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How to get an insurance license in Arkansas. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $144.60 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
Most information on this page has been verified.
91% of data points are verified against official sources. 2 fields based on preliminary research. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$144.60
Gov. Fees (Both)
Insurance Producer
Arkansas licenses insurance producers by lines of authority with required pre-licensing education of 20 hours per line. Available lines include Life, Accident & Health, Property, Casualty, Personal Lines. Applicants must complete pre-licensing education and pass a background check before taking the exam through PSI.
Other Available Lines of Authority
No pre-licensing education required
Not required.
Arkansas Property & Casualty Insurance Exam
Administered by PSI
160
Questions
70%
Passing Score
3.5 hours (160 minutes General Knowledge + 50 minutes State Law)
Time Limit
$50
Exam Fee
160 total questions (150 scored, 10 pretest). Time limit: 3.5 hours. Exam covers general insurance knowledge and Arkansas-specific state law. Must apply for license before taking exam - wait for PSI authorization (2-5 days).
No pre-licensing education required
Not required.
Arkansas Life & Accident & Health Insurance Exam
Administered by PSI
90
Questions
70%
Passing Score
2.5 hours
Time Limit
$50
Exam Fee
90 total questions (80 scored, 10 pretest). Time limit: 2.5 hours. General portion contains 60 scoreable questions (90 minutes). State law portion also included. Must apply for license before taking exam.
Minimum Age
18 years old
Education
No formal education requirement beyond pre-licensing courses
Residency
Must provide proof of residency within the state of Arkansas for resident licenses
Background Check
Fingerprint-based criminal background check must be completed through the Arkansas State Police BEFORE taking an exam. Background check is submitted electronically.
Fingerprinting
Required
Citizenship
Must have a valid SSN or FEIN
| Fee | Amount |
|---|---|
Application Fee NIPR application fee plus $5.60 NIPR transaction fee | $50 |
P&C Exam Fee Property & Casualty exam fee through PSI | $50 |
L&H Exam Fee Life & Accident & Health exam fee through PSI | $50 |
Fingerprinting Fee Criminal background check fee paid electronically when background is submitted | $24 |
Total Gov. Fees (Single Line) Application ($15) + one exam ($50) + fingerprinting ($24) + NIPR transaction fee ($5.60) for one line of authority | $94.60 |
Total Gov. Fees (Both Lines) Application ($15) + P&C exam ($50) + L&H exam ($50) + fingerprinting ($24) + NIPR transaction fee ($5.60) | $144.60 |
Pre-Licensing Course Cost: $150-$400(per line)
Varies by provider. Per line. NOT a government fee.
Complete 20 hours of approved P&C pre-licensing education
Complete fingerprint-based criminal background check through Arkansas State Police
Apply for your license through NIPR (nipr.com) and pay the $15 application fee
Wait 2-5 days for PSI exam authorization
Register for and pass the P&C exam through PSI (test-takers.psiexams.com) with 70% or higher
License is issued upon passing the exam and completing the application
Obtain appointment from at least one insurance carrier
Complete 20 hours of approved L&H pre-licensing education
Complete fingerprint-based criminal background check through Arkansas State Police
Apply for your license through NIPR and pay the $15 application fee
Wait 2-5 days for PSI exam authorization
Register for and pass the L&H exam through PSI with 70% or higher
License is issued upon passing the exam and completing the application
Obtain appointment from at least one insurance carrier
Important: A license alone does not allow you to sell insurance
After obtaining your license, you must be appointed by at least one insurance company to sell their products. Residents must also attach a surety bond (Form AID-LI-SLBB) in favor of the State of Arkansas in the amount of $50,000.
Appointment fee: Paid by carrier
Non-resident producers apply through NIPR. Arkansas participates in the NIPR electronic licensing system.
Additional requirements: Non-resident applicants must hold a valid resident license in their home state. Effective September 13, 2025, military service members, veterans, and spouses have expedited licensure options.
Renewal Cycle
2 years
Renewal Fee
$70
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE every 2-year renewal period, including 3 hours of ethics. Additionally, a $20 CE Filing Fee per license class is required at renewal.
Regulatory Board
Unique to Arkansas: Arkansas is unique in requiring applicants to apply for their license BEFORE taking the exam (not after). They also require a $50,000 surety bond for resident producers. The background check must be completed through the Arkansas State Police before exam authorization is granted.
Explore requirements for other professional licenses in Arkansas.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#42 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$38,340
25th percentile
Median
$51,280
-15% vs. national avg ($60,370)Experienced
$76,870
75th percentile
Wage Distribution (Annual)
3,890 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder+46% salary growth potential
You are here
Insurance Agent
$51,280
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$51,280
Adjuster licensing + claims experience
$75,030
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Source: Arkansas Insurance Department — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Arkansas Insurance Department — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Arkansas Insurance Department — Licensing Requirements
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