...
- Get Fingerprinted. ...
- Pass a Licensing Exam. ...
- Apply for License.
Pass Rates and Recommended Study Time
Nevertheless, the passing score for all exams is 70%, and utilizing exam study tools can help you gauge whether or not you are on target to pass on the first try. The average exam-taker should expect to spend about 35 to 40 hours studying to pass the life and health insurance exam.
The most commonly cited reason insurance agents fail is that they fail to listen to their customers and take the time to find the best product to suit their needs. Agents who bring the right solutions to customers build trust, and that helps them build a book of loyal customers.Do insurance agents do a lot of math? ›
Math. Because insurance relies on many financial principles, it's essential for insurance agents to possess competency with numbers. The ability to make error-free calculations and analyze numerical data about insurance trends can help agents perform their work more effectively.Which branch of insurance makes the most money? ›
While there are many kinds of insurance (ranging from auto insurance to health insurance), the most lucrative career in the insurance field is for those selling life insurance.What do insurance companies look for in urine test? ›
Drug use: Life insurance drug tests can detect drugs like amphetamines/methamphetamines, cocaine, opiates, phencyclidine (PCP), barbiturates, benzodiazepines, methadone, and marijuana.What foods should you avoid before a life insurance exam? ›
Avoid Salts and Fatty Foods
Certain foods directly affect blood test results, so avoid sugary, fatty, salty and fried foods at least a few days before your appointment. You can also eat foods that raise your good cholesterol, including salmon, whole grains and nuts like walnuts and almonds.
It typically consists of two parts: a questionnaire and a physical exam. The examiner will often come to your home or office and perform a short physical examination that includes basic height and weight measurements, a check of your vital signs, including pulse and blood pressure, and taking blood and urine samples.What if you fail the Series 7 twice? ›
After the first or second time a candidate fails the Series 7, there is a mandatory 30-day waiting period before they can take the exam again. After the third (and subsequent) fails, the waiting period increases to 6 months. The $245 exam fee applies each time they take the exam.What is the most difficult series exam? ›
The Series 7 exam is often considered the most difficult securities licensing exam. But, the answer is up to you.
A candidate can take the Series 7 exam as many times as they like; however, for the first three times, the candidate has to wait 30 days before trying again; after the first three attempts, the candidate has to wait six months.Is insurance cheaper in AZ? ›
Why Arizona Car Insurance Rates Can Be High. Compared to the national average, Arizona is slightly cheaper at an average of $1,284 per year. Your rates may vary due to several state-specific and personal factors. MoneyGeek explores these factors to show how they can affect your car insurance premiums in Arizona.How to sell auto insurance in Arizona? ›
- Enroll in a pre-licensing insurance course to help prepare you for the licensing exam. Arizona doesn't require you to take an exam prep course, but we highly recommend it. ...
- Register for your Arizona exam. ...
- Pass your exam and apply for your license.
Age – Be at least 18 years of age when applying for a license. Education – Complete 90 hours of Real Estate Broker pre-licensing education at an approved Arizona real estate school and pass the examination at an ADRE approved real estate school, college or university.Why don t Arizona licenses expire? ›
Why Do Arizona Driver's Licenses Last So Long? Arizona law states that a driver's license doesn't need to be renewed until the driver turns 65 years old. The standards were set by Arizona lawmakers decades ago, and in 1999 state legislators actually voted to extend the renewal age from 60 to 65.What is a class AZ license? ›
WHAT IS THIS LICENSE GOOD FOR? “AZ” license holders are qualified to drive a motor vehicle and towed vehicles where the towed vehicles exceed a total gross weight of 4,600 kilograms (10,000 lbs.). This also includes straight trucks, dump trucks, garbage trucks and vans should they wish.How many times can a license be inactive in Arizona? ›
If the license is not reactivated within five years, a new application for licensing must be made unless the contractor requests, on forms prescribed by the registrar, to inactivate the license for an additional period not to exceed five years. No contractor may inactivate the license more than twice.Is selling life insurance a good side job? ›
Is Selling Life Insurance a Good Way to Make Money? You can make a good living selling life insurance, especially if you continue to earn commissions on policies you have already sold. However, it is not an easy career, as it requires constantly working to find leads, build relationships, and make sales.Can you make a million dollars as an insurance agent? ›
Is It Possible To Become A Millionaire Selling Insurance? A big yes. But like any other job, it takes time to be good at what you do and attain such income levels. Top agents earn anywhere between $100,000 to one million dollars.Can you make a living as an insurance agent? ›
It is not easy to make a living in insurance, but it is not as hard as you might think. As with any type of sales, becoming an insurance agent can be one of the best paying hard jobs or a terrible paying easy job. Dedicated agents will become successful at insurance sales, just like at any other job.
Generally, whoever is the titled owner of a car needs to be the one to insure it. Car insurance companies want to make sure the primary policyholder has what's called insurable interest in the car they're insuring. Insurable interest essentially means you have a reason to insure a car.Is Arizona a no fault state? ›
Arizona is one of 38 states, plus the District of Columbia, that applies a fault-based system to auto accidents. Therefore, Arizona is not a no fault state. If you suffered an injury due to another driver's negligence, you have the right to file a claim with the careless driver's insurance company in Arizona.Can you go to jail for driving without insurance in Arizona? ›
No, you cannot go to jail for driving without insurance in Arizona, but you can face other serious consequences, such as suspension of license and fines up to $1,000. Driving without insurance in Arizona is illegal and can have a serious impact on your car insurance rates moving forward.What is the fine for no insurance in AZ? ›
Be fined $500. Driver's license, registration, and license plate will be suspended for 3 months. Incur a $35 total to reinstate the above. Need to obtain an SR-22 certificate on your insurance for at least 2 years (this can cause an increase on your insurance)How long can you drive without insurance after buying a car in AZ? ›
The Arizona new-car insurance grace period is 2 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy.Can you self insure in Arizona? ›
Benefits of Being a Self-Insured Employer in Arizona
Pay losses directly and pay self-insured tax assessment amounts, not insurance premiums.
Arizona requires that every motor vehicle operated on roads in the state be covered by liability insurance through a company that is authorized to do business in Arizona.
The number one way to show financial responsibility in Arizona is to purchase liability coverage from a provider with legal authorization to operate in the state. If you own 10 or more vehicles, however, you can apply to “self-insure” when you complete a Certificate of Self-Insurance Application.Is the Arizona property and Casualty exam hard? ›
It is hard to pass the property and casualty exam, but you can get ready by taking an exam preparation course and creating a solid study plan. You can repeat the exam if you fail it twice, then wait at least 60 days before doing so. Associated with taking the exam, so prepare thoroughly before your first attempt.How long is Arizona Life Insurance license good for? ›
In Arizona, you must also renew and manage your life insurance license every four years. To avoid delays in renewing your license, you must complete continuing education hours within 90 days before your license expires.
How long does it take to process a property and casualty insurance license application in Arizona? It will take up to one month for you to become an insurance agent after the Arizona DIFI receives your application and other licensing requirements.How many questions are on Examfx certificate exam? ›
Frequently Asked Questions
The revised Series 7 exam will consist of 125 scored questions (+ 10 pretest/unscored), and candidates will be allowed 3 hours and 45 minutes to complete.
The Property and Casualty Insurance License is specifically targeted at individuals who are interested in selling insurance or working in the Insurance industry. Property and casualty insurance covers a broad range of products that are designed for personal and commercial clients.What score do you need to pass the P&C license exam in Texas? ›
What score do I need to pass the Texas insurance exam? In Texas, you need a score of 70 to pass each exam.What is involved in a medical exam for life insurance? ›
It typically consists of two parts: a questionnaire and a physical exam. The examiner will often come to your home or office and perform a short physical examination that includes basic height and weight measurements, a check of your vital signs, including pulse and blood pressure, and taking blood and urine samples.How often do Arizona licenses expire? ›
While licenses are currently valid for eight years, there are many residents whose license doesn't expire until they turn 65. At that point, renewals are required every 5 years.Why are Arizona licenses good for so long? ›
Why Do Arizona Driver's Licenses Last So Long? Arizona law states that a driver's license doesn't need to be renewed until the driver turns 65 years old. The standards were set by Arizona lawmakers decades ago, and in 1999 state legislators actually voted to extend the renewal age from 60 to 65.Do you need a license to sell Health insurance in Arizona? ›
Although there is no specific prelicensing education requirement for Arizona, if you would like to sell insurance in Arizona, you must pass a licensing exam. To prepare, the first step is to complete a prelicensing course.How much does a Property and Casualty license pay in Texas? ›
|Annual Salary||Monthly Pay|
ExamFX candidates report a 93% overall licensing exam pass rate. Our pass rates reflect our comprehensive study programs and our commitment to helping you succeed.
A: No matter what certification exam you take, all share one thing in common: multiple-choice questions.How many times can you take a quiz on ExamFX? ›
Frequently Asked Questions
We recommend using alternative assessment tools available in the course, such as Flash Cards and the Readiness Exam (see below for more information regarding Readiness Exams; it is important to note that students are limited to two Readiness Exam attempts).