Arkansas License Requirements
Arkansas Insurance License Requirements (2026)
Everything you need to know to get and keep your Arkansas insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Arkansas Insurance License Requirements at a Glance
Key facts for getting and maintaining your Arkansas insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Arkansas |
| Prelicensing Hours (Life) | 20 hours |
| Prelicensing Hours (Health) | 20 hours |
| Prelicensing Hours (Life & Health Combined) | 40 hours |
| Exam Provider | PSI Services LLC |
| Exam Fee | $50 |
| Passing Score | 70% |
| Application Fee | $15 |
| Background Check Cost | $24 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Last day of birth month (every 2 years) |
| License Duration | 2 years |
| Special Training Required | Yes (see below) |
| Total Cost Estimate | $200-300 |
| Total Licensing Time | Approximately 3-4 weeks from start to finish |
Not a Arkansas resident? Producers licensed in another state can also be licensed in Arkansas via reciprocity — see our Non-Resident Insurance License guide.
How to Get Your Arkansas Insurance License
Follow these five steps to go from zero to licensed in Arkansas.
Complete Prelicensing Education
Arkansas requires you to complete 40 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse Arkansas Prelicensing Courses →Apply for Your License & Get ATT
Submit your application through NIPR before scheduling your exam The application fee is $15. Processing typically takes 48 hours.
You must receive your Authorization to Test (ATT) before you can schedule your exam.
Apply for Your Arkansas License →Complete Fingerprinting
Fingerprinting required through ark.org background check
Schedule and Pass the State Exam
The Arkansas insurance licensing exam is administered by PSI Services LLC. The exam fee is $50, and you'll need a passing score of 70%. Schedule your exam online after receiving your Authorization to Test (ATT).
Schedule Your Exam with PSI Services LLC →Get Appointed and Start Selling
Once your Arkansas insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Arkansas Insurance Department. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Arkansas Fingerprinting Requirements
Fingerprinting required through ark.org background check
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Special Training Requirements for Arkansas
Arkansas requires additional training for agents selling certain specialty products. These are separate from standard prelicensing hours.
Long-Term Care (LTC) Training
8-hour initial LTC training required before selling long-term care products.
National Flood Insurance Program (NFIP) Training
3-hour National Flood Insurance Program (NFIP) course required.
Annuity Training
4-hour annuity suitability training required before selling annuity products.
Arkansas CE Renewal Requirements
To keep your Arkansas insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Last day of birth month (every 2 years)
Renewal Deadline
$75
CE Package Price
AID
Regulatory Body
Arkansas Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Arkansas.
Insurance Code
Arkansas Code Annotated, Title 23, Subtitle 3 – InsuranceView Statute
Prelicensing Education
Ark. Code Ann. § 23-64-202(b)(2)(A)(iv)
Examination Requirements
Ark. Code 23-64-205
Age Requirements
ACA § 23-64-506(a)(1)
Background Check
Ark. Code Ann. Sec. 23-64-506(c); Sec. 23-66-513(a)(1)(A)
Fingerprinting
AID administrative requirement (no statute)
License Application
Ark. Code Ann. § 23-64-506
CE Requirements
Ark. Code Ann. 23-64-304
CE Ethics
Ark. Admin. Code 054.00.10-001
Administrative Code
Agency 054 - Arkansas Insurance DepartmentView Statute
Provider Regulation
Arkansas Insurance Department Rule 50 (054.00.06 Ark. Code R.)
Arkansas Insurance License Requirements — FAQs
How long does it take to get an Arkansas insurance license?
Most candidates complete the Arkansas insurance licensing process in Approximately 3-4 weeks from start to finish. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Arkansas?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Arkansas?
Fingerprinting required through ark.org background check
Can I transfer my insurance license from another state to Arkansas?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam or pre-licensing education is required.
How much does an Arkansas insurance license cost?
The total cost to get your Arkansas insurance license typically falls in the $200-300 range. This includes: prelicensing course fees, the exam fee ($50), the state application fee ($15), and the background check cost ($24). Individual costs vary based on the line of authority you choose.
What are the Arkansas CE requirements?
Arkansas requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Renewal deadline: Last day of birth month (every 2 years). JustInsurance offers state-approved CE packages starting at $75.
Why does Arkansas require you to apply before scheduling the insurance exam?
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.
What are the prelicensing hour requirements in Arkansas?
Arkansas requires 20 hours for Life, 20 hours for Health, and 40 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Related Arkansas Licensing Guides
Sources & Regulators
Information on this page is sourced from the Arkansas insurance regulator and state statutes. Check the links below for the most current regulations directly from the source.
Primary Sources
Regulatory Citations
- Prelicensing: Ark. Code §23-64-202
- CE: Ark. Code Ann. 23-64-304
- CE Ethics: Ark. Admin. Code 054.00.10-001
Explore More Arkansas Resources
Dive deeper into Arkansas licensing, exam prep, and CE renewal.
Overview
Arkansas Insurance License Hub
Overview of prelicensing, CE, and exam requirements in Arkansas.
Practice
Arkansas Practice Exam
Free practice questions modeled on the Arkansas state licensing exam.
Prelicensing
Arkansas Prelicensing Courses
All state-approved prelicensing course options for Arkansas.
Life
Arkansas Life Insurance Prelicensing
Prelicensing course for the Life-only license in Arkansas.
Health
Arkansas Health Insurance Prelicensing
Prelicensing course for the Health-only license in Arkansas.
L&H
Arkansas Life & Health Prelicensing
Combined Life & Health prelicensing course for Arkansas.
CE
Arkansas Continuing Education
CE course catalog for Arkansas license renewal.
CE Life
Arkansas Life CE Renewal
CE hours for Arkansas Life license renewal.
CE Health
Arkansas Health CE Renewal
CE hours for Arkansas Health license renewal.
CE L&H
Arkansas Life & Health CE Renewal
Combined Life & Health CE for Arkansas license renewal.
Last updated: March 2026
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