3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Arizona

✅ Approved by Arizona Department of Insurance and Financial Institutions | Provider #500032084 | Course #6000223707 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved hours toward your Arizona insurance license continuing education with a course approved by the Arizona Department of Insurance and Financial Institutions for only $15.99. The hours apply to your 48-hour, four-year requirement and the course is approved in the Property & Casualty category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion through the NAIC State Based Systems within 15 days.

✅ Course Details

• Course name: 3 Hrs Insurance Fraud and Claims Handling (P&C Focus)
• Approved by: Arizona Department of Insurance and Financial Institutions
• Provider number: 500032084
• Course number: 6000223707
• Course length: 3 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $15.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion through the NAIC State Based Systems within 15 days
• Page URL: https://1stchoice-ce.com/courses/checkout/arizona/3hr-insurance-fraud-and-claims-arizona/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Agents who take first notice of loss from clients
• Producers who work closely with adjusters on auto and property claims
• Agency staff who document claims and client communications
• Agents who want a clearer line between a suspicious claim and a fraudulent one
• Producers who need property and casualty credit toward Arizona's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved hours toward the 48 hours an Arizona resident major-line producer must complete during each four-year license period. It does not satisfy the requirement on its own, and it does not satisfy the 6-hour ethics requirement.

Arizona places no cap on self-study or online hours, so these 3 hours count in full even though the course is delivered online.

✅ Arizona Continuing Education Requirements

Arizona sets continuing education by statute rather than by rule. Under A.R.S. § 20-2902, a resident major-line insurance producer whose license period began on or after January 1, 2014 must complete at least 48 credit hours of Arizona-approved continuing education during that license period, including at least six credit hours of ethics training. Arizona producer licenses expire quadrennially under A.R.S. § 20-289, on the last day of the month of the licensee's birthday, so the 48 hours are spread across a four-year term rather than a two-year one. Continuing education applies to Arizona residents holding a major line of authority; it is not required of business entities, bail bond agents or adjusters.

• 48 credit hours of Arizona-approved CE for each four-year license period
• At least 6 of those 48 hours must be ethics training
• Licenses expire quadrennially on the last day of the licensee's birth month
• No cap on self-study or online hours - all 48 may be completed online
• Excess credits do not carry over from one license period to the next
• The same approved course earns credit only once in a license period

Arizona places no limit on how many of the 48 hours may be completed by self-study or online course, so the entire requirement can be met online. Excess credits do not carry forward to the next license period, and a licensee earns credit for a particular approved course only once during a single license period. Arizona's only statutory CE exemption covers producers continuously licensed in Arizona since January 1, 1995 who have never held a nonresident license in another state and have never been subject to a director's order. There is no professional designation exemption. A nonresident licensed in Arizona generally satisfies Arizona's requirement by complying with the home state's requirements.

How this course helps: This 3-hour course contributes 3 of the 48 credit hours an Arizona resident major-line producer must complete during each four-year license period. It is general credit, so it does not count toward the 6 required ethics hours. After this course you will still need the remaining hours and all 6 ethics hours to complete the license period.

✅ When Do Licensees Renew?

Arizona producer licenses run on a four-year cycle and expire on the last day of the month of your birthday. Because a first license period is set at not less than three and not more than four years from issuance, your first term may be shorter than four years. The requirement is tied to the license period, not to a calendar year, so confirm your own expiration date on your license record rather than assuming a four-year anniversary.

✅ How to Renew Your Arizona License

1. Look up your license record and confirm your exact expiration date, license class and lines of authority. Arizona issues licenses online only.
2. Complete all 48 approved credit hours, including at least 6 hours of ethics, before your expiration date. Arizona will not renew a license without proof the hours were completed.
3. Allow time for course completions to post. The provider reports rosters within 15 calendar days, and Arizona advises that renewal applications may take up to a month to process.
4. Check your CE transcript in SBS License Manager to confirm every course posted and the ethics hours are showing in the ethics category.
5. Renew online at NIPR.com, or file Form L-191 with DIFI by mail. Renewal can be started up to 90 days before expiration.
6. Pay the $120 renewal fee for each license class. The fee is non-refundable and is not prorated.
7. Save the receipt and confirm the license shows active status with an updated expiration date.

There is no grace period that lets you keep working. If DIFI has not received a complete renewal application and the full fee by the expiration date, the license expires at midnight and you must stop transacting insurance business. For one year after expiration you may still renew by filing a renewal application with the $120 fee plus a $100 late renewal fee. After that year, the filing is treated as a new original license application.

✅ What You Will Learn

• Define material misrepresentation and explain why materiality, not the lie itself, decides the outcome
• Distinguish soft fraud from hard fraud and opportunistic from organized activity
• Recognize the recurring red flags in staged auto losses and inflated property claims
• Follow a property and casualty claim from notice of loss through investigation to settlement
• Escalate a fraud concern correctly without accusing a client
• Apply fair claims practices standards to your own file documentation

✅ Course Content Overview

Hour 1: What insurance fraud actually is: material misrepresentation, concealment, intent and loss causation. The difference between an application misstatement and a fraudulent claim, and why materiality controls whether a policy responds.

Hour 2: Fraud patterns in practice: staged and caused auto accidents, phantom passengers, inflated repair and contents estimates, prior damage presented as new, and the organized activity that recurs across territories.

Hour 3: The claims lifecycle and your role in it: notice of loss, investigation, reservation of rights, settlement and denial. How to escalate a fraud concern through the right channel, fair claims practices, and documentation that protects the client and the file.

✅ Other Arizona Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Arizona – $15.99
• 3-Hour Flood Insurance (NFIP) - Arizona – $15.99
• 4-Hour Annuity Best Interest and Suitability - Arizona – $15.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Arizona – $15.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Arizona – $29.99
• 5 HRs Life Insurance Products and Retirement Planning - Arizona – $15.99
• 4 HRs Medicare Advantage and Part D Update - Arizona – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Arizona – $15.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Arizona
• Affordable at $15.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) for $15.99 and complete your 3 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.