How to Get a Life Insurance License in Arizona

Written by: Mary Gerardine

Last updated:

How to Get a Life Insurance License in Arizona

Getting your Arizona life insurance license is the first step towards becoming a life insurance agent in the state.

The Arizona Department of Insurance and Financial Institutions requires you to complete a six-step process to become a life insurance agent in Arizona — from taking the life insurance exam to applying for a license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

How to Get Your Arizona Life Insurance License

  1. Complete an Arizona Insurance Pre-license Course (Kaplan Education Company – $149+)
  2. Take the Arizona Life Insurance Licensing Exam (Prometric – $38)
  3. Get a Fingerprint-Based Background Check (Prometric – $20 + Arizona Department of Insurance and Financial Institutions FBI processing fee – $22 )
  4. Complete an Arizona Life Insurance License Application (National Insurance Producer Registry (NIPR) – $120 application fee + $5.60 transaction fee)
  5. Mail Your Fingerprint Card and Form L-152
  6. Watch for Your Application Results

Life Insurance License Arizona

Obtaining your Arkansas life insurance license isn’t difficult. Just follow these five steps to start your journey toward becoming a life insurance agent. Once you earn this license, check out our guide on how to get your Arizona property and casualty (P&C) license as well.

Step 1: Complete an Arizona Insurance Pre-license Course

Before you take the Arizona life insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

While Arizona doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Others purchase books or self-study materials to prepare themselves for the exam.

A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered “common sense”. Pre-license education courses are self-paced and include study materials like practice exams and flashcards.

Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.

Recommended Course

Over 81% of our readers use Kaplan’s online courses — which come with a 93% pass rate — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:

4.7 out of 5 starsKaplan Education Company

Step 2: Take the Arizona Life Insurance Licensing Exam

After you complete a prep course and your own independent studying, it’s time to take the Arizona life insurance exam.

Arizona uses Prometric as its official testing service for delivering licensure exams.

The Arizona life insurance exam outline contains a total of 100 scored questions that includes seven sections. Those sections cover basic life insurance knowledge, insurance concepts, and terms, rules, state and federal regulations, and practices specific to Arizona.

You’ll have 120 minutes to complete the examThe Arizona life insurance exam fee is $38, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

Prometric will electronically notify the Arizona DIFI of your exam results within 48 hours of you passing the exam.

Tip

Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

The best way to understand if you are prepared for the test is to take a Life Insurance Practice Exam.

Step 3: Get a Fingerprint-Based Background Check

After you take the Arizona life insurance exam, you must get a fingerprint-based background check from Prometric. Prometric offers a fingerprinting service at its Arizona test centers. The total cost of fingerprinting services is $42, which includes a $20 fee charged by Prometric plus a $22 fee for FBI fingerprint processing

At your fingerprinting appointment, you’ll receive a receipt. Don’t throw it away! Keep the original receipt for your records because you’ll need to mail it in during a later step.

After completing your fingerprint-based background check, you must submit your license application within one year of passing the licensing exam. If you fail to do so, you’ll need to retake the exam.

Step 4: Complete an Arizona Life Insurance License Application

Once you pass the life insurance exam and complete the background check, you can apply for your Arizona life insurance license. The application fee is $120, and the NIPR will charge a $5.60 transaction fee for a total of $125.60. You must submit a completed Form L-FPV as part of your insurance license application. The form includes instructions you need to follow so the Arizona DIFI will accept your fingerprints.

The Arizona DIFI will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.

To apply for a life insurance license in Arizona, make sure you comply with the insurance licensing requirements as defined under the Arizona Insurance Code and Arizona Administrative Code.

Send any questions or supporting documents to licensing@azinsurance.gov.

Step 5: Mail Your Fingerprint Card and Form L-152

After completing and submitting your license application to the NIPR, you will now mail in your fingerprint card. You will send this card to the Arizona DIFI (address below).

Arizona Department of Insurance and Financial Institutions
100 North 15th Avenue, Suite 261
Phoenix, AZ 85007-2630

Arizona also requires you to submit a completed Form L-152 with your application to verify your identity. You must fill it out and attach a copy of one of the 13 forms of identification listed, such as your driver’s license, passport, birth certificate, etc.

Once you complete this document, email it to licensing@azinsurance.gov. Do not send this document until you have passed the exam and sent in your application.

Step 6: Watch for Your Application Results

After you complete the previous five steps, the Arizona DIFI will review your application and background check. It reviews filings in the order it receives them, and this process usually takes up to one month.

Your license will appear within the Arizona DIFI’s License Search tool as soon as the department verifies you meet all license requirements

You can also print your license from the NIPR website. There’s no charge to create an account or print a license. You can also manage and search for your license by using the National Association of Insurance Commissioners (NAIC) State Based Systems (SBS) Arizona Lookup tool.

Congratulations!

You’re now ready to get started as a life insurance agent in Arizona.

Next Steps After Securing Your Arizona Life Insurance License

Once you complete the above steps and have your Arizona life insurance license, here’s what you should pursue next.

Get Your FINRA Securities Licenses

Overview

Individuals planning to market and sell market-based life insurance products also must obtain the proper securities licenses. As a securities license holder, you can offer securities as part of your services. That’ll make you a credible authority in addressing all of your clients’ financial needs.

SIE Exam

To obtain these licenses, you’ll first need to take and pass the Securities Industry Essentials (SIE) exam. Professionals in the securities industry are required to take the SIE and a series of examinations administered by the Financial Industry Regulatory Authority (FINRA)

The SIE exam ensures every life insurance professional has a basic understanding of securities. While taking the SIE exam isn’t a requirement for all insurance professionals, those who don’t obtain at least one securities license limit their ability to work with clients. With a securities license, you can give your clients the option to invest in securities-related products as part of their life insurance plans.

Tip

To help you start preparing for the SIE exam, check out our full guide on How to Pass the SIE Exam.

Obtaining a license to sell securities also requires sponsorship from a firm, company, or organization regulated by FINRA. The sponsor will pay the testing fees required for your SIE exams and submit your personal information to FINRA’s Central Registration Depository (CRD). The Series 6 and Series 7 licenses require a FINRA exam sponsorship before you can take the exam. The exam for a Series 63 license doesn’t require any sponsoring entity. 

Once you get your securities license(s), FINRA will list you as a “registered representative.” By achieving the securities licensee designation, you’ll become a highly sought-after professional and set yourself up for a successful career in the insurance industry.

Series 6, 7, and 63 Licenses

Some of the most common securities licenses for insurance agents include the Series 6, 7, and 63 licenses because they allow licensees to sell almost every type of individual security.

The Series 6 (Investment Company and Variable Contracts Products Representative) Securities License is the primary license sought by insurance sales professionals and financial advisors, allowing them to sell grouped securities related to insurance products. 

Series 6 works together with Series 63 because they are the two partner licenses required to sell insurance policies tied to investments. The North American Securities Administrators Association (NASAA) oversees regulation of the Series 63 (Uniform Securities Agent State Law) license.

The Series 7 license allows you to buy and sell securities (e.g., stocks, bonds, and mutual funds) as part of an investment plan for your clients. To get a Series 7 license, you will first need to register as a new candidate with FINRA and pass the Series 7 exam. The Series 7 exam is commonly known as the General Securities Representative Qualification Exam, but is sometimes referred to as the “Series 7 Top-Off Exam.”

Get a Job in the Insurance Field

Once you earn your license, you can start applying for jobs in the insurance field. With a life insurance license, you can provide advice and recommend insurance products to clients, sell life insurance policies that pay a beneficiary upon an insured person’s death, and sell annuities that pay a set income at retirement.

When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).

Complete Continuing Education and Renew Your License

In Arizona, you must take 48 hours of continuing education (CE) credits to maintain your license in good standing. You must complete at least six hours of ethics training. You can search for Arizona-approved courses and course providers on the Prometric Arizona Licensees page.

If you have a non-resident license and have good standing in your home state, you don’t need to take CE courses in Arizona. In Arizona, you must also renew and manage your life insurance license every four years. To avoid delays in renewing your license, you must complete continuing education hours within 90 days before your license expires. The continuing education provider will report the successful completion of the course to the Arizona DIFI. The renewal fee is $120 and the late fee is $100.

Learn how to renew your license with our Arizona Insurance License Renewal guide.

Arizona Department of Insurance Contact Information

Mailing Address

Arizona Department of Insurance and Financial Institutions
100 North 15th Avenue, Suite 261
Phoenix, AZ 85007-2630

Phone: (602) 364-4457

Email: insurancelicensing@difi.az.gov 

Website: https://insurance.az.gov/

License Search: Arizona Insurance License Lookup

Arizona Life Insurance License FAQ

How much does it cost to get a life insurance license in Arizona?

The total cost of getting a life insurance license in Arizona includes $149 or more for the pre-license education course, $38 for the Arizona insurance license exam fee via Prometric, $42 for the fingerprint-based background check fee ($20 via Prometric + $22 via the Arizona DIFI), and $125.60 for the application fee via NIPR.

How long does it take to process a life insurance license application in Arizona?

The insurance licensing section of the Arizona DIFI processes life insurance license applications in Arizona. After you pass the Arizona insurance exam and submit your application and supporting materials, it usually takes a month to review and approve your life insurance producer license.

Can I get a temporary life insurance agent license in Arizona?

Yes, you can get a temporary life insurance agent license in Arizona. This license allows you to work as a licensed insurance agent for 180 days without taking the Arizona insurance exams. You need to pay an application fee of $142, which includes the license fee and the FBI fingerprint card processing fee.

Do I need to get my securities license on top of a life insurance license in Arizona?

Most likely, yes. Having a securities license lets you sell more life insurance products linked to the securities market. However, even if you are already a life licensed insurance agent, you still need FINRA accreditation to get a securities license.

What can I sell with a life insurance license in Arizona?

With an Arizona life insurance license, you can sell two types of products: life insurance and annuities. Life insurance policies are contracts that provide a lump sum payment to a designated beneficiary when the insured person dies. Annuities are contracts that provide a regular income to the beneficiary at retirement or a specified date.

How much can you make with a life insurance license in Arizona?

According to ZipRecruiter, the average annual pay for a life insurance agent in Arizona is $84,042. This amount is equivalent to $40.41 per hour or $7,003 per month. The salary range can vary from $16,774 to $135,124 depending on your skill level, location and experience.

What are the limitations of an Arizona life insurance license?

An Arizona life insurance license limits you to selling life insurance and annuities. You need other licenses to sell other insurance products (e.g., the combined life and health insurance license). A securities license lets you sell securities, such as stocks and bonds, with your life insurance license. You need FINRA accreditation to get a securities license.

How hard is it to get a life insurance license in Arizona?

Getting a life insurance license in Arizona is quite simple, but it requires some preparation and effort. You need to complete a pre-license education course, pass the Arizona insurance exam (which covers topics such as life insurance concepts, Arizona law, and other insurance regulations), submit a fingerprint-based background check, and apply online.

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