Free Arizona Insurance FAQs | Free Arizona Insurance Legal Documents

Are There Any Pre-License Examinations That I Must First Take?

Tue, 29 May 2007 21:19:00 GMT

Yes. The following types of licenses for individuals require passing an examination prior to becoming licensed:

Life and/or Disability Agent (Arizona residents only)
Property and Casualty Agent (Arizona residents only)
Property & Casualty Broker (Arizona residents only)
Surplus Lines Broker (All license applicants*)
Bail Bond Agent (Arizona residents)
Adjuster (All license applicants)

Please Note: For the Department to issue a license to a surplus lines broker firm or corporation, at least one individual in each office or place where insurance is to be transacted must be licensed as an agent or broker and must have passed the surplus lines broker examination. A.R.S. § 20411(F)(1).

How Can I Inform The Licensing Section Of My Change Of Address?

Mon, 04 Jun 2007 21:51:22 GMT

Licensees are required by Arizona law to promptly inform the Insurance Department of any change in address [A.R.S. 20302(A) and 20313] within 30 days of the change. The Insurance Licensing Section maintains up to three different addresses for each licensee:

The address and telephone number of the place of business,
A mailing address (if provided by the licensee), and
The address and telephone number of the residence of individual licensees (not applicable for firms and corporations).

Keeping the Insurance Department apprised of your current addresses is critical! In addition to being required by law (which means a failure could result in disciplinary action), the Insurance Licensing Section relies on this information when it sends application materials, circular letters, official notices and other information.

When notifying the Insurance Licensing Department of an address change, please include the following information:

Your full name (or if for a firm or corporation, the full name of the firm or corporation) as stated on your license certificate.
The old address (which has changed) and whether the address is your place of business address, your mailing address or the address of your residence.
The new address.
The name and phone number of the individual that the Insurance Department should contact with any questions concerning your facsimile.

To fax the information, please address your facsimile to the attention of the Insurance Licensing Section (as shown in the example below). The fax number for address changes is (602) 9128473.

* FOR EXAMPLE *
Fax to: INSURANCE LICENSING SECTION Fax #: (602) 9128473 From: Doe, Terry Lee If you have any questions about this fax, please contact: Terry Doe, at (999) 5555555. Former Business Address: 2522 West Fake Street, Suite 221B Simulated City, ZZ 999999999 (999) 5559990 New Business Address: 1122 East Bogus Way, Suite 544 Nowhere, ZZ 999999999 (999) 5555555 Old Residential Address: 5522 West 52nd Street, #233 Simulated City, ZZ 999999999 (999) 5559005 New Residential Address: 1122 East Bogus Way, Suite 544 Nowhere, ZZ 999999999 (999) 5555555 (I now maintain my office in my home)

*** FOR EXAMPLE ***

Fax to: INSURANCE LICENSING SECTION
Fax #: (602) 9128473
From: Doe, Terry Lee

If you have any questions about this fax, please contact: Terry Doe, at (999) 5555555.

Former Business Address:
2522 West Fake Street, Suite 221B
Simulated City, ZZ 999999999 (999) 5559990
New Business Address:
1122 East Bogus Way, Suite 544
Nowhere, ZZ 999999999
(999) 5555555
Old Residential Address:
5522 West 52nd Street, #233
Simulated City, ZZ 999999999
(999) 5559005
New Residential Address:
1122 East Bogus Way, Suite 544
Nowhere, ZZ 999999999
(999) 5555555
(I now maintain my office in my home)

How Can I Obtain A License Status Certification Letter?

Tue, 29 May 2007 21:19:00 GMT

A certificate of license status, or certification letter, is issued to Arizona resident licensees to enable them to apply for nonresident licenses in other states. You can obtain a certification letter at the Insurance Licensing Counter during office hours or by mail.

When requesting a certification by mail:

Download, complete and submit form L198. You must have Adobe Acrobat Reader software installed on your computer to use this document.
Your request must be accompanied by a fee for each certification and a selfaddressed, stamped envelope.
- The fee is $2.25 per letter of certification for requests received on or before June 30, 2000.
- The fee is $2.50 per letter of certification for requests received on or after July 1, 2000.
Mail the completed Form L198 with the appropriate fees and a selfaddressed, stamped envelope to:

Requests received by mail are generally fulfilled in one to four weeks of their receipt. To access the Department`s current processing time for certification letters, call 6029128470 (or 8776600964 when calling outside the Phoenix area) and select the option, FOR INFORMATION CONCERNING THE AMOUNT OF TIME IT TAKES TO PROCESS LICENSE APPLICATIONS AND OTHER REQUESTS.

Requests for certification letters may be made in person. You may visit the Insurance Licensing Counter between 8:00 a.m. and 4:00 p.m., Mondays through Fridays. If you are requesting three or fewer certification letters, the Insurance Licensing Section will try to provide them on the spot. If you are requesting more than three certification letters, the Insurance Licensing Section will mail the certification letters to you in one to four weeks.

How Can I Obtain The Required Forms For A new Insurance Licensing Application?

Tue, 29 May 2007 21:19:00 GMT

The fastest way to retrieve application materials is from the Arizona Insurance Licensing forms page. http://www.state.az.us/id/forms/index.html. You can also obtain application materials from the Insurance Licensing Counter during office hours or by sending or faxing your request for application materials.

When mailing or faxing a request, include the following information:

The name and complete address of the individual to whom you would like the application materials sent. If the address you provide is within a business, please provide the name of the business as part of the address.
Your name, area code and telephone number;
Whether you are requesting forms to license a FIRM/CORPORATION or an INDIVIDUAL
The type of license for which you wish to apply, such as agent, broker, solicitor, adjuster, etc.
The lines of insurance the applicant seeks authority to transact, such as life, disability, property and casualty, etc.
Whether the applicant is a resident of Arizona, or if not, the state in which the applicant holds a resident license.

To fax your request, address your facsimile to the attention of the Insurance Licensing Section (as shown in the following example). The fax number for application form requests is (602) 9128473.

* FOR EXAMPLE *
Fax to: INSURANCE LICENSING SECTION Fax #: (602) 9128473 If you have any questions about this fax, please contact: Terry Doe, at (999) 5555555 Please send the necessary forms and instructions to license AN INDIVIDUAL as an AGENT for LIFE, DISABILITY, and VARIABLE CONTRACTS and AN INDIVIDUAL as an ADJUSTER To the following address: Doe Enterprises, Inc. 5522 West 52nd Street, #233 Simulated City, ZZ 999999999

*** FOR EXAMPLE ***

Fax to: INSURANCE LICENSING SECTION
Fax #: (602) 9128473
If you have any questions about this fax, please contact: Terry Doe, at (999) 5555555

Please send the necessary forms and instructions to license

AN INDIVIDUAL as an
AGENT for
LIFE, DISABILITY, and VARIABLE CONTRACTS

and

AN INDIVIDUAL as an
ADJUSTER

To the following address:

The mailing address is:

Based on the information you provide, the Insurance Licensing Section will send appropriate application materials the following business day. Remember, you are responsible for carefully reading the application instructions and for ensuring you submit all required application materials.

How Can I Receive An Application To Renew An Existing Arizona Insurance License?

Mon, 04 Jun 2007 21:51:22 GMT

The Insurance Licensing Section sends renewal application forms and instructions to licensees between 45 and 90 calendar days prior to the expiration of licenses. If a mailing address was provided to the Department, the renewal application will be sent to that address. If no separate mailing address was provided, the renewal application will be sent to the applicant`s place of business last reported to the Department as of the date renewal applications are produced for mailing.

The forms mailed to licensees are easy to complete because the application is completed with information maintained on the Department`s computer system. The licensee only needs to provide updated information. Alternatively, licensees are able to complete blank renewal forms (ones that have not been partially completed with information on the Department`s computer system). If you have not received your renewal application by 45 calendar days prior to the expiration of your license, you are strongly encouraged to obtain a blank renewal application by:

Retrieving the renewal materials at the Insurance Department Licensing Counter during office hours; OR
Sending or faxing your request to (602) 9128473 for a license renewal application.

How Do I Fax A Request For Forms?

Tue, 29 May 2007 21:19:00 GMT

To request a form by fax, address your facsimile to the attention of the Insurance Licensing Section. The license application fax number is (602) 9128473. Based on the information you provide, the Insurance Licensing Department will send the appropriate application materials the business day following the receipt of your request. You are responsible for carefully reading the application instructions and for ensuring you submit all required application materials.

Because of potential delays, a nonresident applicant is encouraged to request from the resident state a letter of certification three months prior to the expiration of their Arizona insurance license.

How Long Will It Take To Process My License Application?

Tue, 29 May 2007 21:19:00 GMT

Although the Department has up to 180 days to process a license application the Insurance Licensing Section is generally able to issue licenses in one to four weeks. The average license processing time varies because of staff shortages (i.e., staff out sick or on vacation), legislation adding responsibilities to the Section (i.e. licensing time frames, continuing education, etc.), and other reasons.

To keep applicants apprised of their current processing time, the Insurance Licensing Section records an outgoing message on their automated telephone system each day. To access the license application processing time, call (602) 9128470 and select the option, FOR INFORMATION CONCERNING THE AMOUNT OF TIME IT TAKES TO PROCESS LICENSE APPLICATIONS AND OTHER REQUESTS. Some applications, such as applications that are incomplete or incorrect, and applications involving a person with a criminal history, generally require more time to process than the time reported on the telephone system recordings.

What Are The Application Fees And License Expiration Dates?

Tue, 29 May 2007 21:19:00 GMT

It is very important that you send the correct license related fees with your license application.

FEES FOR RENEWING EXISTING LICENSE AUTHORITY
The license renewal fee is stated on the renewal form. Regardless of when you send your application, if your renewal application is not received by the Department on or before the expiration date of your license, your renewal application must be accompanied by the renewal license fee plus an additional $100.00 for the late renewal fee required by A.R.S. 20314. Arizona law provides no exceptions to this requirement. You are solely responsible for ensuring that the Department receives your application prior to the expiration of your license.

INFORMATION PERTAINING TO NEW LICENSES AND ADDING ADDITIONAL LINES/KINDS OF AUTHORITY FOR EXISTING LICENSES

Expiration Dates.
- If you do not presently hold an Arizona insurance license, your license will expire two years after the last day of the month in which the license is issued. For example, if you apply for a license in February 1999 and your license is granted in March 1999, you will be issued a license with an expiration of March 31, 2001.
- If you presently hold an Arizona insurance license and an additional license authority is granted, your additional license authority will expire on the same date as the license authority you have already held (regardless of when you apply for the additional license authority).
License Fees.
- The license fee for a surplus lines broker authority or a Mexican insurance surplus lines broker authority is $450.00 through June 30, 2000. The fee effective July 1, 2000, shall be $500.00.
- The license fee for all other license authority is $45.00 through June 30, 2000. The fee effective July 1, 2000, shall be $50.00
WHEN ADDING LICENSE AUTHORITY TO AN EXISTING LICENSE, only half the license fee must be submitted when the term of the license authority will be one year or less. To determine whether you need to submit a full fee or half fee, look at the expiration date on your license.
- If the date the Department will receive your application is one year or greater from the expiration date on your license, the full fee is required.
- If the date the Department will receive your application is less than one year from the expiration of your license, only half the license fee is required.

Fingerprint Cards and Fees. If you are a resident of Arizona, you must submit a blueoutlined, mattefinish fingerprint card (Form FD258) completed in black ink (*see EXCEPTION below).

A $24.00 fingerprint cardprocessing fee must accompany each fingerprint card.

EXCEPTION: If you are adding additional license authority to an Arizona insurance license that is still active, you do not need to submit another fingerprint card or pay the fingerprint card processing fee if you previously submitted a fingerprint card within one year.

EXAMPLES
If Pat were not presently licensed in Arizona and was applying for surplus lines broker license authority, property & casualty agent license authority, life agent authority and disability agent authority in May 2000, Pat would submit a surplus lines broker license application and an Arizona insurance license application. Pat would pay the $450.00 fee for the surplus lines broker authority and one $45.00 fee for the other license authority (because the Department would receive the application prior to July 1, 2000). Pat would submit one fingerprint card (not two) and would pay one $24.00 fingerprint cardprocessing fee. Therefore, the total amount Pat would pay would be $519.00 ($450.00+45.00+24.00). Pat`s license would expire May 31, 2002 . If Pat held a life agent license which expires in September 2000 and in August 2000 applied for Variable Contracts Agent authority, Pat would have to pay $25.00 (half the license fee effective July 1, 2000). If Pat had not submitted a fingerprint card and fingerprint cardprocessing fee to the Insurance Licensing Section within one year, Pat would need to submit these with the application.

EXAMPLES

If Pat were not presently licensed in Arizona and was applying for surplus lines broker license authority, property & casualty agent license authority, life agent authority and disability agent authority in May 2000, Pat would submit a surplus lines broker license application and an Arizona insurance license application. Pat would pay the $450.00 fee for the surplus lines broker authority and one $45.00 fee for the other license authority (because the Department would receive the application prior to July 1, 2000). Pat would submit one fingerprint card (not two) and would pay one $24.00 fingerprint cardprocessing fee. Therefore, the total amount Pat would pay would be $519.00 ($450.00+45.00+24.00). Pat`s license would expire May 31, 2002 .
If Pat held a life agent license which expires in September 2000 and in August 2000 applied for Variable Contracts Agent authority, Pat would have to pay $25.00 (half the license fee effective July 1, 2000). If Pat had not submitted a fingerprint card and fingerprint cardprocessing fee to the Insurance Licensing Section within one year, Pat would need to submit these with the application.

If you have any doubt as to what fee you need to pay, call the Insurance Licensing Section at (602) 9128470 or (877) 6600964 when calling within Arizona but outside the Phoenix Area.

What Are The Main Forms That I Will Likely Need?

Tue, 29 May 2007 21:19:00 GMT

The main applications are Form L168 for surplus lines broker licenses and Form L169 for other licenses.

What Are The Office Hours?

Tue, 29 May 2007 21:19:00 GMT

The Insurance Licensing Section is open Mondays through Fridays, 8:00 AM to 5:00 PM except on Stateobserved holidays. On the spot licensing is available from the Phoenix and Tucson Offices from 8:00 AM to 4:00 PM.

If you will be visiting the Phoenix or Tucson Insurance Licensing Counter, please arrive at least one hour before closing time. The fastest inperson service is available during the middle two weeks of the month. The best times to visit are from 8:00 a.m. to 10:30 a.m.; and from 2:00 p.m. to 3:30 p.m. on Tuesdays, Wednesdays and Thursdays.

The information in this web site is also available 24 hours a day through prerecorded messages on Insurance Licensing Hotline at (602) 9128470, or (877) 6600964 when calling in Arizona outside the Phoenix Area.

What Error Do Licensing Applicants Most Frequently Make?

Tue, 29 May 2007 21:19:00 GMT

Not providing the full name and the NAIC number of the insurance companies that the applicant will be authorized to represent is the most frequently made error by license applicants. Your application is accompanied by detailed instructions describing the information required to be completed on the application form and any additional materials that must be provided. It is critical that you carefully read through the entire set of instructions prior to completing your application to ensure the information you provide in your application is complete and correct.

For example: For ABC Insurance Company of the Americas:

Do not write: ABC
Do not write: ABC Insurance
Do not write: ABC Insurance Group
Do not write: ABC Insurance Company
WRITE: ABC Insurance Company of the Americas, # 99999

If you are applying for a disability agent license, do not include companies which are only authorized to write property and casualty insurance.

What Information Should I Include When Mailing Or Faxing A Request For A Renewal Application?

Tue, 29 May 2007 21:19:00 GMT

When mailing or faxing a request for renewal application materials, include the following information:

The full first, middle and last names of the licensee;
The licensee`s Arizona insurance license number, located in the lower left area of the license certificate;
Your name, area code and telephone number;
The full address to which you would like the application materials sent. If the address you provide is within a business, the US Postal Service requires the name of the business to be part of the address.
State that you are requesting renewal application materials.

What Is The Best Way For Me To Submit My Application Materials?

Tue, 29 May 2007 21:19:00 GMT

You may choose to mail your application or deliver your application to the department in person.

If you are renewing an existing license:

The Insurance Licensing Section must receive your complete and correct license application materials and accompanying fees on or before the expiration date of your license for your license to remain in force.
If you fail to timely renew your license, the Insurance Licensing Section is permitted by law to renew your license if your complete and correct application materials are received (1) within six months after the expiration of your license and (2) your application materials are accompanied by the renewal license fee plus a $100 late renewal fee (A.R.S. §20314).

If you deliver the application in person, the Insurance Department can review your application during your visit. Under certain circumstances, you may be able to receive your license certificate in as little as 30 minutes.

If you wish to mail your application, then you must address your envelope exactly as follows:

Make your fees payable to:Insurance Licensing Section.

What Is The On The Spot Licensing Program?

Tue, 29 May 2007 21:19:00 GMT

The Insurance Licensing Section offers Onthespot licenses under certain conditions when applicants deliver their license applications in person to the Insurance Licensing Counter for review.

You may be eligible for an onthespot license under the following circumstances:

You must deliver the application directly to the Phoenix or Tucson Office Insurance Licensing Counter between 8:00 a.m. and 4:00 p.m. Mondays through Fridays (except Stateobserved holidays) and wait while the licensing technician reviews the application and updates the computerized license file.
You must not bring more than two license applications for onthespot review during one visit.
You must have fully and properly completed all application materials, passed any and all required examinations, and achieved license qualifications.

Certain types of license applications require too much time to qualify for on the spot review. For example, applications for firms or corporations cannot be processed on the spot. In addition, other types of licenses may not qualify. License applications that are not reviewed on the spot are generally reviewed within one month of receipt of your application and fee payment.

Where Is The Insurance Licensing Counter Located?

Tue, 29 May 2007 21:19:00 GMT

The Department of Insurance has offices in Phoenix and Tucson. The Phoenix Insurance Licensing Counter is located at 2910 North 44th Street in Phoenix, Second Floor, near the northwest corner of 44th Street and Thomas. On the northwest corner is a Bank of America branch. The office is directly west of the Bank of America in the fourstory brown building.

Parking is available directly east of the building (between the bank and our building) and on the upper level of the parking structure located to the west of the building.

The Tucson Insurance Licensing Counter is located at 400 West Congress Street in Tucson, Suite 152. The building is located on the north side of Congress Street approximately 1/2 mile east of I10.

The mailing address is:

Why Is It Important That I Provide The Full And Complete Names And Naic Numbers Of The Insurance Companies?

Tue, 29 May 2007 21:19:00 GMT

When your potential customers call the Insurance Licensing Section to ask whether you are authorized to represent particular insurance companies, it is important that the insurance companies provide the correct information.
Arizona law requires license applicants (other than broker or adjuster) to identify the insurers they will be authorized to represent when licensed.
Your failure to provide the full and complete information may delay or prevent your becoming licensed. If you do not know the full name and NAIC numbers of each of the insurers you will be authorized to represent in Arizona, contact the individual(s) for whom you will be working.

If you know the name but need the NAIC number of an insurance company check here: http://www.state.az.us/id/naicnumbers/index.html.

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