State RegulationsAZ specificDifficulty 3/5
More than one year has passed since an Arizona producer's license expired and no renewal was filed. What must the producer do to sell insurance in Arizona again?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under A.R.S. 20-285, the late-renewal path exists only within one year after expiration. Once that window closes, the license is gone, and the producer must apply as a new applicant and meet the current licensing requirements, including the examination. No insurer can reactivate an expired license, and lapsed authority cannot be sold under.
Why the other options are wrong
- A) Wrong because fees alone work only inside the one-year late-renewal window; after that, A.R.S. 20-285 requires a new application.
- B) Wrong because selling under an expired license would be unlicensed activity; no pendency exception exists in Arizona law.
- C) Wrong because reactivation of an expired license is not an insurer power; licensure is controlled by the Arizona Department of Insurance and Financial Institutions.
Memory hook
Past the late window, you start over as a new applicant.