How to Get Your Arizona Insurance Producer License

Getting your Arizona insurance producer license opens doors to one of the fastest-growing insurance markets in the country. Phoenix's substantial financial services, healthcare, and technology sectors, Tucson's growing professional markets, Arizona's distinctive retiree and snowbird population creating significant senior insurance demand, and one of the largest net population in-migration rates in the nation all create real opportunity for licensed agents. Arizona's licensing process has several features worth understanding upfront — no prelicense education requirement, a two-section exam where each section must independently hit 70%, a four-attempt annual exam limit, and a multi-step fingerprinting process through Fieldprint.

Here's exactly how to get your Arizona insurance producer license.

Step 1: Meet the Basic Eligibility Requirements

Before starting, confirm you meet Arizona's baseline requirements:

You must be at least 18 years old

You must have a Social Security Number (SSN) or Federal Employer Identification Number (FEIN)

You must be a legal resident of Arizona (for resident license)

You must be able to pass an electronic fingerprint background check

You must submit Form L-152 (Lawful Presence — A.R.S. § 41-1080) with required identification (unless fingerprints are submitted electronically, which satisfies this requirement)

You must truthfully complete the license application and disclose any relevant history

These requirements are governed under Arizona Revised Statutes (A.R.S.) Title 20 and administered by the Arizona Department of Insurance and Financial Institutions (DIFI).

Step 2: Pre-Licensing Education (NOT Required)

Arizona does not require prelicense education. Candidates can proceed directly to the state exam without completing a formal PLE course.

However, exam preparation is strongly recommended:

Arizona's two-section exam requires 70% on each section independently

The Arizona-specific section covers A.R.S. Title 20 provisions that need focused study

Arizona limits candidates to four exam attempts per line per year — failing four times means waiting a full year from the last attempt

Quality prelicense prep courses substantially improve first-attempt pass rates

Most successful Arizona candidates complete a prep course even though it's not legally required.

Step 3: Schedule and Take Your State Exam Through PSI

Arizona insurance licensing exams are administered by PSI Services — which replaced the previous exam vendor effective September 1, 2025.

PSI Arizona contact:

Website: test-takers.psiexams.com/anzins

Phone: (877) 215-7924

Pay exam fee at registration

Testing options:

In-person: PSI testing centers throughout Arizona

Remote (online): PSI Bridge remote proctored testing platform — remote testing is available in Arizona (unlike Michigan, which discontinued remote testing)

Cancel or change: Contact PSI at least 48 hours in advance or forfeit the exam fee.

Arizona Exam Structure

Arizona issues exams for each line of authority separately, with combined options available:

The critical Arizona scoring rule: Every Arizona exam has two distinct sections — General Knowledge and Arizona State Law. Both sections must independently score 70% or higher. The scores are NOT averaged.

Example: Scoring 85% on the General section but 65% on the Arizona State section = FAIL. You must retake both sections.

This two-section independent scoring requirement is one of Arizona's most distinctive exam features and the most common source of avoidable failures.

Exam validity: Once passed, you must apply for your license within one year of passing.

Retake limit: Arizona limits candidates to four attempts per line of authority within a one-year period (A.R.S. § 20-284). After four failed attempts, you must wait one full year from the date of your last attempt before retesting on that line.

Results: Displayed on screen immediately after completing the exam. A printed score report is provided. If you fail one or more sections, a separate numeric score is reported for each failed section.

Step 4: Complete Fingerprinting Through Fieldprint (After Passing Exam)

Important: Do not schedule fingerprinting until after you have passed your exam. All fingerprint fees are non-refundable.

Arizona requires electronic fingerprinting through a distinctive multi-step process:

Step 1: Create an account on the Arizona DPS (Department of Public Safety) Public Services Portal.

Step 2: Create an account on Fieldprint (Arizona's approved fingerprint vendor).

Step 3: Schedule and complete your fingerprint appointment with Fieldprint.

Fieldprint fee: approximately $20 for fingerprinting

Additional $22 FBI fingerprint processing fee (total ~$42 for fingerprinting)

Step 4: After your appointment, Fieldprint provides a reference number beginning with "A" — save this number.

Step 5: Complete and mail Form L-FPV (Fingerprint Verification Form) to DIFI along with your Fieldprint reference number.

Do not submit through a generic IdentoGO page without a DIFI-specific service code — prints submitted without the proper DIFI coding will not reach the correct queue

Fingerprinting applies to:

Arizona residents without an existing print-required license

Producers relocating to Arizona

Residents of states that don't issue the specific license type

Step 5: Apply for Your License Through NIPR

After passing your exam and completing fingerprinting, apply through NIPR:

Go to: nipr.com and select "Apply for a New License"

Application fee: $120 non-refundable license fee + $5.60 transaction fee = ~$125.60

Complete: Employment history, background disclosure questions, identification information

Submit: Form L-152 (Lawful Presence) if fingerprints were not submitted electronically

Low income fee waiver: Applicants with family income at or below 200% of the federal poverty level may qualify to have the license fee waived. See Form L-WAV on the DIFI website.

Military/veteran fee exemptions: Active military spouses and veterans honorably discharged within two years may have fee exemptions.

P.O. boxes are not accepted as resident or business addresses in Arizona.

Step 6: DIFI Reviews and Issues Your License

After DIFI receives your complete application, exam results, and fingerprint background check, your license is reviewed and issued. Processing time varies but clean applications are typically processed within a few business days.

Arizona License Lines of Authority

Common Arizona insurance producer license types include:

Life — life insurance products

Accident & Health or Sickness — health, disability, long-term care

Property — property insurance coverage

Casualty — liability and related coverage

Personal Lines — limited P&C for personal (non-commercial) coverage

Variable Life and Variable Annuity — variable products (requires valid FINRA CRD number)

Title — title insurance

Various Limited Lines — specific limited products

Variable products note: Variable life and variable annuity producers need a valid FINRA CRD number on their application — separate securities licensing requirement.

License Renewal and CE

Renewal: Every 2 years (biennial) — but effective HB 2054 (June 2025), the renewal date for all Arizona license types was standardized to December 31 each year.

Renewal fee: $120 per license class, processed through NIPR.

CE: Arizona has a 4-year CE cycle with 48 hours required — one of Arizona's most distinctive features. Most states use 2-year cycles; Arizona's 4-year cycle with 48 hours means approximately 12 hours per year on average. Within the 48 hours, 6 hours must be Ethics.

CE carryover: NOT allowed — excess CE hours cannot be carried over to the next period.

Non-Resident and Relocating Producer Paths

Non-resident licensing: Non-residents in good standing in their home state are exempt from Arizona's exam requirement. Apply through NIPR; DIFI verifies home state license status.

Relocating producers (moving TO Arizona): If you held a resident license in another state for the same line of authority Arizona offers, you are exempt from the exam requirement. Complete fingerprinting and apply within 90 days of receiving clearance from your prior state.

Relocating producers (moving FROM Arizona): Complete Form L-CLR (Request for Letter of Clearance) and email to DIFI. New state application must be completed within 90 days of receiving clearance. If you want to retain an Arizona non-resident license, email a copy of your new resident license to DIFI within 30 days of receiving it.

DIFI Contact Information

Arizona Department of Insurance and Financial Institutions (DIFI)

Address: 100 North 15th Avenue, Suite 261, Phoenix, AZ 85007-2630

Phone: 602-364-3100

Licensing email: [email protected]

Website: difi.az.gov

Total Cost Summary

Single line (e.g., Life only):

Exam: $59

Fingerprinting: ~$42

Application: ~$125.60

Total: ~$226.60

Combined L&H or Combined P&C:

Exam: $59

Fingerprinting: ~$42 (one-time)

Application: ~$125.60

Total: ~$226.60

Arizona's costs are moderate nationally — higher than Michigan (~$97) but reflecting the fingerprint processing and higher license fee.

5 Frequently Asked Questions

• Does Arizona require prelicense education? No. Arizona has no formal prelicense education requirement. However, given the 4-attempt annual exam limit and the two-section independent scoring requirement (70% each), quality exam preparation is strongly recommended.
• How does Arizona's two-section scoring work? Both the General Knowledge section and the Arizona State Law section must independently score 70% or higher. The scores are NOT averaged. A strong General score cannot compensate for a failing State section.
• When do I get fingerprinted in Arizona? After passing your exam — not before. All fingerprint fees are non-refundable, so DIFI recommends completing fingerprinting only after you've passed. Then complete the multi-step Fieldprint/AZ DPS process and mail Form L-FPV to DIFI with your Fieldprint reference number.
• How many times can I attempt the Arizona exam? Four attempts per line of authority within a one-year period. After four failed attempts, you must wait one full year from the date of the last attempt before retesting on that line (A.R.S. § 20-284).
• What's the application fee for an Arizona producer license? $120 non-refundable license fee plus $5.60 transaction fee through NIPR. If fingerprints are required, an additional $22 FBI processing fee is incorporated into the application costs. Low-income applicants may qualify for a fee waiver (Form L-WAV).

Start Your Arizona Insurance Career Right

Arizona's no-PLE requirement makes entry accessible, but quality preparation is essential given the 4-attempt annual limit and two-section independent scoring. At JustInsurance, our Arizona exam prep course is designed around Arizona's distinctive exam structure, including the state law section that determines so many outcomes.

Enroll today and take your first step toward an Arizona insurance producer license.