Arkansas Producer Licensing
The state portion of the Arkansas life and health exam begins with how a person becomes and stays a licensed producer in Arkansas. This chapter covers the Arkansas Insurance Department and its authority, the license you need to sell life and health products, how appointments connect you to an insurer, and the continuing education and renewal rules that keep the license active. These state rules sit on top of the shared national concepts and are the most heavily weighted part of the supplement.
The Arkansas Insurance Department and Its Authority
Arkansas regulates the business of insurance through the Arkansas Insurance Department, headed by a Commissioner appointed by the Governor. The department is led by a Commissioner of Insurance appointed by the Governor. The regulator has authority to issue, deny, suspend, and revoke licenses, adopt rules, investigate complaints, and enforce the state insurance code. Knowing which body — not a bank or financial-services agency — licenses producers is a common exam point.
License Types and Qualifications
To sell life and health products in Arkansas, a producer obtains a resident producer license with the life line of authority and the accident and health (or sickness) line of authority. Applicants generally must be at least 18, complete an application, pass the state licensing examination through the department's testing vendor, submit to a background check (often including fingerprints), and pay the required fee. Any prelicensing course-hour requirement is set by the department; confirm the current rule before scheduling the exam.
Appointments and Continuing Education
Holding a license lets a person act as a producer, but to represent a specific insurer the company must appoint the producer and file that appointment with the department; a producer may hold appointments with several insurers at once. Licenses renew on a set cycle, and Arkansas requires approved continuing education — including an ethics component — each renewal period, plus the renewal fee. Letting CE or renewal lapse can cause the license to expire, after which reinstatement rules and penalties may apply. Always verify current CE hour totals with the department.
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State-specific details
State exam facts
- State regulator
- Arkansas Insurance Department
- Exam vendor
- PSI
- Prelicensing education
- 20 hours per line of authority
- Passing score
- 70%
Who regulates life & health insurance licensing in Arkansas?
The Arkansas Insurance Department (AID) licenses producers and contracts with PSI Services to administer the Life & Health producer examinations.
Does Arkansas require prelicensing education for the life & health exam?
Yes. Arkansas requires 20 hours of prelicensing education per line of authority, completed before you take the state licensing exam.
How is the Arkansas life & health exam administered?
The exam is delivered by PSI Services, with separate Life and Health sections, each requiring a 70% passing standard.
Sources: https://insurance.arkansas.gov/site/assets/files/1744/psi_exam_handbook.pdf, https://www.psiexams.com/
In the Arkansas Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.