How to Get a Life and Health Insurance License in Arizona

The steps in Arizona

1. Prepare for the examArizona does not require a pre-licensing course. Most people still use an online prep course and practice exams.
2. Pass the state examExams are run by PSI. You take one combined life and health exam. You need a score of 70 to pass.
3. Get fingerprintedArizona requires fingerprints for a background check, about $31.
4. Apply for your licenseApply online through NIPR. One $120 application covers both lines and the license lasts about 4 years; NIPR adds about $5.60.
5. Get appointedThe insurance companies you will represent appoint you. When you join an agency, it usually handles this for you.

What it costs

Pre-licensing course	Not required (optional prep, often $50 to $350)
State exam	$59 per attempt
Fingerprints	$31
License fee	$120
Typical total	$210 to $619

The low end assumes you pass the first time without a paid course. The high end includes a full-price course and one retake. Many agencies cover or reimburse licensing costs, so ask before you buy anything.

Estimate my exact cost

Good to know

• Register with the Arizona DPS fingerprint portal first and put your DPS number on the application, then book Fieldprint after you apply ($8.25 to Fieldprint plus $22.44 to DPS). Selling annuities takes 4 hours of annuity training first.
• After you are licensed: 48 hours of continuing education every 4 years, including 6 hours of ethics.

Official sources

• Arizona resident licensing requirements
• test-takers.psiexams.com/api/content/bulletin/12139
• azleg.gov/ars/20/02902.htm
• azleg.gov/ars/20/00289.htm

New to licensing? Start with How to Get Your Life and Health Insurance License for the full picture.

Checked against official Arizona sources in October 2026. Fees and rules change, so confirm with the Arizona insurance department before you pay. This is general information, not licensing advice.