An insurance producer (formerly known as an insurance agent or insurance broker) is an individual or business authorized to sell, solicit or negotiate insurance. ARS § 20-281(5) . Click here to see available lines of license authority .


You can only sell, solicit or negotate a line of insurance in Arizona if you are licensed as an insurance producer for thatline of authority . If you are involved in the sale, solicitation or negotation of insurance, you must be licensed as an insurance producer unless ( ARS § 20-283 )

  • You are an Arizona-authorized insurance company.
  • You are an officer, director or employee of an insurance company, you do not receive a commission based on the sale of insurance and your activites are limited to
    • executive, administrative, managerial or clerical duties that are at most indirectly related to selling, soliciting or negotiating insurance; OR,
    • underwriting, loss control, inspection, or claims adjusting; OR
    • providing technical advice and assistance to insurance producers (excluding selling, soliciting or negotiating insurance); OR
    • servicing an existing policy.
  • You are employed to obtain information to enroll individual members in group life, group annuities, group or blanket accident and health or sickness or mass-marketed property and casualty insurance plans, and you do not receive a commission.
  • You are an employer (or its officer or director), association (or its officer or director), or employee trust plan (or its employee or trustee), and you are administering employee benefits for the employer, association or employee trust plan (or its affiliates).
  • You only develop advertising without the intent to solicit insurance in Arizona thorugh media whose distribution is not limited to Arizona residents.
  • You are not a resident of Arizona AND you are selling, soliciting or negotiating commercial property or casualty insurance for an insured that has risks in multiple states AND you are licensed as an insurance producer in the state where the insurer has its principal place of business and the insurance covers risks in that state.
  • You counsel your employer about your employer’s insruance interests, you do not sell or solicit insurance, and you do not receive a commission.

Arizona Candidate Handbook provides additional information regarding the examination procedures.

APPLICATION REQUIREMENTS (not an exhaustive list)

Not everyone qualifies for an insurance license. 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 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.


General Requirements Common to All Applicants
Be the minimum age Individuals must be at least 18 years old. ARS § 20-285(B)(1)
Maintain a principal place of business You must have and maintain a location where you keep usual and customary records pertaining to transactions under your license. ARS § 20-290(A)
(nonrefundable per ARS § 20-167(A) )


Specific Requirements For Arizona Residents For Residents of Other States (Arizona Non-residents) For Relocating to Arizona from Outside Arizona
Pass an exam (individual applicant) You must pass an examunless you are applying for a limited-line travel insurance producer license. ARS §§ 20-284 ,20-285(A) and 20-288 Not required. Must be licensed in good standing in your home state. ARS § 20-287 Not required if we receive your license application within 90 days after you cancel your insurance license in your former home state and you submit a clearance letterfrom that state.
Submit fingerprints Most applicants mustsubmit fingerprints for individuals and business-entity members, officers, directors and owners(regardless of where the members, officers and directors reside) . ARS §§ 20-142(E) , 20-285(E)(2) Not required. Most applicants mustsubmit fingerprints for individuals and business-entity members, officers, directors and owners(regardless of where the members, officers and directors reside) .. ARS §§ 20-142(E) , 20-285(E)(2)
Fulfill license eligibility requirement (individual applicant) Form L-152
ARS § 41-1080
Not required. Form L-152
ARS § 41-1080
Apply for Individual License Apply [ ARS §§ 20-285(A) ] either

Apply [ ARS §§ 20-285(A) ] either

Apply [ ARS §§ 20-285(A) ] using Form L-169
Apply for Business License Apply [ ARS §§ 20-285(A) ] either

Apply [ ARS §§ 20-285(A) ] either

Apply [ ARS §§ 20-285(A) ] using Form L-176
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Securities License Requirements

Any securities professional associated with a member firm-including partners, officers, directors, branch managers, department supervisors, and salespersons-must register with the Financial Industry Regulatory Authority (FINRA). The registration application requires information about the individual's prior employment and disciplinary history. FINRA prescribes two levels of qualification and registration:

  • Registered representatives, generally sales personnel

  • Principals, generally officers of the firm and other management personnel involved in the day-to-day operation of the firm's investment banking or securities business

As part of the registration process, securities professionals must pass examinations administered by FINRA to demonstrate competence in the areas in which they will work. These mandatory qualification examinations cover a broad range of subjects on the markets, as well as the securities industry and its regulatory structure, ensuring a minimum level of understanding and expertise. For additional information, you should consult with your broker-dealer management team. You may also visit FINRA's website for detailed information.

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