Key Takeaways
- Arizona does NOT require pre-license education for insurance licenses, but study is strongly recommended
- PSI administers Arizona insurance exams at testing centers and via remote proctoring (PSI Bridge)
- The Arizona Life & Health exam requires a 70% passing score
- Fingerprinting is required through Fieldprint after passing the exam, before license issuance
- License applications must be submitted within 12 months of passing the exam
Arizona Producer Licensing Requirements
Arizona has specific requirements for obtaining a Life & Health insurance producer license. Notably, Arizona does not require pre-license education.
Pre-License Education
Arizona does NOT require pre-license education for insurance licenses:
- No mandatory classroom hours
- No specific courses required
- However, preparation courses are strongly recommended
- Most candidates complete 20-40 hours of self-study
Exam Tip: Arizona is one of the states that does not require pre-license education. However, the exam still requires thorough preparation to achieve the 70% passing score.
Examination Requirements
Arizona insurance exams are administered by PSI Services LLC:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | PSI Services LLC |
| Passing Score | 70% |
| Testing Options | PSI testing centers OR PSI Bridge (remote) |
| Exam Fee | Approximately $55 |
| Results | Immediate upon completion |
PSI Bridge Remote Testing
Arizona allows remote proctored exams through PSI Bridge:
- Take the exam from home or office
- Requires webcam and stable internet
- Real-time proctoring during exam
- Same exam content as testing center
- Must follow strict environment requirements
Exam Content Areas
The Arizona Life & Health exam covers:
| Content Area | Topics |
|---|---|
| Life Insurance | Types, provisions, underwriting |
| Annuities | Types, taxation, suitability |
| Health Insurance | Types, provisions, regulations |
| Arizona Laws | State-specific statutes and rules |
Fingerprinting Requirements
Arizona requires fingerprinting through Fieldprint for background checks:
Fieldprint Process
- Timing: Complete AFTER passing the exam
- Provider: Fieldprint (authorized vendor)
- Cost: Approximately $50-65
- Process: Schedule appointment at Fieldprint location
- Results: Submitted electronically to DIFI
Background Check Considerations
DIFI considers criminal history when evaluating applications:
- Crimes involving fraud, dishonesty, or breach of trust
- Felonies substantially related to insurance activities
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
Note: A criminal record does not automatically disqualify an applicant. DIFI considers the nature of the offense, time elapsed, and evidence of rehabilitation.
License Application Process
After passing the exam:
- Complete fingerprinting through Fieldprint
- Submit application through NIPR or DIFI online system
- Pay application fee ($100 for resident license)
- Wait for background check completion
- Receive license after DIFI approval
Application Timeline
| Step | Timeframe |
|---|---|
| Exam passage to application | Within 12 months |
| Fingerprint processing | 5-10 business days |
| DIFI review | 2-4 weeks typically |
| License issuance | Upon approval |
License Types
Arizona offers several license types:
| License Type | Authority |
|---|---|
| Life Insurance | Life insurance and annuities |
| Disability Insurance | Health, disability, LTC |
| Life and Disability | All life and health products |
| Variable Products | Requires securities license |
Does Arizona require pre-license education for insurance licenses?
Who administers insurance licensing exams in Arizona?
What fingerprinting service does Arizona require for insurance license applicants?