The Department can deny a license for any cause listed in Arizona Revised Statutes ("ARS") § 20-295. You should review this statute before deciding to spend the time, effort and money (fees are nonrefundable) to apply for a license. If you apply for a license, you must truthfully and completely answer questions asked on the application, and you may need to provide additional documentation.

You must be at least 18 years old.

An Arizona resident that does not already hold an Arizona insurance license (or an individual who has not already submitted evidence pursuant to obtaining an Arizona insurance license) must submit Form L-152 (ARS § 41-1080) with one of the required forms of identification.  This form is not necessary if your fingerprints were submitted to the department electronically. 

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:

Individual License application process  

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.

Include written authorization from the political subdivision (city/town/county) expressing their intent for you to serve as a risk management consultant subject to your holding a risk management consultant insurance license.

• You can pay with a credit card if you submit your application online through the National Insurance Producer Registry.
• You can pay by debit/credit card, check or money order, made payable to "Insurance Licensing Section" if you deliver your payment with your license application and other required materials to the Department of Insurance Licensing Section.
• You can pay by check or money order, made payable to "Insurance Licensing Section" if you mail your payment with your license application and other required materials to the Department of Insurance Licensing Section.

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. 

We will review your application and you will receive one of the following:

• A notice telling you that your application was approved.  Use License Search to view your license on our web site to ensure that your license information appears correctly.  Use the National Insurance Producer Registry (NIPR) to correct or update information.
• A notice telling you that your renewal application was denied.  The notice will tell you the reason for the denial and will provide you with instructions concerning your right to appeal the decision.
• A notice telling you that your renewal application was deficient.  This notice will be emailed to you.  You must provide the Department with any additional materials identified in the deficiency notice or accompanying instructions.  You must cure all identified deficiencies or we may deny your license and you will forfeit the fees you paid.

NOTE:  We do not produce paper license certificates.  Licenses are accessible online through the LICENSE SEARCH option on our web site's main menu.

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.