How to Get an Insurance License in Arkansas

Written by: Nik Ventouris

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How to Get an Insurance License in Arkansas

If you’re thinking about becoming an insurance agent in Arkansas, the first step you’ll need to take in order to kickstart your career is to obtain an Arkansas insurance license.

In this guide, we’ll walk you through the step-by-step process of how to become an insurance agent in Arkansas, as well as what to do once you get licensed.

Tip: Doing a pre-licensing education course dramatically increases your chance of passing your exam on your first attempt, which can end up saving you both time and money in the long run.

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Arkansas Insurance License

In order to get your Arkansas insurance license, you’ll need to complete the following five steps:

  1. Figure Out Which Insurance License You’ll Need
  2. Complete a Pre-Licensing Education Course
  3. Submit Your Insurance License Application
  4. Complete a Background Check
  5. Pass the Relevant Arkansas Insurance Exam(s)

Below we have explored each step in more detail.

Step 1: Decide Which Insurance Licenses You Need

The first step will be deciding what type of insurance policies you’ll want to sell — at least at the start of your career.

This is because the type of insurance policies you’re hoping to sell will dictate the type of license you’ll need. For example, you’d need a Property & Casualty (P&C) license to be able to sell auto, home, or business insurance.

Here’s a list of all the different types of insurance agent licenses that are available in the state of Arkansas:

  • Life
  • Health
  • Property/Casualty (including commercial lines)
  • Personal Lines (Property/Casualty)
  • Title
  • Crop Hail
  • Surplus Lines

While there are a large number of different licenses to choose from, the vast majority of insurance agents will either obtain a Property and Casualty (P&C) or a Life and Health license.

In fact, many agents actually opt to go for both of these licenses as it allows them to offer clients a much wider range of the most common insurance products.

However, if you already know you want to specialize in one particular type of policy, you’ll of course only have to focus on the specific license that’s relevant to this insurance type.

It’s worth noting at this point that if you’re looking to work as an insurance adjuster, you’ll need to obtain a separate license — which you can find more information about in our Arkansas Adjuster License overview.

Step 2: Complete an Arkansas Pre-Licensing Education Course

The next step you’ll want to take toward becoming a licensed insurance agent in Arkansas is completing a pre-licensing education course.

In accordance with Arkansas law, all insurance producers are required to complete 20 hours of pre-licensing education in their chosen line of authority. This can be completed through an online course or in a traditional classroom setting.

Your education provider will issue a certificate of completion once you’ve completed this requirement, which you will need to bring with you in order to be allowed to sit for your licensing examination.

Due to the sheer number of pre-licensing education courses available, it’s normal to feel a little overwhelmed when deciding which one is right for you. To avoid this, we typically recommend making a decision based on the following factors:

  • The course’s flexibility (e.g., does it allow flexible learning, does it require completing within a short time-window, etc.)
  • The course’s price: This one is obvious; our only tip here is to not go too low, as from our experience you tend to get what you pay for when it comes to these
  • The course’s reputation: How reliable is each provider? The last thing you want is insufficient and/or incomplete resources before your exam

Recommended

Doing a pre-licensing education course dramatically increases your chance of passing your exam on your first attempt, which can end up saving you both time and money in the long run. For pre-licensing education, StateRequirement recommends:

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If you want more information before getting started, you can also have a look at our in-depth overview of the five best pre-license education courses in 2024.

Step 3: Submit Your Insurance License Application

With your pre-licensing education course out of the way, you’ll be ready to apply for your insurance license.

To do this, you will need to visit the National Insurance Producer Registry (NIPR) website and complete an Electronic Resident Licensing application.

Keep in mind that you will need to pay a $20 filing fee in order for your submission to be processed, which is applicable to each line of authority you want to apply for (i.e., if you want to apply for multiple lines, you’ll need to pay this fee multiple times.).

Step 4: Complete a Background Check

After completing your application, the next step you will need to take is to undergo a background check.

To do this, you will need to visit the Arkansas Insurance Department’s Criminal Background Check System and pay the required $25 processing fee.

You will need to provide an email address in order to receive your results, which should only be used for the purpose initially specified.

This is because using the criminal history report for purposes not specified in the initial request can constitute a Class A misdemeanor under Arkansas law.

Note: Any misdemeanors or felonies may affect the outcome of your licensing efforts. If you’re worried about this, you can contact the Arkansas Insurance Department Licensing Division by phone or email for more guidance.

Step 5: Pass the Relevant Arkansas Insurance License Exam(s)

After completing your pre-licensing education course, submitting an application, and completing a background check, the last step you will need to take is to pass the relevant Arkansas insurance license exam.

We say “relevant” because this will depend on the line you wish to specialize in; for example, if you’re planning to become a health insurance agent, you will need to pass the Health exam — which consists of 50 scored questions.

All insurance producer licensing examinations in Arkansas are administered by PSI and come with a $50 exam fee.

Keep in mind that you will need to achieve a score of at least 70% in order to pass your exam(s). Having said that, you’ll be able to retake each examination as many times as needed in order to pass.

Note: Candidates who fail the same examination three consecutive times will be required to wait four weeks before they can schedule another attempt. For more information, you can have a look at our Arkansas Insurance License Exam guide.

Step 6: Application Review

And that’s it! After satisfying all the other requirements and submitting a license application to the Arkansas Department of Insurance all that’s left to do is wait.

If everything on your application has been filled out correctly, you should be able to print your insurance agent license within 24 hours of successfully passing your examination(s).

It’s important to be aware that the issuance of your insurance license can take a bit longer than this if there are any items from your background check that need to be looked over. However, the state will likely get in touch with you to give some context if they run into any issues.

In any case, the state will send you an email regarding the status of your license once this review has been completed, so keep an eye out for that!

Pro tip: Doing a pre-licensing education course dramatically increases your chance of passing your exam on your first attempt, which can end up saving you both time and money in the long run.

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After Getting Your Arkansas Insurance License

With your insurance exams out of the way and your application approved, you will now be a qualified insurance agent in Arkansas.

At this point, there are four main steps that we recommend new insurance agents to take:

  1. Obtain Any Relevant Securities Licenses: If you’re planning on selling advanced life insurance products, you’ll need to pass the Securities Industry Essentials (SIE) exam and obtain the relevant securities licenses (e.g., Series 6, 7, and 63).
  2. Choose a Means of Selling: You’ll have to decide whether you’d prefer working as a captive agent employed by one company, or running your own business as an independent agent.
  3. Develop Your Marketing Approach: To succeed as an insurance agent, you’ll need to adopt a marketing approach that’s effective for you. Finding and sticking to a niche, as well organizing all client appointments for the start of your week, are two great ways to do this.
  4. Keep Your License Valid: All insurance producers in the state of Arkansas are required to complete at least 24 hours of continuing education every two years in order to keep their licenses active. These courses must be approved by the Arkansas Insurance Commissioner and include a minimum of 3 hours dedicated to ethics training in each two-year licensing cycle.

For a more in-depth look at each one of these steps, check out our Steps After Getting Your Insurance License guide.

Arkansas Insurance Department Contact Information

Mailing Address:
1 Commerce Way Little Rock
Arkansas 72202

Phone: (501) 371-2750

Fax: (501) 683-2604

Email: insurance.license@arkansas.gov

Website: http://insurance.arkansas.gov

License Search: Arkansas Insurance License Search and Lookup

Arkansas Insurance License FAQ

Will I need to renew my insurance license in Arkansas?

Yes, you must renew your Arkansas insurance license every two years. To do this, you will be required to complete at least 24 hours of continuing education, which must include a mandatory 3 hours dedicated to ethics training. Note: For additional information on renewing your license, please refer to the Arkansas Department of Insurance website.

How long does it take to get an insurance license in Arkansas?

The time it takes to obtain an insurance license in Arkansas can vary, typically ranging from a few weeks to several months. This timeframe depends on how quickly you complete the required pre-licensing education, pass your exam(s), and on whether any issues arise with your background check after you submit your application.

How much does the Arkansas insurance license cost?

To get an insurance producer license in the state of Arkansas, you’ll need to cover several fees: a $20 license application fee, a $50 processing fee for each required state licensing exam, and a $25 processing fee for the background check that the state of Arkansas requires. For more detailed information, resident applicants and business entities can refer to our Arkansas Insurance License article.

Is the Arkansas insurance license exam hard?

The difficulty of the Arkansas insurance license exam will depend on your individual preparation and familiarity with the tested material. We recommend dedicating between two to six weeks of study for each exam in order to increase your chances of passing on the first attempt.

How do I get my insurance license in Arkansas?

To get your insurance license in Arkansas, you will need to complete the required pre-licensing education, submit your application through the NIPR website, complete the required background check, and pass the relevant licensing exam(s). Interested in finding out more? You can have a look at our state-specific Insurance Licensing guide.

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