General Requirements
Arizona Major Lines Licensed Insurance Agents are required to complete 48 credits of continuing education every 4 years prior to their license expiration date. Of the 48 Credits required, 6 credits must be done in the category of Ethics Training. The remaining requirements are “non-license type specific”: Agents can take courses in any topic as long as they are approved by the Arizona Department of Insurance.
Major Lines include: Life, Accident and Sickness, Property, Casualty, and Personal Lines. Producers licensed in multiple major lines (Property and Life, for example) are only required to meet the same requirements as Producers with single lines of licensing. In other words: you only have to take 48 credit hours of CE if you hold multiple lines of licensing.
Agents must complete their CE Requirements prior to their license expiration date to be eligible to renew their license. Arizona also charges an additional $.75 per credit hour “filing fee” that must be collected by the CE provider and remitted when credits are filed. It is highly recommended that agents complete their CE Requirements at least 24 hours in advance of their license expiration date to ensure that their renewal application is made available. Upon completion of all CE Requirements, licenses can be renewed online through NIPR.com, or Sircon.com. The renewal fee is $120 total, regardless of the number of major-lines licenses being renewed.
Licenses are eligible for renewal when:
- all CE Requirements have been completed, and
- when the licensee is within 90 days of their license expiration date.
Special Training Requirements
There are special training requirements for Arizona insurance agents who sell certain products. These courses count towards your CE Requirements.
Annuities
While only Arizona-resident insurance producers are subject to Arizona’s insurance continuing education requirements, both resident and non-resident life insurance producers must complete the 4 Hour training course in order for an insurer to permit the producer to transact annuities.
Long Term Care
Arizona insurance agents may not sell, solicit or negotiate a Long-Term Care policy unless the individual has completed an initial 8 Hour Long Term Care Training Course. Agents must also complete a 4 Hour ongoing training course every compliance period after the initial course is completed.
Flood Insurance
Arizona insurance agents who sell Flood Insurance must complete a 1 – time, 3 hour Flood Training Course.
CE Exemptions and Reductions
There are limited exemptions or reductions from completing CE Requirements.
- You have been “continuously licensed” in Arizona as an insurance agent, broker or producer since January 1, 1995; and,
- You have not held a nonresident insurance producer license in another state at any time since January 1, 1995; and,
- You have never been the subject of an order of the director of insurance for a violation of Arizona insurance laws (ARS Title 20) that resulted in your license being suspended, revoked, denied or not renewed; or, that required you to cease and desist from unlawful activity; or, that required you to pay restitution or a civil penalty.
- Non-Resident Agents are exempt as long as they have met the CE and Renewal Requirements of their home State where they hold their License.
Course Repeat Restrictions
Agents will not receive credit for the same CE courses taken within the same renewal period.
Carryover Credits
Any credits earned in excess of the 48 credit requirements cannot be carried over to future renewal periods.
Late Renewal and Reinstatements
There are no grace periods after a license expires. Arizona insurance agents who fail to meet their renewal requirements prior to their license expiration date will have their license expired. Agents have up to 1 year to renew their license late by completing all outstanding CE Requirements and paying a late fee of $100 ($220 total). Agents who do not renew within 1 year from their license expiration date must relicense.
Agents requesting a reinstatement should do so by submitting an initial license application through NIPR.
Arizona Insurance Agent Continuing Education & Renewal Requirements Summary
| Renewal Term | Every 4 Years |
| Renewal Date | Last Day of Birth Month – Every 4 Years |
| CE Requirements | 48 Credits Total (6 in Ethics) |
| Course Requirements | Non-License Type Specific (Courses May Be Taken in Any Approved Subject Matter) |
| Special Training | Flood – 1 Time 3 Hour Course Prior to Selling. Long Term Care – 8 Hour Initial, 4 Hours Every Renewal Period Following. Annuities – 1 Time 4 Hour Course Prior to Selling. |
| Exemptions |
|
| Renewal Fee | $120 |
| Renewal Site | NIPR.com or Sircon.com |
| Missed Renewal | License Inactive After Expiration Date |
| Late Renewal, Reinstatement, Fees | Late Renew for up to 1 year + $100. After 1 Year – Relicense |
| Carryover Credits | Credits Earned in Excess of Requirements Are Not Carried Forward |
| Course Repeat Restrictions | No Credits for Courses Repeated Within the Same Renewal Period |
Arizona Department of Insurance Contact Information
Website: https://difi.az.gov/
Main Switchboard: 602-364-3100
Licensing Switchboard: 602-364-4457
Licensing Division Group Email: insurancelicensing@difi.az.gov
Arizona Department of Insurance and Financial Institutions
100 N. 15th Avenue, Suite 261
Phoenix, AZ 85007-2630
