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Arkansas insurance license requirements

Do you want to become an insurance agent and get your Arkansas insurance license? XCEL has taught thousands of aspiring insurance professionals in Arkansas and we make it easy for you to get up to speed on the Arkansas insurance requirements.

Arkansas Insurance License SchoolArkansas Insurance License School

How To Obtain An Arkansas Insurance Producer License

Complete the pre-licensing course

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Casualty Insurance – 20 hours
  • Property Insurance – 20 hours
  • Personal lines - 20 hours 

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter.
  • Mandatory final exam  
  • Completion of this course satisfies the prelicensing education requirement. 

Certificate Information

To be eligible for a Certificate of completion, you must follow several steps:  

  • Completion of the course including final exam.
  • Submit an electronic affidavit acknowledging you were actively engaged in one hundred percent of the course and your participation during the periods of perceived inactivity.
  • Upon completion of your Pre-licensing Affidavit, you will receive an email notifying you that you course completion certification is available to be printed directly from your student dashboard.  
  • Download and Print certificate through the “Transcript” tile on the user dashboard.
  • Certificates are valid for 2 years.
  • Course completion rosters are reported to SBS weekly.  
  • Education providers are required to collect and report students SSN.
  • You will receive an email confirmation from PSI with instructions on how to pay and schedule for the examination. 

Apply for license

  • Submit license application online through www.nipr.com
  • Application fee: $15 plus processing fee

Submit Background Information

Schedule the Arkansas State examination.

  • You will receive an email notification from PSI containing your eligibility and exam information.
  • Registration must be completed online on PSI website: https://www.psiexams.com/arin
  • Single line exam fee $50

Online proctored exams:

  • You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com
  • If your computer is not compatible with the online software, you will need to schedule your examination at PSI test center.
Limitation on repeat examinations:
  • There is a maximum of three attempts to retake an exam within the 90-day period.
  • Candidates who do not pass the examination within 90 days, or who do not pass the examination after three attempts, must wait four weeks, and repeat the entire process of applying for the approval to test.

Pass the state exam

  • Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period.
    • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.

    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.”
  • On the day of testing, you must have the following items:
    • One form of identification bearing your signature, which must be a valid government issued photo id  
    • Valid Certificate(s) of completion – Must be original hard copies 

PSI Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health Life Health
Life Insurance
Types of Policies 12 0 15% 0%
Policy Rider, Provisions, Options and Exclusions 18 0 23% 0%
Completing the Application, Underwriting, and Delivering the Policy 12 0 15% 0%
Tax, Retirement, and Other Insurance Concepts 8 0 10% 0%
Health Insurance
Types of Policies 0 14 0% 18%
Policy Provisions, Clauses, and Riders 0 20 0% 25%
Social Insurance 0 3 0% 4%
Other Insurance Concepts 0 4 0% 5%
Field Underwriting Procedures 0 9 0% 11%
Arkansas State Regulations
Arkansas Statutes, Rules, and Regulations Common to Life and Health Insurance 30 30 38% 38%
Total for all parts
Total Scored Questions on Exam 80 80
Maximum Time Allowed to Complete Exam (in minutes) 150 150
Passing Score 70 70
DESCRIPTION Question Count % of Exam Questions
Property and Casualty Property and Casualty
Casualty Insurance
Types of Policies, Bonds and Related Terms 25 20%
Insurance Terms and Related Concepts 14 11%
Policy Provisions and Contract Law 11 9%
Property Insurance
Types of Policies 25 20%
Insurance Terms and Related Concepts 14 11%
Policy Provisions and Contract Law 11 9%
Arkansas State Regulations
Arkansas Statutes, Rules and Regulations Common to Life and Health, Casualty, and Property Insurance 25 20%
Total for all parts
Total Scored Questions on Exam 125
Maximum Time allowed to complete exam in minutes 210
Passing Score 70
DESCRIPTION Question Count % of Exam Questions
Personal Lines
Federal Laws and Regulations 2 2%
General Insurance Concepts 5 5%
Property and Casualty Insurance Basics 26 27%
Dwelling Policy Concepts 7 7%
Homeowners Policy Concepts 13 14%
Personal Automobile Policy 10 11%
Other Types of Personal Insurance 7 7%
Arkansas State Regulations
Arkansas Statutes, Rules and Regulations Common to Property and Casualty Insurance 25 26%
Arkansas Statutes, Rules and Regulations Common to Personal Lines Insurance 25 26%
Total for all parts
Total Scored Questions on Exam 95
Maximum Time allowed to complete exam in minutes 210
Passing Score 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Apply for License
3. Submit background check
4. Schedule State Exam
5. Pass exam

Governing Agency

Name: Arkansas Insurance Department
Phone: 800-282-9134 Fax: 501-371-2618
Website: https://insurance.arkansas.gov
Address: 1 Commerce Way Little Rock, AR 72202

Arkansas Insurance License Renewal and Compliance Requirements

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

License Renewal Timelines

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years.

  • On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter.

Continuing education requirements must be met before submitting the license renewal application. 

Complete Required Continuing Education

Requirements per License

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application. 

Specific Product Training Requirements

The Arkansas Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products. 

Long-term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance.
  • Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance.
  • The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement.
  • Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course.
  • Non-resident agents may complete these training requirements in any state. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products.
  • Annuity Best Interest course credits count towards the agent's 24-hour CE requirement.
  • Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Arkansas. 

Flood Insurance (NFIP) Training Requirements

  • Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance.
  • The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

Course requirements

  • Licensees can use independent self-study courses to fill all requirements.
  • Licensees must take courses in which the licensed is held.
  • Self-study exams are closed book and require a monitor/proctor.
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles.
  • Excess credit up to 24 hours earned in the previous biennial renewal period cannot be carried over to the next reporting period.  

Reporting to your state

  • Students must provide their National Producer Number (NPN) to report on course completion.
  • $1.00 per credit hour is required to report course completions to your state.
  • Course completions are reported within one business day. 

Renew Your License

Resident and nonresident license renewal applications are processed through NIPR. A $70 renewal fee is required in combination with a $20 CE Filing Fee per license class. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Helpful Resources

Arkansas Department of Insurance - Licensing Division
https://insurance.arkansas.gov/
501-371-2750
mailto:insurance.license@arkansas.gov
1 Commerce Way, Suite 104, Little Rock, AR 72202