Getting an insurance license in Arizona
Arizona licenses through the Arizona Department of Insurance and Financial Institutions, which calls the licensee a producer. Which license you need depends on what you intend to sell, and the requirements differ sharply between them.
License types
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Accident and Health or Sickness
Sells cover for sickness, bodily injury or accidental death in Arizona, and it may carry disability income benefits too. The statute defines health or sickness insurance by pointing at its own definition of disability insurance. No pre-licensing course is required.
No course
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Adjuster
Adjusts, investigates or negotiates Arizona claim settlements for an insurer or for an insured. Arizona licenses one adjuster rather than splitting public from independent, and its claims-certificate waiver is the rare one that removes the residency requirement along with the examination.
No course
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Bail Bond Agent
Executes or countersigns a surety insurer’s bail bonds in Arizona criminal proceedings. It asks for a year of Arizona residency before the application, and it does not reach civil bonds unless the agent also holds a casualty producer license.
No course
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Bail Recovery Agent
Arizona does not license this one, it registers it. The Department says so in a sentence, and then sets requirements a bounty hunter has to satisfy before a bail bond agent may use them.
No course
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Casualty
Sells cover against legal liability in Arizona, including liability for death, injury, disability or damage to real or personal property. No pre-licensing course is required.
No course
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Certified Application Counselor
Helps Arizonans apply for qualified health plans and affordability programs on the federal exchange. Arizona licenses it, the federal government authorizes it, and an accident and health producer needs neither.
No course
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Credit
Limited line credit insurance in Arizona, which the statute defines as a list of covers written alongside an extension of credit: credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability and guaranteed asset or automobile protection among them. Arizona asks neither a pre-licensing course nor an examination of it.
No course
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Crop
Limited line crop insurance in Arizona. It is the one limited line the statute pulls back out of its own examination waiver, so a crop applicant sits the examination while a credit applicant does not, and no pre-licensing course is required of either.
No course
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Life Settlement Broker
Negotiates the sale of a life policy for the owner, and owes that owner a fiduciary duty. In Arizona it is an authority added to a life producer license rather than a license of its own, and it is priced by how long that license has left to run.
No course
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Life
Sells life insurance in Arizona, which the statute writes as coverage on human lives and allows to carry endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Arizona asks no pre-licensing course for it.
No course
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Mexican Insurance Surplus Lines Broker
The narrower surplus lines license, for somebody who only places alien cover for risks in Mexico. No other state on this site licenses by the country the risk sits in.
No course
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Navigator
Educates Arizonans about the health insurance marketplace and helps them choose a plan. A navigator has to present options available outside the marketplace too, which is the duty that separates it from selling.
No course
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Personal Lines
Property and casualty insurance sold to individuals and families for primarily noncommercial purposes in Arizona. It is one line rather than two and no pre-licensing course is required.
No course
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Portable Electronics Adjuster
Adjusts Arizona portable electronics claims and nothing else. It exists for two people only: a Canadian resident licensed as an adjuster elsewhere, and somebody from a state that licenses no adjusters at all.
No course
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Portable Electronics Vendor
The limited lines license the shop holds to sell cover on phones and tablets. One license covers every employee at every location, and the training obligation falls on the vendor rather than on anybody applying.
No course
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Property
Sells cover for direct or consequential loss or damage to property of every kind in Arizona. No pre-licensing course is required.
No course
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Risk Management Consultant
A license only an employee of an Arizona city, county or district can hold, issued so that political subdivisions can run their own risk pools. It ends by operation of law the day the job does.
No course
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Self Service Storage Agent
Sells cover on the contents of a rented storage unit, and only alongside renting the unit. Arizona issues it to the facility’s owner or managing agent, individual or business entity, on one form and one fee.
No course
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Surplus Lines Broker
Places Arizona business with insurers that hold no Arizona certificate of authority, after finding the cover is not readily available from one that does. Its renewal fee is the largest add-on the Department charges.
No course
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Title Agent
Arizona will not issue this one to a person. A title agent has to be a stock corporation or a limited liability company, authorized by a title insurer to solicit and collect premiums.
No course
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Travel Insurance Producer
A business entity license, and the individual version of it was abolished. HB 2047 of 2014 created this and eliminated the travel accident ticket and baggage producer license in the same act.
No course
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Variable Life and Variable Annuity Products
Sells cover provided under variable life insurance contracts and variable annuities in Arizona. Unlike most states here, Arizona does not condition this line on holding the Life line first: the statute treats it as one of its six major lines and asks for the examination required for it. No pre-licensing course is required.
No course
Is a course required?
Arizona requires no pre-licensing course for Life, Accident and Health, Property, Casualty, Personal Lines.
The Department lists what an individual applicant must do: be 18, prove lawful presence, pass the Arizona examination, submit fingerprints, pay the fee. No course appears in it, and the Department names a vendor for pre-licensing examinations and continuing education without naming one for pre-licensing education. A sourced zero read off a complete list rather than off a sentence saying no.
Read at the Department on 2026-08-13
Fees
| Charge | Paid to | Amount |
|---|---|---|
| License fee Non-refundable, and the same figure for an individual or a business entity. A.R.S. 20-167(10)(a) is the statutory authority and it sets a band rather than a figure: the director collects between $60 and $180 quadrennially for every license except the surplus lines broker's, and $120 sits inside that band. The surplus lines broker is priced separately at $600 to $1,000 and is no longer scoped to this row. 20-167(B) forbids prorating and refunds, and 20-167(C) makes the license fee payment in full of every state, county, district and municipal license fee, license tax and business privilege charge. | Arizona Department of Insurance and Financial Institutions | $120.00 |
| FBI fingerprint processing Only where fingerprints are required, which is broadly Arizona residents without an existing set on file. It is scoped to every license because the Department charges it on the application rather than per line, and a reader who has already been printed subtracts it. | Federal Bureau of Investigation | $22.00 |
| Surplus lines broker license, quadrennial NIPR publishes what the Department does not, and it is prorated rather than flat: $1,000 where two years or more remain on the underlying insurance producer license, $500 where less than two remain. A new applicant takes a fresh four-year producer license, so two or more remain and the figure is $1,000. A.R.S. 20-167(10)(a) bands the license at $600 to $1,000 and leaves the amount to the director, which is why the statute alone could not answer this: the $500 half of the proration sits below the statutory floor because it is a part-term charge rather than a license fee. The Mexican insurance surplus lines broker is priced the same way. | Arizona Department of Insurance and Financial Institutions | $1,000.00 |
| Examination on laws and one kind of insurance A.R.S. 20-167(10)(b) sets $8 to $25 for an examination on the laws and one kind of insurance and $15 to $45 for two or more kinds. 20-167(D) then makes the band advisory in practice: the director may contract out the examination for adjusters, insurance producers, bail bond agents, risk management consultants and surplus lines brokers, and where that happens the fee is paid directly to the contractor and "may exceed the amounts prescribed in this section". Arizona contracts its examinations out, so the statutory band is not what a candidate pays and the amount is left unread rather than guessed. | the Department's examination contractor | Not confirmed |
Every amount above was read at its own source between 2026-08-13 and 2026-09-06. Exam and fingerprint charges go to a vendor, not to the Department, and say so.
Approved courses
The Department approves continuing education providers and publishes them. It runs no equivalent register for pre-licensing, because there is no pre-licensing course to approve.