Key Takeaways
- Arizona P&C insurance licenses are valid for 2 years and must be renewed before expiration
- Renewal requires 24 hours of continuing education, including 3 hours of ethics
- Licenses not renewed within 1 year of expiration require retaking the state exam
- Address and name changes must be reported to DIFI within 30 days
- DIFI can discipline licensees including suspension, revocation, or fines up to $1,000 per violation
License Maintenance and Continuing Education
Arizona P&C insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Renewal Fee | $50 |
| Late Renewal (up to 30 days) | $50 + late fee |
| Expired 30 days - 1 year | May reinstate with CE and fees |
| Expired Over 1 Year | Must retake exam |
Continuing Education Requirements
Arizona requires 24 hours of continuing education (CE) every 2 years:
CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 3 |
| Electives | 21 |
| CE Period | 2 years (matches license term) |
Exam Tip: Arizona requires 3 hours of ethics CE, which is more than Texas (2 hours). This is a commonly tested difference.
CE Course Requirements
- Must be completed at DIFI-approved providers
- Online and classroom options available
- Cannot repeat same course within 2-year period
- CE must be completed BEFORE license expiration
- Courses must be relevant to lines of authority
Reporting Requirements
Arizona producers must notify DIFI of changes within 30 days:
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
Disciplinary Actions
DIFI can take disciplinary action against licensees for violations:
Types of Discipline
| Action | Description |
|---|---|
| Warning Letter | Minor first offense |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Up to $1,000 per violation |
| Restitution | Payment to harmed parties |
Common P&C Violations
- Misrepresentation of policy terms or coverage
- Twisting (replacing policies for commission)
- Rebating (offering unauthorized inducements)
- Unfair claims practices
- Commingling of funds
- Failure to maintain CE requirements
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively practicing |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
Appointing Companies
P&C agents must be appointed by insurers to sell their products:
- Appointment Required: Before selling insurer's products
- Appointment Fee: $5 per company
- Termination Reporting: Insurers must report terminations to DIFI within 30 days
- For Cause Terminations: May trigger DIFI investigation
Exam Tip: Arizona requires appointment BEFORE selling, unlike Texas which allows 15 days after the first transaction.
How many hours of continuing education does Arizona require for P&C license renewal?
How many hours of ethics CE does Arizona require per 2-year renewal period?
What happens if an Arizona P&C license has been expired for more than 1 year?