ADJUSTER: License Application for an Individual

You generally must pass an Arizona insurance examination for the license authority you want to have if either:

• Your primary residence or principal place of business is in Arizona; or, 
• You relocate from a state where you did not hold the license that you want to have in Arizona (perhaps because the state did not issue that type of license).

However, you do not need to pass an Arizona insurance exam if: 

• You are only applying for a limited-line credit insurance producer authority.
• You are only adding variable life and variable annuity insurance producer authority to an existing insurance producer license for which you hold life insurance producer authority (but you must be licensed by the financial industry regulatory authority as a principal or a registered representative).
• You are only applying for authority as a health insurance navigator or certified application counselor (but you must provide evidence of having required federal certification).
• You are licensed in good standing in your home state for the license you want to have (as a nonresident) in Arizona.
• You are relocating to Arizona from a state where you have a resident license in good standing, and you want to hold the same license in Arizona, and Arizona offers that same resident license authority, and we receive your license application within 90 days after you cancel your license in your former home state, and you submit a clearance letter from that former home state.

IMPORTANT! Arizona law limits you to four attempts to pass an exam for a particular line of authority within a one-year period. After a fourth unsuccessful attempt, you will have to wait one year from the date of the last attempt to retake the exam. Arizona law treats failing an examination that covers more than one line of license authority the same as failing the examination for each individual line of license authority. ARS §20-284(H).

Insurance license examinations are administered by Prometric.  Prometric's Internet web sites contain license candidate publications that describe Arizona insurance licensing requirements and that outline material covered on each of the examinations. The outlines show the percentage of the examination that will deal with particular topic areas.  Neither Prometric nor the Department of Insurance publish study materials. However, the Department has available a document available on this web page that lists some resources that you may want to use to help you to prepare for your exam. 

Schedule to take your examination at any Prometric test center throughout the U.S. in which insurance examinations are offered:
live-prometric.pantheonsite.io/arizona/insurance

After you complete your exam, you will first see your exam score on the computer screen. Before you leave the test center, the test center staff will give you a printed score report showing your overall score and whether you passed or failed.  If you apply for your license on paper (rather than online), submit your score report with your license application. Keep a copy for your records. If you failed, you must retake the entire exam. You cannot just retake the sections of the exam on which you scored poorly. Focus your studies on the sections of the exam with the most questions and sections on which you performed poorly.

IMPORTANT! Once you pass an exam, you must apply for the corresponding license within one year.  ARS §20-284(A).

Pursuant to ARS §§ 20-142(E) and 41-1750(G)(2), you must submit fingerprints to the Arizona Department of Insurance and Financial Institutions if any of the following apply:

• You are an Arizona resident and do not already hold an Arizona insurance license for which you needed to furnish fingerprints
• You are relocating to Arizona from another state
• You are a resident of a state that does not issue the type of license you want to have in Arizona

If you are required to submit fingerprints:

• Have a clear set of fingerprints applied to the fingerprint card by the professional fingerprinting technician. Prometric, Arizona's insurance examination provider, along with some other vendors, use electronic systems to optically image fingerprints, which tend to produce more accurate results.
   
• Make sure that the fingerprinting technician
• verifies your identity using your government-issued photo ID;
• completes Form L-FPV (Fingerprint Verification Form);
• seals the completed Form L-FPV with the completed fingerprint card in a fingerprint card envelope;
• writes his/her name across the edge of the flap of the envelope so that the upper parts of the letters are on the flap and the lower parts of the letters are off the flap (but on the envelope).
   
• Submit the UNOPENED ENVELOPE containing the completed fingerprint card and Form L-FPV along with your license application.
   
• Add the FBI fingerprint card processing fee to your license fee payment. The FBI fingerprint card processing fee is separate from the fee that a fingerprint card technician may charge you to apply your fingerprints to a fingerprint card and to complete Form L-FPV.

IMPORTANT!  The Department will refuse to accept a fingerprint card if the fingerprint card envelope appears to have been opened or if the Form L-FPV is not included in the envelope with the card.

Your fingerprints and Your Rights to Your Criminal History Record
Fingerprints that you provide in conjunction with a license application will be submitted to and checked against Arizona and FBI criminal history databases.  You have the right to review and challenge your own criminal history records.

• Arizona Criminal History Record: To obtain a copy of your Arizona criminal history record in order to review/update/correct the record, you can contact the Arizona Department of Public Safety (ADPS) Criminal History Records Unit at (602) 223-2222. Information concerning the review and challenge process is available on the ADPS website at https://www.azdps.gov/services/public/records/criminal.
   
• Federal Identity History Summary Checks: The procedures for changing, correcting or updating your FBI criminal history record are set forth in Code of Federal Regulations (CFR) Title 28, Chapter I, Part 16, Subpart C (§§ 16.30 through 16.34). Information on how to review and challenge an FBI criminal history record is available from the FBI website at https://www.fbi.gov/file-repository/challenge-brochure.pdf/view.

Submit your license application: You can either apply online through the National Insurance Producer Registry (NIPR) or you can submit a paper application (NAIC uniform license application for an Individual).  NIPR online applications are generally processed more quickly than applications submitted on paper. 

Your license will be available from the License Search option on this web site as soon as the Arizona Department of Insurance verifies you meet all license requirements.  You will not receive a printed license certificate. 

License applications can take up to one month to process.  You must not conduct insurance business until you are licensed.