Get Your Arkansas Insurance License Online

Getting your Arkansas insurance license involves four steps. First, complete a state-approved prelicensing course (40 hours for the combined Life & Health line). Second, pass the Arkansas state licensing exam administered by PSI Services LLC — you need a score of at least 70% to pass. Third, complete a background check, including fingerprinting. Fourth, Submit your application through NIPR before scheduling your exam and pay the Arkansas Insurance Department application fee of $15. Most candidates complete the entire process in Approximately 3-4 weeks from start to finish. JustInsurance offers fully online, self-paced prelicensing courses approved for Arkansas that get you to exam day confident and prepared.

The total cost to get your Arkansas insurance license typically runs $200-300. Here is how it breaks down: the PSI Services LLC exam fee is $50, the Arkansas Insurance Department application fee is $15, and a background check adds a small additional cost. If you need a prelicensing course, JustInsurance's Arkansas combined Life & Health package is $199 — that's $199 less than purchasing Life and Health courses separately. Everything you need to get licensed, with no hidden fees.

Most focused candidates complete the Arkansas insurance licensing process in Approximately 3-4 weeks from start to finish. That timeframe covers finishing your prelicensing course (you get 30 days of access; most students finish in 5–10 days), scheduling and passing the PSI Services LLC state exam, clearing your background check, and waiting for the Arkansas Insurance Department to process your application. The PSI Services LLC exam delivers results quickly — most candidates receive their score before leaving the testing center. JustInsurance's self-paced format lets you move as fast or as steady as your schedule allows.

JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The Arkansas exam is administered by PSI Services LLC and requires a minimum score of 70% to pass. If you do not pass on your first attempt, you can retake it after scheduling your next available test date for your first and second retakes, but a 4-week mandatory waiting period applies after every third consecutive failure. You must pass the exam within 90 days of your Authorization to Test and may take the exam up to 3 times within that 90-day period. After 3 failures or when the 90-day window expires, you must repeat the entire application process. See our full pass rate methodology at /pass-rates.

Insurance agents in Arkansas earn an average of $72,260 per year according to Bureau of Labor Statistics data. New agents starting out typically earn around $29,950 in their first year while building a client base, and top producers in Arkansas can earn $128,780 or more annually. Demand for new insurance producers remains steady in Arkansas. Income is heavily influenced by the lines of authority you hold and whether you work as a captive or independent agent — the combined Life & Health license unlocks the broadest product range and highest earning potential.

Arkansas is one of a handful of states that requires you to submit your license application through NIPR and receive an Authorization to Test (ATT) before you can schedule your state exam with PSI. This process typically takes up to 48 hours. Once you receive your ATT, you have 90 days and up to 3 attempts to pass. If you don't pass within that window, you must restart the application process.