Key Takeaways
- Arizona insurance licenses are valid for 2 years and expire on the last day of the licensee's birth month
- Renewal requires 24 hours of continuing education, but Arizona does NOT require specific ethics hours
- Licenses not renewed within 12 months of expiration are terminated and require re-examination
- Address changes must be reported to DIFI within 30 days
- Arizona accepts continuing education from other states through reciprocity
License Maintenance and Continuing Education
Arizona insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Expiration | Last day of birth month |
| Renewal Fee | $100 |
| Late Renewal (within 30 days) | Fee + $25 penalty |
| Expired 31 days - 12 months | May reinstate with CE and fees |
| Expired Over 12 months | Must retake exam |
Expiration Date
Arizona licenses expire on the last day of the licensee's birth month in odd or even years (depending on when first licensed):
- If born in March and licensed in 2025, license expires March 31, 2027
- Renewal notices sent approximately 90 days before expiration
Continuing Education Requirements
Arizona requires 24 hours of continuing education (CE) every 2 years:
CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics Hours | Not specifically required |
| CE Period | 2 years (matches license term) |
Exam Tip: Arizona is one of the few states that does NOT require specific ethics hours in continuing education. Most states require 3 hours of ethics.
CE Course Requirements
- Must be completed at DIFI-approved providers
- Online and classroom options available
- Can take CE from other states if topics are relevant
- Cannot repeat same course within 2-year period
- CE must be completed BEFORE license expiration
Reciprocity
Arizona participates in continuing education reciprocity:
CE Reciprocity
- CE completed in other states may count toward Arizona requirements
- Course content must be relevant to lines of authority
- Provider must be approved in the originating state
- Check with DIFI for specific reciprocity rules
Renewal Process
- Complete CE before expiration date
- Submit renewal through NIPR or DIFI online system
- Pay renewal fee ($100)
- Receive renewed license
Late Renewal Consequences
| Timing | Consequence |
|---|---|
| Before expiration | Normal renewal |
| 1-30 days late | $25 late fee, cannot practice |
| 31 days - 12 months | Must apply for reinstatement |
| Over 12 months | Must retake licensing exam |
Reporting Requirements
Arizona producers must notify DIFI of changes within 30 days:
- Change of business address
- Change of residence address
- Change of name
- Change of email address
- Administrative actions by other states
- Criminal charges or convictions
Failure to Report
Failure to report changes within 30 days can result in:
- Administrative penalties
- License suspension
- Fines
Disciplinary Actions
DIFI can take disciplinary action for violations:
Types of Discipline
| Action | Description |
|---|---|
| Letter of Reprimand | Written warning |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Monetary penalty (up to $1,000 per violation) |
| Restitution | Payment to harmed parties |
Common Violations
- Misrepresentation to clients
- Failure to disclose material information
- Mishandling of premiums
- Unauthorized transactions
- Failure to maintain CE requirements
- Felony conviction
How many hours of continuing education does Arizona require for license renewal?
When does an Arizona insurance license expire?
What happens if an Arizona insurance license expires and is not renewed within 12 months?