In Arizona, obtaining a life and health insurance license requires completing pre‑licensing education, passing the state exam, submitting an application with the Arizona Department of Insurance, and maintaining continuing education for renewal.
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Pre‑licensing Education and Exam
Applicants must finish 20 hours of state‑approved coursework covering insurance fundamentals, ethics, and Arizona regulations. After coursework, you schedule the life and health exam through Pearson VUE; a passing score of 70% is required.
Application Process
Submit the online application via the Arizona Department of Insurance portal, upload proof of education, and pay the $150 licensing fee. A background check and fingerprinting are also required before approval.
License Activation and Use
Once approved, the license is active for two years. You can sell life, health, and annuity products statewide, but must adhere to Arizona's continuing education (CE) rules.
Renewal and Continuing Education
Renewal occurs every two years with a $100 fee. Arizona mandates 24 CE credits per renewal period, including at least 3 hours of ethics. CE can be completed online or in‑person through approved providers.
Key Differences in Arizona
Compared to many states, Arizona combines life and health licensing into a single "L&H" license, simplifying the process. The state also requires fingerprinting for all applicants, a step not universal nationwide.
Summary of Requirements
| Requirement | Details |
|---|---|
| Education | 20 hours state‑approved coursework |
| Exam | Pearson VUE, 70% passing score |
| Application Fee | $150 |
| Renewal Fee | $100 every 2 years |
| Continuing Ed | 24 credits (incl. 3 ethics) |