Producer (agent/broker)

DEFINITION

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.

WHO MUST BE LICENSED

You can only sell, solicit or negotate a line of insurance in Arizona if you are licensed as an insurance producer for that line 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.

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)
Fees (nonrefundable per ARS § 20-167(A))	License fee (see "Fees" on the PRODUCERS page). ARS § 20-167(A)(10)(a) Fingerprint card processing fee (see "Fees" on the PRODUCERS page) for each fingerprint card accompanying your application. ARS § 41-1750(L)
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 exam unless 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 letter from that state.
Submit fingerprints	Most applicants must submit 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 must submit 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 the license
Individual	Apply [ARS §§ 20-285(A)] either Online using NIPR eRL, or On paper using Form L-169	Apply [ARS §§ 20-285(A)] either Online using NIPR eNRL, or On paper using Form L-169	Apply [ARS §§ 20-285(A)] using Form L-169
Business entity	Apply [ARS §§ 20-285(A)] either Online using NIPR eRL, or On paper using Form L-176	Apply [ARS §§ 20-285(A)] either Online using NIPR eNRL, or On paper using Form L-176	Apply [ARS §§ 20-285(A)] using Form L-176
View your license	View your license	View your license	View your license

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