Arizona Insurance Continuing Education (CE) Courses

Arizona requires 48 hours of continuing education (CE) every 4 years to maintain an active insurance producer license. Of those 48 hours, 6 must specifically cover ethics and professional conduct — this is a mandatory component, not optional. All CE must be completed through a Arizona Department of Insurance and Financial Institutions-approved provider before your license renewal deadline. JustInsurance is an approved provider and offers a complete 48-hour CE package for $111, including the required ethics hours.

JustInsurance offers a complete Arizona CE package — covering all 48 required hours including the 6-hour ethics requirement — for $111. This is a flat-fee bundle with no per-course upsells or surprise charges. Individual CE courses are also available for agents who need only specific topics to round out their renewal hours. Every purchase includes immediate online access, self-paced completion, and automatic CE credit reporting to the Arizona Department of Insurance and Financial Institutions on your behalf.

Yes. Arizona approves online CE courses, and JustInsurance provides a full catalog of self-paced courses that meet all Arizona Department of Insurance and Financial Institutions requirements. You can study on any device, pause and resume whenever you need to, and complete your 48-hour requirement in a single sitting or spread across multiple sessions. Once you finish each course, JustInsurance reports your completion electronically to the Arizona Department of Insurance and Financial Institutions — you do not need to mail certificates or manually update your license record.

Your license expires, you must stop transacting insurance, and you owe a $100 late fee plus renewal fee to reinstate. Specifically in Arizona: the grace period is None — license expires; business must stop, the late fee is $100 late renewal fee, and reinstatement runs $100 late renewal fee plus standard renewal fee with a window of Typically up to 1 year; otherwise full relicensing. A lapsed license also interrupts your commission flow and can trigger carrier appointment reviews. JustInsurance makes it easy to finish your hours well before your deadline — the entire $111 package can be completed in a single day if needed.

If your Arizona insurance license has lapsed, you typically have Typically up to 1 year; otherwise full relicensing to reinstate it before you must re-apply as a new licensee. Reinstatement in Arizona runs $100 late renewal fee plus standard renewal fee, and you must complete any outstanding CE hours from the lapsed period before the Arizona Department of Insurance and Financial Institutions will process your reinstatement. The sooner you act, the simpler the process — waiting too long can mean retaking prelicensing education and the state exam from scratch. JustInsurance courses report electronically to the Arizona Department of Insurance and Financial Institutions, so once your hours are complete your reinstatement moves fast.

Carry-forward policy in Arizona: No — carry-forward not permitted (48 hrs required every 4 years). Carry-forward rules matter if you finish your required hours early in the cycle — in some states, the extra hours apply to your next renewal period, while in others any excess is simply lost. Ethics hours often have separate, stricter carry-forward rules than general CE hours, so even if general hours roll over, you typically need a fresh ethics course each cycle. For the current official carry-forward policy, always verify with the Arizona Department of Insurance and Financial Institutions, which is the authoritative source of truth for your CE account.

Yes. Arizona mandates that 6 of your 48 required CE hours specifically cover ethics and professional conduct. This is not optional — you must satisfy the ethics component separately from general CE hours, and the Arizona Department of Insurance and Financial Institutions tracks it independently. Failing to complete the ethics hours is treated the same as failing to complete your total CE requirement. JustInsurance's $111 CE package includes a fully approved 6-hour ethics course, so your entire renewal requirement is covered in one purchase.