Insurance License Hub

Getting an insurance license in Arkansas

Arkansas licenses through the Arkansas Insurance Department, 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

Is a course required?

Arkansas requires pre-licensing education for Life, Accident and Health or Sickness, Casualty, Property, Personal Lines, Property Adjuster, Casualty Adjuster, Workers' Compensation Adjuster, General Adjuster, HMO Agent , at 20 hours.

Twenty hours is a minimum, and the rule spends most of its length saying what has to be inside them. Every line gets a prescribed breakdown down to the half hour: five hours of state insurance laws and rules and an hour of ethics in all eight, then line-specific topics, including half an hour of federal flood and half an hour of federal crop inside the property course. The education has to be finished no more than two years before the exam, and the provider's certificate has to be handed to the examination vendor on the day or the candidate is turned away and reschedules. Two portions carry across for someone adding a line inside two years, the five hours of state laws and the hour of ethics, so the second course can be fifteen hours rather than twenty. Adjusters are here because of a 2021 amendment. Act 397 of that year struck adjusters out of the prelicensing exemption at Ark. Code Ann. § 23-64-202(b)(2)(A)(iii)(d), which now exempts insurance consultants alone, and Rule 31 took effect on 2022-02-14 with three adjuster syllabuses in it. The same act kept an exemption for nonresident applicants from states that license reciprocally. Rule 31 exempts four groups outright: insurance consultants, surplus lines brokers, a producer or adjuster in good standing who moves here from another state under the Producer Licensing Model Act, and an adjuster applicant holding a current certification from a national or state claims association the Commissioner has approved as a continuing education provider. Two licenses join that list on 2026-08-20 and both come from documents outside Rule 31. The General Adjuster is the fourth adjuster paper the examination vendor gives and Rule 31 has no syllabus of its own for it, so it takes one of the three adjuster syllabuses; the register has no General group either, and the one forty-hour all-lines adjuster course in the state is filed under Property. The HMO Agent is Rule 35 Section 6(a)(5), which says in one sentence that the applicant "Must complete required hours of pre-licensure education as is required by the Commissioner's Rule and Regulation 31" and in the sentence before it that they must pass the disability examination.

Read at portal.insurance.arkansas.gov on 2026-08-20 . Ark. Code Ann. § 23-64-202(b)(2), as amended by Act 397 of 2021, implemented by Arkansas Insurance Department Rule 31

Arkansas requires pre-licensing education for Navigator, Certified Application Counselor, IPA Guide, Exchange Producer . No hour count is published with it, and the note below says what that means here.

A live training requirement on four Arkansas licenses, and the curriculum is federal rather than the Department's. Rule 104 names all four instruments in one definition, "an IPA Guide, Navigator, Certified Application Counselor, or Health Insurance Marketplace licensed producer", and charges each of them $35 to issue and $35 a year to renew. What it does not do is set a syllabus or an hour count, because the training is the Centers for Medicare and Medicaid Services' Marketplace Learning Management System course and testing, and the Department will not start the application without it: "APPLICATIONS WILL NOT BE PROCESSED UNTIL ALL TRAINING IS COMPLETED."The hours are null because nobody publishes a figure, not because none has been read. The Exchange Producer carries a second condition the other three do not: an active Arkansas Life & Health license underneath it.

Read at the Department on 2026-08-20 . Act 1439 of 2013, section 1, codified at Ark. Code Ann. 23-64-607, implemented by Arkansas Insurance Department Rule 104

Arkansas requires no pre-licensing course for Insurance Consultant, Surplus Lines Broker, Limited Adjuster, Title Insurance Agent, Crop Hail.

Five zeros from three separate places. Rule 31 exempts the insurance consultant and the surplus lines broker by name, in a list of four exemptions that also covers a producer or adjuster moving here in good standing under the Producer Licensing Model Act and an adjuster holding a certification from a claims association the Commissioner has approved as a continuing education provider; the consultant's exemption is also in the statute, at 23-64-202(b)(2)(A)(iii)(d), which used to name adjusters beside it until Act 397 of 2021 struck them out. Rule 68 Section 4.A(7) exempts the limited adjuster from Rule 31 and from the continuing education rule together. Title and crop hail are read off Rule 31's own contents rather than off an exemption: it carries a syllabus for each of the five producer lines and each of the three adjuster lines and for nothing else, and the examination vendor's list of the five papers that need a certificate at the door does not reach either of them.

Read at portal.insurance.arkansas.gov on 2026-08-20 . Ark. Code Ann. 23-64-202(b)(2)(A)(iii)(d) and Arkansas Insurance Department Rules 31 and 68

Fees

Charge Paid to Amount
Administrative and regulatory fee Rule 57 Section 6 charges $35 a year for each license held, and the Department collects it biennially, so an individual pays $70 at each renewal. It is per license rather than per line, and the rule says so in its own words: "a producer authorized to transact one or more lines of insurance still has only one license, and the applicable annual fee is $35. If however, the same licensee also holds a surplus lines producer's license (a total of 2 licenses), the licensee would owe two (2) separate fees of $35 each". Individual licenses expire on the last day of the licensee's birth month; business entity producers renew on 1 October and business entity surplus lines producers and third party administrators on 1 January. Since 1 January 2020 it must be paid electronically. It reaches the automobile club agent as well, whose own rule asks for "payment of license and renewal license fees" without naming a figure: Rule 57's list of who it applies to is expressly "not be limited to" the categories it names. Arkansas Insurance Department $35.00
Application fee Paid to the national registry rather than to the Department, on the electronic resident licensing application. The examination vendor sets out the whole order: complete the course, apply and pay this, complete the criminal background check online, wait for the Department to review the application, then take the examination on the vendor's email confirmation. NIPR $20.00
Background check fee, title insurance agent Rule 88 Section 4.A(2). Nonrefundable, for the ASP-122 background check, payable separately to the State Insurance Department Trust Fund, attached to the form, and never by personal check. Arkansas Insurance Department $22.00
Title insurance agency license Rule 88 Section 5.A, and the rule says the $250 already contains the $35 administrative and regulatory fee rather than sitting on top of it. Adding an individual agent to the agency license costs $10 on a producer addition form, and terminating that affiliation costs $10 again. Arkansas Insurance Department $250.00
Surplus lines broker application fee Paid by check to the national registry at the time of application, by an applicant affiliated with a licensed Arkansas broker firm or corporation. It is the largest single figure on this schedule by a factor of four. NIPR $1,035.00
Managing general agent license Rule 57 Section 18, a Category A fee, charged for the initial license and again at every annual renewal. Rule 57 Section 5(a)(5) charges the insurer a separate $500 to file the notice of appointment or of termination. Arkansas Insurance Department $500.00
Reinsurance intermediary broker license Rule 57 Section 16(b) to file the initial application, and Section 16(c) sets $75 for the annual renewal. A non-resident pays a further $75 under Section 16(e) to designate the Commissioner as agent for service of process. Arkansas Insurance Department $300.00
Reinsurance intermediary manager license Rule 57 Section 16(a) to file the initial application, and $100 a year to renew under Section 16(c). Arkansas prices the manager above the broker at both ends, $500 against $300 and $100 against $75. Arkansas Insurance Department $500.00
Third party administrator registration Rule 57 Section 13 does the arithmetic itself: a $40 Category B filing and processing fee "coupled with the $25 fee in Ark. Code Ann. 23-92-203 and the $35 administrative and regulatory fee in Section 6 the total fee due is $100", for the initial registration and for each renewal. This row carries the whole $100 and the administrative and regulatory row above does not reach it twice. Arkansas Insurance Department $100.00
Automobile club certificate of authorization Rule 57 Section 12(c), a Category A fee, for reviewing the documents and issuing the certificate. The club also files an annual financial statement at $100 by 1 April and pays $50 for each form filing, and renews on 1 June under Act 469 of 2025. Arkansas Insurance Department $250.00
Rental company limited license Rule 14 Section 6, the same figure for resident and non-resident rental companies, renewing every year on the anniversary of licensure. The Department's instructions say it cannot be paid by a temporary bank check. Arkansas Insurance Department $35.00
Viatical settlement provider license Rule 57 Section 5(a)(14), for reviewing and processing the application and issuing the initial and the renewal license. It sits in the Category A table for insurers rather than beside the producer fees, which is where Arkansas draws the line between the provider and the broker. Arkansas Insurance Department $500.00
Service contract provider registration change Rule 57 Section 14, a Category B fee, for filing a change to the registration. The Department publishes the original and renewal registration forms and the provider bond form and prices none of them on any page reachable from its own site, so no initial figure is shown here. Arkansas Insurance Department $50.00
Appointment, resident Scoped to no license because the appointing insurance company pays it rather than the producer, and Rule 57 Section 5(b) says so twice over: the fees are "hereby assessed insurers" and Ark. Code Ann. 23-61-708(d) "makes it clear that this economic burden must be borne by insurers". The $20 is two $10 fees stacked, the Rule 57 fee at Section 5(b)(5) and the statutory one the rule points at in the same breath, "The statutory fee for appointment of resident producers is $10". Rule 57 charges the same $10 for a full line appointment and a limited line one, and the same again for a resident agency. Appointments renew on 1 June. Arkansas Insurance Department $20.00
Appointment, non-resident Scoped to no license for the same reason as the resident appointment: the insurer pays it. Three times the resident figure, and unlike the resident one it is the whole charge, because Rule 57 adds that "There is no statutory fee for the appointment of non-resident producers". The same $60 covers an initial appointment and each annual continuation, for an individual agent or for an agency including one qualifying individual. The Department adds a warning of its own beside the figure: "Retaliatory law provisions may increase the applicable fee", so $60 is a floor for a non-resident from a state that charges Arkansas producers more. Arkansas Insurance Department $60.00
Appointment termination Scoped to no license because the insurer files it. Rule 57 Section 5(a)(10) charges $10 for each individual Form I-71 cancelling or nonrenewing an agent appointment, per appointment and per insurer, and the examination vendor repeats the figure. Arkansas Insurance Department $10.00
Examination fee, producer line Paid to the examination vendor by credit card at the time of registration, nonrefundable and nontransferable, and valid for one year from the date of payment. Length varies rather than price: two and a half hours for Life, Health and Title, three and a half for Property/Casualty and Personal Lines, two for Surplus Lines and an hour and a half for Crop Hail. PSI Services LLC $50.00
Examination fee, adjuster line An hour and a half for each of the four adjuster papers, and any three of the four may be sat in one session. Ten dollars less than every producer paper. PSI Services LLC $40.00
Examination fee, HMO agent Rule 35 Section 7(a)(1) charges $30 to the Commissioner before a resident individual is examined, and $30 again to retake. It is the only Arkansas examination fee that goes to the Department rather than to the vendor, and it is not on the vendor's own table of eleven papers. Arkansas Insurance Department $30.00
Pharmacy benefits manager license application Non-refundable, by check or online payment, on the Department's 2025 application form. It is the largest figure on the Arkansas schedule by a factor of nineteen, and it ties Alaska behind Massachusetts at $25,000 and New York at $24,000, all three of them pharmacy benefits manager licenses. The application also asks for a cash surety bond of $1,000,000 from a corporate surety, which is not a fee and is not totalled here. Arkansas Insurance Department $20,000.00

Every amount above was read at its own source on 2026-08-20. Exam and fingerprint charges go to a vendor, not to the Department, and say so.

Approved courses

Arkansas approves the course provider and the instructor, and reviews the quality of the instruction itself: the rule gives the Department a mechanism to examine and review how a provider performs, and approval can be withdrawn for breaking it. The Department's licensing page sends applicants to State Based Systems to look up providers and courses, and an Arkansas pre-licensing search there returns 74 approved courses from 16 providers, grouped by the eight lines that require one and carrying an hour count and a delivery method on every row. State Based Systems has now moved twice: statebasedsystems.com answered 404 and 403 on 2026-08-20, and the sbs.naic.org per-state page that replaced it answered 404 on 2026-08-22, with sbs.naic.org's own root redirecting behind an NAIC login. This link is the Department's own page rather than the vendor's, because the Department's page is what has stayed put through three vendor moves and it is the page that carries the current look-up link. You can search it at the Department .