Arkansas insurancelicense requirements
Arkansas insurance license at a glance
- Prelicensing course
- 20 hours per line
- Exam provider
- PSI
- Passing score
- 70%
- Exam fee
- $50 per exam
- License fee
- $15
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Arkansas
Below, you'll find the steps to a Arkansas insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Arkansas insurance producers
Contact the Arkansas insurance department
How much do insurance agents make in Arkansas?
Arkansas average insurance agent salary (all lines): $70,310
That is the mean annual wage for insurance sales agents in Arkansas in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $73,568
- Health insurance agent: $45,604
- Property and casualty insurance agent: $39,500
Please note that salaries will vary based on experience level and local demand.
Does Arkansas require prelicensing education?
Arkansas requires 20 hours of prelicensing education for each line of authority; and 40 for dual line of authority. To earn your certificate of completion: Read every chapter and take the end-of-chapter quiz scoring 70% or better. Spend a minimum of 20 hours studying per line of authority. Complete and pass the Certificate Exam (may also be called Practice Exam: Exam Mode in your course) with a minimum score of 70%. Your exam will be based on the Arkansas exam outline, which can be found in PSI's Candidate Bulletin.
How do I get my insurance license in Arkansas?
Becoming an insurance producer in Arkansas requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: Complete a Department of Insurance-approved prelicensing course. After finishing the course, download and print your certificate of completion from your Achievable online account.
- Step 2: Submit the Electronic Resident Licensing Application via NIPR at https://nipr.com/ and complete the Criminal Background Check at https://www.ark.org/background-check/index.php/home/index/aid. Note that application fees are nonrefundable and nontransferable.
- Step 3: Await your Authorization to Test Confirmation from PSI, which you will receive via email. This confirmation is distinct from the Certificate of Completion and must be obtained from PSI. Allow 4 business days for processing. After this period, you can schedule your exam online or by calling PSI.
- Step 4: Schedule your exam with PSI via https://candidate.psiexams.com. You can choose between a physical PSI examination center or a remote online proctored exam. Register online 24/7 or call PSI at (800) 733-9267 with a valid credit card (VISA, MasterCard, American Express, or Discover). Be aware of security measures regarding what you can bring and wear; consult the PSI candidate bulletin for details by visting https://candidate.psiexams.com/index.jsp. To change or cancel your appointment, contact PSI at least 48 hours in advance to avoid forfeiting your exam fee.
- Step 5: On the day of your exam, bring a valid, current government-issued ID (driver’s license, passport, military ID, etc.) that includes your name, signature, and photograph. Failure to meet these requirements will prevent you from taking the exam.
- Step 6: After you pass, your license is available to print from NIPR at https://nipr.com about 24 hours later; you do not file a second application. For more detailed licensing information, visit the Arkansas Department of Insurance website.
If you need assistance with any of these steps or have questions about specific requirements, contact the Arkansas insurance department for the most current information.
Arkansas insurance exam information
Arkansas Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions (100 scored, 10 pretest) |
| Time limit | 2.5 Hours (90 minutes for General Knowledge, 60 minutes for State Law) |
| Passing score | 70% |
| Pass rate | 57.3% (1,125 of 1,965 first-time test takers, 2025) |
Arkansas Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions (100 scored, 10 pretest) |
| Time limit | 2.5 Hours (90 minutes for General Knowledge, 60 minutes for State Law) |
| Passing score | 70% |
| Pass rate | 57.9% (921 of 1,591 first-time test takers, 2025) |
Arkansas Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 160 Total Questions (150 scored, 10 pretest) |
| Time limit | 3.5 Hours (160 minutes for General Knowledge, 50 minutes for State Law) |
| Passing score | 70% |
| Pass rate | 54.2% (400 of 738 first-time test takers, 2025) |
Arkansas Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (95 scored, 10 pretest) |
| Time limit | 3.5 Hours (130 minutes for General Knowledge, 80 minutes for State Law) |
| Passing score | 70% |
| Pass rate | 51.8% (87 of 168 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Arkansas insurance licensing fees
- Initial individual fees: Resident Insurance Producer $15/$70 (depending on exam), Resident Surplus Lines Producer $1,035, Nonresident Producer $70, Nonresident Surplus Lines Producer $1,035
- Renewal fees: Resident Producer $70, Surplus Lines Producer $120, Nonresident Producer $70, Surplus Lines Producer $120
Arkansas insurance license citizenship requirements
Proof of citizenship required - must comply with state requirements including address and licensing disclosures
Where can I apply for a resident insurance license in Arkansas?
Apply through NIPR
How can I apply for a non-resident insurance license in Arkansas?
- 1. Must be at least 18 years old.
- 2. Must provide a valid business e-mail.
- 3. Must send a copy of the Green Card or work authorization if you're a non-citizen. Must answer background questions.
- 4. Must provide proof of your resident license. Reciprocity generally applies.
- 5. Apply via NIPR ($70 plus NIPR processing fees).
Arkansas carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits just-in-time appointments: Yes
- Agencies appointed and affiliated producers covered: Agencies can be appointed; affiliated producers are not automatically covered
- Initial appointment deadlines/rules: Within 15 days of contract execution or first business submission
- Can be processed via NIPR: Yes
- Appointment fees: Resident $20, Nonresident $60
- State renewal period: June 1 – June 30
Arkansas insurance license termination details
- Termination reasons: Voluntary termination; inadequate production; cancelled by general agent; death; company defunct/liquidation; company indebtedness; poor policyholder service; agent moved; appointed in error; cancelled; cancelled for cause; company merger; revoked; suspended for compliance
- Termination effective date: Date processed by state
- Termination fee: $10
- Carriers cannot terminate solely because license expired
- Notices must be mailed, not emailed
Arkansas insurance license renewals
License valid for 2 years ; Renewal period begins 90 days before expiration ; Renewal date: Last day of birth month every 2 years based on year of first state license issuance ; Late/reinstatement allowed: up to 1 year after expiration
Arkansas insurance license continuing education (CE) requirements
- Total CE hours per renewal: 24 hours
- CE due before license renewal date: Yes
- Ethics requirement: 3 hours
- Flood CE: 3 hours NFIP every 2 years
- LTC-specific CE: 8-hour initial + 4 hours per renewal cycle
- Annuity CE: One-time 4-hour course
- Adjusters CE: Yes, if dually licensed
Arkansas insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Start with the prelicensing requirement: 20 hours per line. After you pass, you have 1 year to apply.
Yes. Arkansas candidates can test online with a remote proctor through PSI, or in person at a test center.
Expect to pay $50 per exam for the exam and $15 for the license. Any exam prep is extra.
Yes. Arkansas sets this requirement: 20 hours per line.
The passing score is 70%. In 2025, 57.3% of first-time test takers passed the Arkansas life exam, according to the NAIC.
Apply through NIPR after you pass your exam.
Arkansas requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing: portal.insurance.arkansas.gov
- Exam provider, exam fee, passing score, online exams and where to apply: test-takers.psiexams.com
- License fee and time to apply after passing: nipr.com
- Continuing education: portal.insurance.arkansas.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Arkansas and exam provider sources as of . Licensing rules and fees change, so confirm them with the Arkansas insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Arkansas, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
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