Arizona Personal Lines Insurance — Requirements & Free Practice
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Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.
Nonresident Insurance Producer License — Personal Lines
Personal lines authority covers property and casualty insurance sold to individuals and families for primarily noncommercial purposes. Individual and business-entity applicant pathways are distinguished in the routes.
Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information
Reissuance after revocation (nonresident entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
- Restoration
- Wait at least one year after revocation and again meet applicable title requirements.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-296
A.R.S. § 20-296; A. The director shall not
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
New licensure after voluntary surrender (nonresident entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Board Surrender Instruction
- DIFI states: "If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year." A.R.S. § 20-289(F) states new-applicant qualification; the Board instruction remains a condition.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
- Restoration
- Again meet new-applicant licensing qualifications under § 20-289(F).
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; F. On the written request
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
- DIFI Insurance Professionals
Producer (Agent/Broker), License Expiration vs. License Surrender
New licensure after more than one year of expiration (nonresident entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
- Restoration
- Application after the one-year renewal period is a new application.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
Late renewal within one year (nonresident entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Examination Exemption
- Same non-temporary license and personal-lines authority held within the preceding twelve months are exempt from examination under § 20-288(B)(2).
- Late Renewal
- File within one year after expiration and pay the quadrennial fee plus $100 late renewal fee. Stop insurance business while expired.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 20-288
A.R.S. § 20-288; B. The following applicants
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
Nonresident business entity licensure by reciprocity
- Applicant
- Business entity; no examination is required of the entity.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
Conversion from resident to nonresident license after relocation
- Applicant
- Former Arizona resident business entity producer relocating the home state.
- Board Instructions
- DIFI requests completing the new resident application within 90 days of clearance and emailing the new resident license within 30 days of receipt.
- Continuity
- File a change-of-address form within 30 days after requesting clearance, apply for the new resident license, then immediately notify DIFI of that license. No Arizona application or fee is required under § 20-287(B).
- Examination
- Qualifying nonresident licensing is exempt under § 20-288(B)(4).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-287
A.R.S. § 20-287; B. To remain
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- DIFI Insurance Professionals
General Information, Relocating to Another State from Arizona
Timely renewal (nonresident entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; C. The director may renew
- A.R.S. § 20-288
A.R.S. § 20-288; 1. An applicant for timely renewal of a license.
- A.R.S. § 20-289
A.R.S. § 20-289; B. A license that is issued
- A.R.S. § 20-289
A.R.S. § 20-289; D. Before renewing
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
Reissuance after revocation (nonresident individual)
- Age
- DIFI specifies that individual producer applicants must be at least 18.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Lawful Presence
- A.R.S. § 41-1080(B)(2) exempts a nonresident holding an equivalent license who seeks Arizona licensing for compliance rather than residency.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
- Restoration
- Wait at least one year after revocation and again meet applicable title requirements.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-296
A.R.S. § 20-296; A. The director shall not
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
New licensure after voluntary surrender (nonresident individual)
- Age
- DIFI specifies that individual producer applicants must be at least 18.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Board Surrender Instruction
- DIFI states: "If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year." A.R.S. § 20-289(F) states new-applicant qualification; the Board instruction remains a condition.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Lawful Presence
- A.R.S. § 41-1080(B)(2) exempts a nonresident holding an equivalent license who seeks Arizona licensing for compliance rather than residency.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
- Restoration
- Again meet new-applicant licensing qualifications under § 20-289(F).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; F. On the written request
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
- DIFI Insurance Professionals
Producer (Agent/Broker), License Expiration vs. License Surrender
New licensure after more than one year of expiration (nonresident individual)
- Age
- DIFI specifies that individual producer applicants must be at least 18.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Lawful Presence
- A.R.S. § 41-1080(B)(2) exempts a nonresident holding an equivalent license who seeks Arizona licensing for compliance rather than residency.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
- Restoration
- Application after the one-year renewal period is a new application.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
Late renewal within one year (nonresident individual)
- Applicant
- Individual licensee.
- Continuing Education
- Home-state CE proof satisfies Arizona requirements on a reciprocal basis under § 20-300(B). Where reciprocal credit recognition or home-state CE is absent, § 20-2902(H)-(J) supplies the applicable alternative Arizona requirements.
- Continuing Education Exemption
- The § 20-2902(B) grandfather exemption applies only while all three conditions continue: continuously Arizona-licensed since January 1, 1995; never held a nonresident producer license elsewhere since that date; no specified disciplinary order.
- Continuing Education Records
- Keep the required CE records until the second renewal date after the period for which credit was earned.
- Examination Exemption
- Same non-temporary license and personal-lines authority held within the preceding twelve months are exempt from examination under § 20-288(B)(2).
- Late Renewal
- File within one year after expiration and pay the quadrennial fee plus $100 late renewal fee. Stop insurance business while expired.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents and fingerprints under § 20-289(D).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 20-288
A.R.S. § 20-288; B. The following applicants
- A.R.S. § 20-2902
A.R.S. § 20-2902; H. Except as provided
- A.R.S. § 20-300
A.R.S. § 20-300; B. A nonresident insurance producer
Renewal and reactivation of nonresident producer after inactive military service status
- Applicant
- Individual nonresident personal-lines producer placed inactive for active military service.
- Continuing Education
- Apply home-state CE reciprocity under § 20-300(B), or the alternatives in § 20-2902(H)-(J).
- Extended Renewal
- Renewal/CE deadlines are extended by active-service days with armed-forces documentation; routine reservist duty is excluded.
- Home State
- Continue to satisfy the home-state licensing and reciprocal renewal conditions.
- Inactive Status
- No selling, soliciting or negotiating during inactive status.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289.01
A.R.S. § 20-289.01; A. A licensee or applicant
- A.R.S. § 20-289.01
A.R.S. § 20-289.01; E. For the purposes
- A.R.S. § 20-288
A.R.S. § 20-288; 1. An applicant for timely renewal of a license.
- A.R.S. § 20-289
A.R.S. § 20-289; C. The director may renew
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-2902
A.R.S. § 20-2902; H. Except as provided
- A.R.S. § 20-300
A.R.S. § 20-300; B. A nonresident insurance producer
Nonresident individual licensure by reciprocity
- Age
- DIFI specifies that individual producer applicants must be at least 18.
- Application
- Submit the proper request and fees with the home-state producer application or completed NAIC uniform application.
- Authority
- Personal-lines authority requested must match the qualifying home-state license.
- Exam Exemption
- § 20-288(B)(4) and § 20-300(A) waive examination for a qualifying reciprocal nonresident applicant.
- Home State
- Currently resident-licensed for personal lines in good standing in the home state.
- Lawful Presence
- A.R.S. § 41-1080(B)(2) exempts a nonresident holding an equivalent license who seeks Arizona licensing for compliance rather than residency.
- Reciprocity
- Home state must issue nonresident producer licenses to Arizona residents on the same basis.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 41-1080
A.R.S. § 41-1080(B)(2), equivalent-license nonresident exception
- A.R.S. § 20-287
A.R.S. § 20-287; A. Unless the director
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- A.R.S. § 20-300
A.R.S. § 20-300; A. The director shall waive
- DIFI Insurance Professionals
Producer (Agent/Broker), Individual License Application, age
Conversion from resident to nonresident license after relocation
- Applicant
- Former Arizona resident individual producer relocating the home state.
- Board Instructions
- DIFI requests completing the new resident application within 90 days of clearance and emailing the new resident license within 30 days of receipt.
- Continuity
- File a change-of-address form within 30 days after requesting clearance, apply for the new resident license, then immediately notify DIFI of that license. No Arizona application or fee is required under § 20-287(B).
- Examination
- Qualifying nonresident licensing is exempt under § 20-288(B)(4).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-287
A.R.S. § 20-287; B. To remain
- A.R.S. § 20-288
A.R.S. § 20-288; 4. An applicant for a license as a nonresident insurance producer
- DIFI Insurance Professionals
General Information, Relocating to Another State from Arizona
Timely renewal (nonresident individual)
- Applicant
- Individual licensee.
- Continuing Education
- Home-state CE proof satisfies Arizona requirements on a reciprocal basis under § 20-300(B). Where reciprocal credit recognition or home-state CE is absent, § 20-2902(H)-(J) supplies the applicable alternative Arizona requirements.
- Continuing Education Exemption
- The § 20-2902(B) grandfather exemption applies only while all three conditions continue: continuously Arizona-licensed since January 1, 1995; never held a nonresident producer license elsewhere since that date; no specified disciplinary order.
- Continuing Education Records
- Keep the required CE records until the second renewal date after the period for which credit was earned.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents and fingerprints under § 20-289(D).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; C. The director may renew
- A.R.S. § 20-288
A.R.S. § 20-288; 1. An applicant for timely renewal of a license.
- A.R.S. § 20-289
A.R.S. § 20-289; B. A license that is issued
- A.R.S. § 20-289
A.R.S. § 20-289; D. Before renewing
- A.R.S. § 20-2902
A.R.S. § 20-2902; H. Except as provided
- A.R.S. § 20-300
A.R.S. § 20-300; B. A nonresident insurance producer
Resident Insurance Producer License — Personal Lines
Personal lines authority covers property and casualty insurance sold to individuals and families for primarily noncommercial purposes. Individual and business-entity applicant pathways are distinguished in the routes.
Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information
Resident individual licensure with a current same line license elsewhere
- Applicant
- Individual whose home state is Arizona; at least 18 years old.
- Application
- Submit a true, correct and complete application with required identity, history, business record and experience information.
- Assumed Name
- Notify DIFI before using an assumed business name; a trade-name license may be issued only to a business entity with lawful registration.
- Eligibility
- Must not have committed grounds for denial under A.R.S. § 20-295.
- Fee
- DIFI lists a $120 nonrefundable application fee and applicable fingerprint charges; low-income applicants may request Form L-WAV fee waiver.
- Fingerprints
- DIFI requires fingerprints for an Arizona resident without an existing fingerprint-required license and for a person relocating to Arizona.
- Lawful Presence
- DIFI requires Form L-152 and acceptable identification from a new Arizona resident applicant, unless fingerprints were submitted electronically.
- Prior License
- Previously licensed for personal lines elsewhere and currently licensed there; A.R.S. § 20-288(A)(1) expressly exempts examination.
- Residency
- On becoming an Arizona resident and continuing insurance business, apply for resident licensing within 90 days under § 20-285(F).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-288
A.R.S. § 20-288; A. An individual
- A.R.S. § 20-285
A.R.S. § 20-285; B. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; F. A nonresident person
Reissuance after revocation (resident business entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Restoration
- No reissuance until one year after revocation; then again qualify under the applicable title provisions.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-296
A.R.S. § 20-296; A. The director shall not
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
New licensure after voluntary surrender (resident business entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Board Surrender Instruction
- DIFI states: "If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year." A.R.S. § 20-289(F) states new-applicant qualification; the Board instruction remains a condition.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Restoration
- Meet the requirements applicable to a person who has not previously held that authority or license.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; F. On the written request
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
- DIFI Insurance Professionals
Producer (Agent/Broker), License Expiration vs. License Surrender
New licensure after more than one year of expiration (resident business entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Restoration
- An application received after the one-year late-renewal period is a new application.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
Resident business entity initial licensure
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-285
A.R.S. § 20-285; C. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; E. Before the director
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
- A.R.S. § 20-290
A.R.S. § 20-290; B. A business entity insurance producer shall have at least one i
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- DIFI Insurance Professionals
Producer (Agent/Broker), Business Entity License Application
- A.R.S. § 20-297
A.R.S. § 20-297; D. The director shall not issue any license in a trade name excep
Late renewal within one year (resident entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Examination Exemption
- Same non-temporary license and personal-lines authority held within the preceding twelve months are exempt from examination under § 20-288(B)(2).
- Late Renewal
- File within one year after expiration and pay the quadrennial fee plus $100 late renewal fee. Stop insurance business while expired.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 20-288
A.R.S. § 20-288; B. The following applicants
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, entity and nonresident examination applicability
Timely renewal (resident entity)
- Applicant
- Business entity; no examination is required of the entity.
- Application And Fee
- Apply through NIPR; DIFI lists a $120 nonrefundable fee.
- Assumed Name
- File Form L-193 before using another name; a trade-name license requires proof of lawful registration.
- Continuing Education
- A.R.S. § 20-2901(9) excludes business entities from the continuing-education licensee definition.
- Designated Producer
- Designate an individually licensed producer responsible for compliance; identify all members, officers and directors.
- Office Staffing
- Each Arizona insurance office must have at least one individually licensed producer for the appropriate lines.
- Organization
- Insurance transactions must be within its partnership agreement, articles of incorporation or other charter.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents, history information or fingerprints as authorized in A.R.S. § 20-285(D)-(E).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; C. The director may renew
- A.R.S. § 20-288
A.R.S. § 20-288; 1. An applicant for timely renewal of a license.
- A.R.S. § 20-289
A.R.S. § 20-289; B. A license that is issued
- A.R.S. § 20-289
A.R.S. § 20-289; D. Before renewing
- A.R.S. § 20-2901
A.R.S. § 20-2901; 9. "Licensee" means an individual insurance producer licensed for
Reissuance after revocation (resident individual)
- Applicant
- Individual whose home state is Arizona; at least 18 years old.
- Application
- Submit a true, correct and complete application with required identity, history, business record and experience information.
- Assumed Name
- Notify DIFI before using an assumed business name; a trade-name license may be issued only to a business entity with lawful registration.
- Attempt Limit
- At most four attempts per line of authority in twelve months. After four failures, wait one year before another attempt.
- Eligibility
- Must not have committed grounds for denial under A.R.S. § 20-295.
- Exemptions
- Statutory § 20-288 examination exemptions remain applicant-specific where applicable.
- Existing Authority
- An applicant may not take an examination for a line already held in Arizona.
- Fee
- DIFI lists a $120 nonrefundable application fee and applicable fingerprint charges; low-income applicants may request Form L-WAV fee waiver.
- Fingerprints
- DIFI requires fingerprints for an Arizona resident without an existing fingerprint-required license and for a person relocating to Arizona.
- Lawful Presence
- DIFI requires Form L-152 and acceptable identification from a new Arizona resident applicant, unless fingerprints were submitted electronically.
- Military Score Extension
- If called to active military service after passing, the one-year period is extended by active-service days up to a total of one and one-half years; provide armed-forces documentation; routine reservist service is excluded.
- Oral Supplement
- A.R.S. § 20-284(D) permits a discretionary oral supplement; it identifies no separate examination, so it is an applicant condition.
- Passing Score Age
- Pass Series 13-44 within the year preceding receipt of the application.
- Restoration
- No reissuance until one year after revocation; then again qualify under the applicable title provisions.
New licensure after voluntary surrender (resident individual)
- Applicant
- Individual whose home state is Arizona; at least 18 years old.
- Application
- Submit a true, correct and complete application with required identity, history, business record and experience information.
- Assumed Name
- Notify DIFI before using an assumed business name; a trade-name license may be issued only to a business entity with lawful registration.
- Attempt Limit
- At most four attempts per line of authority in twelve months. After four failures, wait one year before another attempt.
- Board Surrender Instruction
- DIFI additionally states: "If you surrender a license or line of authority, you will not be able to reapply for that exact authority for at least one year." This implementing instruction is retained for applicants; § 20-289(F) itself states new-applicant qualification.
- Eligibility
- Must not have committed grounds for denial under A.R.S. § 20-295.
- Exemptions
- Statutory § 20-288 examination exemptions remain applicant-specific where applicable.
- Existing Authority
- An applicant may not take an examination for a line already held in Arizona.
- Fee
- DIFI lists a $120 nonrefundable application fee and applicable fingerprint charges; low-income applicants may request Form L-WAV fee waiver.
- Fingerprints
- DIFI requires fingerprints for an Arizona resident without an existing fingerprint-required license and for a person relocating to Arizona.
- Lawful Presence
- DIFI requires Form L-152 and acceptable identification from a new Arizona resident applicant, unless fingerprints were submitted electronically.
- Military Score Extension
- If called to active military service after passing, the one-year period is extended by active-service days up to a total of one and one-half years; provide armed-forces documentation; routine reservist service is excluded.
- Oral Supplement
- A.R.S. § 20-284(D) permits a discretionary oral supplement; it identifies no separate examination, so it is an applicant condition.
- Passing Score Age
- Pass Series 13-44 within the year preceding receipt of the application.
- Restoration
- Meet the requirements applicable to a person who has not previously held that authority or license.
Resident individual initial licensure by examination
- Applicant
- Individual whose home state is Arizona; at least 18 years old.
- Application
- Submit a true, correct and complete application with required identity, history, business record and experience information.
- Assumed Name
- Notify DIFI before using an assumed business name; a trade-name license may be issued only to a business entity with lawful registration.
- Attempt Limit
- At most four attempts per line of authority in twelve months. After four failures, wait one year before another attempt.
- Eligibility
- Must not have committed grounds for denial under A.R.S. § 20-295.
- Existing Authority
- An applicant may not take an examination for a line already held in Arizona.
- Fee
- DIFI lists a $120 nonrefundable application fee and applicable fingerprint charges; low-income applicants may request Form L-WAV fee waiver.
- Fingerprints
- DIFI requires fingerprints for an Arizona resident without an existing fingerprint-required license and for a person relocating to Arizona.
- Lawful Presence
- DIFI requires Form L-152 and acceptable identification from a new Arizona resident applicant, unless fingerprints were submitted electronically.
- Military Score Extension
- If called to active military service after passing, the one-year period is extended by active-service days up to a total of one and one-half years; provide armed-forces documentation; routine reservist service is excluded.
- Oral Supplement
- A.R.S. § 20-284(D) permits a discretionary oral supplement; it identifies no separate examination, so it is an applicant condition.
- Passing Score Age
- Pass Series 13-44 within the year preceding receipt of the application.
New licensure after more than one year of expiration (resident individual)
- Applicant
- Individual whose home state is Arizona; at least 18 years old.
- Application
- Submit a true, correct and complete application with required identity, history, business record and experience information.
- Assumed Name
- Notify DIFI before using an assumed business name; a trade-name license may be issued only to a business entity with lawful registration.
- Attempt Limit
- At most four attempts per line of authority in twelve months. After four failures, wait one year before another attempt.
- Eligibility
- Must not have committed grounds for denial under A.R.S. § 20-295.
- Exemptions
- Statutory § 20-288 examination exemptions remain applicant-specific where applicable.
- Existing Authority
- An applicant may not take an examination for a line already held in Arizona.
- Fee
- DIFI lists a $120 nonrefundable application fee and applicable fingerprint charges; low-income applicants may request Form L-WAV fee waiver.
- Fingerprints
- DIFI requires fingerprints for an Arizona resident without an existing fingerprint-required license and for a person relocating to Arizona.
- Lawful Presence
- DIFI requires Form L-152 and acceptable identification from a new Arizona resident applicant, unless fingerprints were submitted electronically.
- Military Score Extension
- If called to active military service after passing, the one-year period is extended by active-service days up to a total of one and one-half years; provide armed-forces documentation; routine reservist service is excluded.
- Oral Supplement
- A.R.S. § 20-284(D) permits a discretionary oral supplement; it identifies no separate examination, so it is an applicant condition.
- Passing Score Age
- Pass Series 13-44 within the year preceding receipt of the application.
- Restoration
- An application received after the one-year late-renewal period is a new application.
Late renewal within one year (resident individual)
- Applicant
- Individual licensee.
- Continuing Education
- For license periods beginning on or after January 1, 2014, complete 48 approved credit hours including at least six ethics hours; supply evidence before renewal.
- Continuing Education Exemption
- The § 20-2902(B) grandfather exemption applies only while all three conditions continue: continuously Arizona-licensed since January 1, 1995; never held a nonresident producer license elsewhere since that date; no specified disciplinary order.
- Continuing Education Records
- Keep the required CE records until the second renewal date after the period for which credit was earned.
- Examination Exemption
- Same non-temporary license and personal-lines authority held within the preceding twelve months are exempt from examination under § 20-288(B)(2).
- Late Renewal
- File within one year after expiration and pay the quadrennial fee plus $100 late renewal fee. Stop insurance business while expired.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents and fingerprints under § 20-289(D).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 20-288
A.R.S. § 20-288; B. The following applicants
- A.R.S. § 20-2902
A.R.S. § 20-2902; 2. If the license period immediately preceding the renewal commen
- A.R.S. § 20-2902
A.R.S. § 20-2902; B. Subsection A
- A.R.S. § 20-2903
A.R.S. § 20-2903; A. Licensees shall maintain
Renewal and reactivation after inactive military service status
- Applicant
- Individual Arizona resident producer whose license was placed inactive for active military service.
- Continuing Education
- For license periods beginning on or after January 1, 2014, complete 48 approved credit hours including at least six ethics hours; supply evidence before renewal.
- Continuing Education Exemption
- The § 20-2902(B) grandfather exemption applies only while all three conditions continue: continuously Arizona-licensed since January 1, 1995; never held a nonresident producer license elsewhere since that date; no specified disciplinary order.
- Continuing Education Records
- Keep the required CE records until the second renewal date after the period for which credit was earned.
- Extended Renewal
- Renewal-fee and applicable renewal/CE deadlines are extended by active-service days; provide armed-forces documentation; routine reservist duty is excluded.
- Inactive Status
- Send name, license or social-security number, active-service start date and request for inactive status; no selling, soliciting or negotiating during inactive status.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289.01
A.R.S. § 20-289.01; A. A licensee or applicant
- A.R.S. § 20-289.01
A.R.S. § 20-289.01; E. For the purposes
- A.R.S. § 20-288
A.R.S. § 20-288; 1. An applicant for timely renewal of a license.
- A.R.S. § 20-289
A.R.S. § 20-289; C. The director may renew
- A.R.S. § 20-2902
A.R.S. § 20-2902; 2. If the license period immediately preceding the renewal commen
- A.R.S. § 20-2902
A.R.S. § 20-2902; B. Subsection A
Timely renewal (resident individual)
- Applicant
- Individual licensee.
- Continuing Education
- For license periods beginning on or after January 1, 2014, complete 48 approved credit hours including at least six ethics hours; supply evidence before renewal.
- Continuing Education Exemption
- The § 20-2902(B) grandfather exemption applies only while all three conditions continue: continuously Arizona-licensed since January 1, 1995; never held a nonresident producer license elsewhere since that date; no specified disciplinary order.
- Continuing Education Records
- Keep the required CE records until the second renewal date after the period for which credit was earned.
- Renewal
- File the prescribed application, fee and applicable continuing-education evidence on or before expiration.
- Term
- Individual expiration falls on the last day of the birth month, initially three to four years; business-entity renewal is quadrennial.
- Verification
- The director may request documents and fingerprints under § 20-289(D).
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-289
A.R.S. § 20-289; C. The director may renew
- A.R.S. § 20-288
A.R.S. § 20-288; 1. An applicant for timely renewal of a license.
- A.R.S. § 20-289
A.R.S. § 20-289; B. A license that is issued
- A.R.S. § 20-289
A.R.S. § 20-289; D. Before renewing
- A.R.S. § 20-2902
A.R.S. § 20-2902; 2. If the license period immediately preceding the renewal commen
- A.R.S. § 20-2902
A.R.S. § 20-2902; B. Subsection A
- A.R.S. § 20-2903
A.R.S. § 20-2903; A. Licensees shall maintain
Resident individual licensure after recent cancellation of a same line resident license
- Applicant
- Individual whose home state is Arizona; at least 18 years old.
- Application
- Submit a true, correct and complete application with required identity, history, business record and experience information.
- Assumed Name
- Notify DIFI before using an assumed business name; a trade-name license may be issued only to a business entity with lawful registration.
- Clearance
- PSI requests a clearance letter stating dates, lines and good standing, unless DIFI can verify the prior license and inactivation date in the Producer Database.
- Eligibility
- Must not have committed grounds for denial under A.R.S. § 20-295.
- Failed Exam Restriction
- The exemption is unavailable in the four-Arizona-failures circumstance specifically described in § 20-288(A)(2).
- Fee
- DIFI lists a $120 nonrefundable application fee and applicable fingerprint charges; low-income applicants may request Form L-WAV fee waiver.
- Fingerprints
- DIFI requires fingerprints for an Arizona resident without an existing fingerprint-required license and for a person relocating to Arizona.
- Lawful Presence
- DIFI requires Form L-152 and acceptable identification from a new Arizona resident applicant, unless fingerprints were submitted electronically.
- Prior License
- Application received within 90 days of cancellation of the former resident personal-lines license; certification or reliable evidence must show good standing.
- Residency
- Apply within 90 days of becoming resident if continuing to act as producer.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-288
A.R.S. § 20-288; A. An individual
- A.R.S. § 20-285
A.R.S. § 20-285; B. Before the director
- A.R.S. § 20-285
A.R.S. § 20-285; F. A nonresident person
- PSI Arizona Candidate Information Bulletin
Page 4, Nonresident Applicants, relocation and clearance verification
Resident individual return to the same personal lines license within twelve months
- Applicant
- Individual whose home state is Arizona; at least 18 years old.
- Application
- Submit a true, correct and complete application with required identity, history, business record and experience information.
- Assumed Name
- Notify DIFI before using an assumed business name; a trade-name license may be issued only to a business entity with lawful registration.
- Eligibility
- Must not have committed grounds for denial under A.R.S. § 20-295.
- Fee
- DIFI lists a $120 nonrefundable application fee and applicable fingerprint charges; low-income applicants may request Form L-WAV fee waiver.
- Fingerprints
- DIFI requires fingerprints for an Arizona resident without an existing fingerprint-required license and for a person relocating to Arizona.
- Late Renewal Classification
- For an expired license, an application received during the one-year period after expiration is deemed renewal under § 20-289(E).
- Lawful Presence
- DIFI requires Form L-152 and acceptable identification from a new Arizona resident applicant, unless fingerprints were submitted electronically.
- Prior Arizona License
- Held the same non-temporary Arizona license and personal-lines authority within the twelve months preceding application; § 20-288(B)(2) exempts examination.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-288
A.R.S. § 20-288; B. The following applicants
- A.R.S. § 20-289
A.R.S. § 20-289; E. Any license
- A.R.S. § 20-285
A.R.S. § 20-285; B. Before the director
temporary insurance producer license
Temporary personal-lines producer authority for continuation of an existing insurance business under A.R.S. § 20-294.
Licensing authority: Arizona Department of Insurance and Financial Institutions · Application information
Temporary continuation of insurance business (entity member or employee)
- Applicant
- Member or employee of a licensed entity after death or disability of its designated producer.
- Authority
- Only continuation of the existing personal-lines business is in this survey.
- Duration
- At most 180 days; no examination is required under § 20-294(A).
- Limitations
- Director may impose limitations, including a suitable licensed-producer or insurer sponsor responsible for all temporary-licensee acts.
- Necessity
- Director must deem the temporary license necessary for servicing the insurance business.
- Termination
- May be summarily revoked if public/insured interests are endangered; cannot continue after the owner or personal representative disposes of the business.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-294
A.R.S. § 20-294; A. The director
- A.R.S. § 20-294
A.R.S. § 20-294; B. By order
- A.R.S. § 20-294
A.R.S. § 20-294; C. By order
Temporary continuation of insurance business (military designee)
- Applicant
- Designee of a licensed producer entering active service in the United States armed forces.
- Authority
- Only continuation of the existing personal-lines business is in this survey.
- Duration
- At most 180 days; no examination is required under § 20-294(A).
- Limitations
- Director may impose limitations, including a suitable licensed-producer or insurer sponsor responsible for all temporary-licensee acts.
- Necessity
- Director must deem the temporary license necessary for servicing the insurance business.
- Termination
- May be summarily revoked if public/insured interests are endangered; cannot continue after the owner or personal representative disposes of the business.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-294
A.R.S. § 20-294; A. The director
- A.R.S. § 20-294
A.R.S. § 20-294; B. By order
- A.R.S. § 20-294
A.R.S. § 20-294; C. By order
Temporary continuation of insurance business (surviving spouse or representative)
- Applicant
- Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled.
- Authority
- Only continuation of the existing personal-lines business is in this survey.
- Duration
- At most 180 days; no examination is required under § 20-294(A).
- Limitations
- Director may impose limitations, including a suitable licensed-producer or insurer sponsor responsible for all temporary-licensee acts.
- Necessity
- Director must deem the temporary license necessary for servicing the insurance business.
- Termination
- May be summarily revoked if public/insured interests are endangered; cannot continue after the owner or personal representative disposes of the business.
Official no-examination sources
Effective from 2026-09-22.
- A.R.S. § 20-294
A.R.S. § 20-294; A. The director
- A.R.S. § 20-294
A.R.S. § 20-294; B. By order
- A.R.S. § 20-294
A.R.S. § 20-294; C. By order
Arizona Examination for Personal Lines Insurance Producer
- Provider
- PSI Services LLC
- Format
- Computer-delivered, closed-book examination
- Exam questions
- 100 items, plus 5 to 10 unscored experimental questions
- Time limit
- 2 hours
- Passing score
- 70% correct
- Exam fee
- $50
Examination outline
Insurance Regulation (10%)
- Licensing
- Licensing > License application requirements (20-285)
- Licensing > Number of exam attempts 20-284(H)
- Licensing > Licensing eligibility/lawful presence (41-1080)
- Licensing > Types of licensees
- Licensing > Types of licensees > Producers (20-281(5), 286)
- Licensing > Types of licensees > Nonresidents (20-281(11))
- Licensing > Types of licensees > Adjusters (20-321)
- Licensing > Types of licensees > Business entities (20-281(1), 285(D, E), 290(B))
- Licensing > Types of licensees > Surplus lines brokers (20-407, 411)
- Licensing > Types of licensees > Temporary (20-294)
- Licensing > Types of licensees > Vending machines (20-293)
- Licensing > Lines of producer license authority (20-286, (A), 321, 331, 332, 411, 411.01, 1580, 1693.01, 2662)
- Licensing > Fingerprinting requirements (20-142(E), 285(E), 286(C), 289(D))
- Licensing > Assumed business name (20-297)
- Licensing > Maintenance and duration
- Licensing > Maintenance and duration > Expiration, surrender and renewal (20-289)
- Licensing > Maintenance and duration > Inactive license status during military service (20-289.01)
- Licensing > Maintenance and duration > Change of personal contact information (20-286(C))
- Licensing > Maintenance and duration > Change of business information (20-286)(C))
- Licensing > Maintenance and duration > Report of actions (20-301)
- Licensing > Maintenance and duration > Continuing education (20-2902, 2903)
- Licensing > Disciplinary actions
- Licensing > Disciplinary actions > Denial, suspension, revocation or refusal to renew; civil penalties (20-295, 296)
- Licensing > Disciplinary actions > Cease and desist order (20-292)
- State regulation
- State regulation > Acts constituting insurance transaction (20-106, 282, 401.01)
- State regulation > Acts constituting insurance transaction (20-106, 282, 401.01) > Negotiate (20-281(10))
- State regulation > Acts constituting insurance transaction (20-106, 282, 401.01) > Sell (20-281(14))
- State regulation > Acts constituting insurance transaction (20-106, 282, 401.01) > Solicit (20-281(15))
- State regulation > Payment of premiums (20-191)
- State regulation > Certificate of authority (20-217(A))
- State regulation > Identification of Producer (20-229)
- State regulation > Producer regulation
- State regulation > Producer regulation > Sharing commissions (20-298)
- State regulation > Producer regulation > Place of business and records (20-157, 290; AZ Const Art 14 s 16)
- State regulation > Unfair practices and frauds
- State regulation > Unfair practices and frauds > Unfair trade practices (20-442)
- State regulation > Unfair practices and frauds > Misrepresentation (20-443, 443.01, 447; Rule R20-6-801(D))
- State regulation > Unfair practices and frauds > False or deceptive advertising (20-444)
- State regulation > Unfair practices and frauds > Defamation of insurer (20-445)
- State regulation > Unfair practices and frauds > Boycott, coercion or intimidation (20-446)
- State regulation > Unfair practices and frauds > False financial statements (20-447)
- State regulation > Unfair practices and frauds > Unfair discrimination (20-448)
- State regulation > Unfair practices and frauds > Gender discrimination (Rule R20-6-207)
- State regulation > Unfair practices and frauds > Rebating (20-451)
- State regulation > Unfair practices and frauds > Prohibited inducements (20-452)
- State regulation > Unfair practices and frauds > Fees (20-465)
- State regulation > Unfair practices and frauds > Unfair claims settlement practices (20-461; Rule R20-6-801)
- State regulation > Unfair practices and frauds > Claims payment (20-462)
- State regulation > Unfair practices and frauds > Insurance fraud (20-463, 466–466.04)
- Insurance information and privacy protection (20-2101–2122)
Federal Laws and Regulations (2%)
- Fair Credit Reporting Act (15 USC 1681–1681d)
- National Flood Insurance Program (NFIP)
- Gramm-Leach-Bliley Act (20-2121; Public Law 106-102)
- Prohibited Persons in Insurance (18 United States Code (USC) Sections 1033 and 1034) waiver
- CAN-SPAM Act of 2003 (15 USC 7701; 18 USC 1037)
- Telemarketing Sales Rule (16 CFR 310; 15 USC 6101–6108; A.R.S. 44-1282)
General Insurance Concepts (10%)
- Risk
- Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
- Risk > Elements of Insurable Risks
- Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
- Classifications of Insurers
- Classifications of Insurers > Mutual, Stock
- Classifications of Insurers > Admitted, Non-Admitted
- Classifications of Insurers > Foreign, Domestic, Alien
- Elements of a Contract
- Elements of a Contract > Consideration
- Elements of a Contract > Competent Parties
- Elements of a Contract > Legal Purpose
- Elements of a Contract > Offer
- Elements of a Contract > Acceptance
- Authority and Powers of Producers - Definitions
- Authority and Powers of Producers - Definitions > Express
- Authority and Powers of Producers - Definitions > Implied
- Authority and Powers of Producers - Definitions > Apparent
- Authority and Powers of Producers - Definitions > The Law of Agency
- Legal Interpretations Affecting Contracts
- Legal Interpretations Affecting Contracts > Reasonable Expectations
- Legal Interpretations Affecting Contracts > Indemnity
- Legal Interpretations Affecting Contracts > Good Faith
- Legal Interpretations Affecting Contracts > Fraud
- Legal Interpretations Affecting Contracts > Warranties, Representations, Misrepresentations, and Concealment
Property and Casualty Insurance Basics (32%)
- Insurable Interest
- Liability
- Liability > Absolute
- Liability > Strict
- Liability > Vicarious
- Underwriting (Purpose, Process, Results)
- Types of Hazards
- Types of Hazards > Moral
- Types of Hazards > Morale
- Types of Hazards > Physical
- Types of Perils
- Types of Perils > Named
- Types of Perils > Open
- Types of Loss
- Types of Loss > Direct
- Types of Loss > Indirect
- Loss Valuation
- Loss Valuation > Actual Cash Value
- Loss Valuation > Replacement Cost
- Loss Valuation > Market Value
- Loss Valuation > Agreed Value
- Loss Valuation > Valued Policy
- Loss Valuation > Functional Replacement Cost
- Negligence
- Negligence > Torts
- Negligence > Elements of a Negligent Act
- Negligence > Defense Against Negligence
- Accident versus Occurrence
- Policy Structure
- Policy Structure > Declarations
- Policy Structure > Definitions
- Policy Structure > Insuring Agreement
- Policy Structure > Additional/Supplementary Coverage
- Policy Structure > Conditions
- Policy Structure > Exclusions
- Policy Structure > Endorsements
- Policy Clauses
- Policy Clauses > Insureds
- Policy Clauses > Policy Period
- Policy Clauses > Policy Territory
- Policy Clauses > Cancellation and Non-Renewal
- Policy Clauses > Deductibles
- Policy Clauses > Other Insurance
- Policy Clauses > Other Insurance > Nonconcurrency
- Policy Clauses > Other Insurance > Primary and Excess
- Policy Clauses > Other Insurance > Pro Rata
- Policy Clauses > Other Insurance > Contribution by Equal Shares
- Limits of Liability
- Limits of Liability > Per Accident
- Limits of Liability > Per Occurrence
- Limits of Liability > Per Person
- Limits of Liability > Aggregate
- Limits of Liability > Split limits
- Limits of Liability > Combined Single Limit
- Coinsurance
- Coinsurance > Purpose
- Coinsurance > Definition
- Coinsurance > Calculation
- Coinsurance > Penalties
- Coinsurance > Total versus Partial Loss
- Specific, Scheduled, and Blanket Insurance
- Vacant versus Unoccupied
- Named Insured Provisions
- Named Insured Provisions > First Named Insured versus Other Insureds
- Named Insured Provisions > Duties After Loss
- Named Insured Provisions > Assignment
- Named Insured Provisions > Waiver of Rights
- Insurer Provisions
- Insurer Provisions > Liberalization
- Insurer Provisions > Subrogation
- Insurer Provisions > Claim Settlement Options
- Insurer Provisions > Duty to Defend
- Third-Party Provisions
- Third-Party Provisions > Standard Mortgage Clause
- Third-Party Provisions > Loss Payable Clause
- Third-Party Provisions > No Benefit to the Bailee
Dwelling Policy Concepts (10%)
- Purpose and Eligibility
- Definitions
- Perils Insured Against
- Perils Insured Against > Basic
- Perils Insured Against > Broad
- Perils Insured Against > Special
- Property Coverages
- Property Coverages > Coverage A - Dwelling
- Property Coverages > Coverage B - Other Structures
- Property Coverages > Coverage C - Personal Property
- Property Coverages > Coverage D - Fair Rental Value
- Property Coverages > Coverage E - Additional Living Expenses
- Property Coverages > Other Coverages
- Personal Liability Supplement
- Personal Liability Supplement > Coverage L - Personal Liability
- Personal Liability Supplement > Coverage M - Medical Payments to Others
- Dwelling Property Conditions
- Dwelling Property Exclusions
- Dwelling Policy Endorsements
Homeowners Policy Concepts (17%)
- Definitions
- Eligibility and Purpose
- Homeowners Policy Coverage Forms
- Homeowners Policy Coverage Forms > Broad (HO-2)
- Homeowners Policy Coverage Forms > Special (HO-3)
- Homeowners Policy Coverage Forms > Contents Broad (HO-4)
- Homeowners Policy Coverage Forms > Comprehensive (HO-5)
- Homeowners Policy Coverage Forms > Unit-Owners (HO-6)
- Homeowners Policy Coverage Forms > Modified Coverages (HO-8)
- Section I - Property Coverages
- Section I - Property Coverages > Coverage A - Dwelling
- Section I - Property Coverages > Coverage B - Other Structures
- Section I - Property Coverages > Coverage C - Personal Property
- Section I - Property Coverages > Coverage D - Loss of Use
- Section I - Property Coverages > Additional Coverages
- Section II - Liability Coverages
- Section II - Liability Coverages > Coverage E - Personal Liability
- Section II - Liability Coverages > Coverage F - Medical Payments to Others
- Section II - Liability Coverages > Additional Coverages
- Homeowners Policy Exclusions
- Homeowners Policy Exclusions > Section I - Property Covered Exclusions
- Homeowners Policy Exclusions > Section II - Liability Covered Exclusions
- Homeowners Policy Conditions
- Homeowners Policy Endorsements
- Homeowners Policy Endorsements > Business Pursuits
- Homeowners Policy Endorsements > Earthquake
- Homeowners Policy Endorsements > Home Day Care
- Homeowners Policy Endorsements > Personal Injury
- Homeowners Policy Endorsements > Personal Property Replacement Cost
- Homeowners Policy Endorsements > Watercraft
- Scheduled Personal Property/Personal Articles Floater
Personal Automobile Policy (12%)
- Definitions
- Personal Injury Protection Definitions
- Liability Coverage
- Liability Coverage > Bodily Injury and Property Damage
- Liability Coverage > Supplementary Payments
- Liability Coverage > Exclusions
- Liability Coverage > Liability Extension to Towed Vehicle
- Medical Payments Coverage
- Uninsured and Underinsured Motorists Coverage
- Uninsured and Underinsured Motorists Coverage > Definitions
- Uninsured and Underinsured Motorists Coverage > Bodily Injury
- Uninsured and Underinsured Motorists Coverage > UM and UIM Rejection
- Coverage for Damage to your Automobile
- Coverage for Damage to your Automobile > Collision
- Coverage for Damage to your Automobile > Other than Collision (Comprehensive)
- Coverage for Damage to your Automobile > Deductibles
- Coverage for Damage to your Automobile > Exclusions
- Duties after an Accident or Loss
- General Provisions
- Endorsements
- Endorsements > Towing and Labor Costs
- Endorsements > Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
- Endorsements > Joint Ownership Coverage
- Endorsements > Rental Vehicle Coverage
Other Types of Personal Insurance (7%)
- Personal Umbrella and Excess Policies
- Mobile Home Policy (Insuring Agreement)
- Earthquake Insurance (Insuring Agreement)
- Earthquake Insurance (Insuring Agreement) > Deductible
- Flood Insurance
- Watercraft
Examination sources
- PSI Series 13-44 Personal Lines Content Outline
Page 1, complete published content below repeated examination heading
- PSI Series 13-44 Personal Lines Content Outline
Page 2, complete published content below repeated examination heading
- PSI Series 13-44 Personal Lines Content Outline
Page 3, complete published content below repeated examination heading
- PSI Series 13-44 Personal Lines Content Outline
Page 4, complete published content below repeated examination heading
- PSI Series 13-44 Personal Lines Content Outline
Page 5, complete published content below repeated examination heading
- PSI Series 13-44 Personal Lines Content Outline
Page 6, complete published content below repeated examination heading
- PSI Series 13-44 Personal Lines Content Outline
Page 7, complete published content below repeated examination heading
- PSI Arizona Candidate Information Bulletin
Page 14, Content Outlines, complete examination-content boundary
- PSI Arizona Candidate Information Bulletin
Page 13, Score Reporting
- PSI Arizona Candidate Information Bulletin
Page 13, Experimental Items
- PSI Arizona Candidate Information Bulletin
Page 3, Types of Licenses, personal-lines examination row
- PSI Arizona Candidate Information Bulletin
Page 5, Examination Payment and Scheduling Procedures, applicant-only registration