Alabama Insurance License Classes Online

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Online Course

Alabama Life and Health Pre-licensing

$199.00
Online Course

Alabama Life Pre-licensing

$199.00
Online Course

Alabama Health Pre-licensing

$199.00
Online Course

Alabama Property and Casualty Pre-licensing

$199.00

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Alabama State Insurance Licensing Requirements

HOW TO OBTAIN AN ALABAMA INSURANCE PRODUCER LICENSE

Complete the prelicensing course.

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Life, Accident & Health – 40 hours
  • Casualty Insurance – 20 hours
  • Property Insurance – 20 hours
  • Property and Casualty – 40 hours
  • Personal lines – 20 hours
  • Adjusters including Property and Casualty and Workers Comp – 40 hours
  • Adjusters excluding Property and Casualty and Workers Comp – 20 hours

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.
  • Mandatory final exam

Certificate Information:

  • Certificates will be available upon completion of the course and passing the final exam with a minimum score of 70%.
  • Download and Print certificate though the “Transcript” tile on the user dashboard.
  • Certificates are valid for 12 months.

Schedule the Alabama State examination.

Online proctored exams:

  • After submitting your registration, you will receive an email within 2 business days from “Alabama Support” to set up your account and upload your prelicensing certificate.
  • You will receive a 2nd email to upload your driver’s license.
  • Upon approval you will receive a 3rd email with instructions to download Proctor Free. You will be instructed to start your exam at your convenience.

Limitation on repeat examinations:

  • After the second failure of an examination, an examinee cannot take the examination for that line of authority until after a 90-day waiting period. After an examinee has failed an examination four times, the examinee thereafter has a 180-day waiting period for each subsequent examination for that line of authority. The waiting period starts over in 24 months from the last failure

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
  • On the day of testing, you must present a valid government issued photo id and certificate of completion.

Submit your Fingerprints

  • The state of Alabama requires fingerprinting. Schedule your reservation after passing the state exam and one day before you apply for your license at https://www.aps.gemalto.com/index.htm
  • Fingerprint Fee $48.95

Apply for license

  • Submit license application online through www.nipr.com
  • Application fee $80
  • Submit proof of citizenship https://aldoi.gov/LicenseeCZ/Initial.aspx
    • In accordance with the Beason-Hammon Taxpayer and Citizen Protection Act, Alabama requires all applicants to verify proof of citizenship. You can find a list of valid documents here.

Exam Outlines

DESCRIPTION Question Count % of Exam Questions
L&H Life Health L&H Life Life and Health
Part 1 – General – Life and Health Insurance
Purpose of Insurance 8 8 6 5% 5% 6%
Contract Law 11 10 7 7% 8% 7%
Underwriting and the Application 11 9 8 7% 7% 8%
Part II – Life Insurance
Traditional Life Policies 11 18 0 7% 14% 0%
Flexible Feature Life Policies 3 5 0 2% 4% 0%
Policy Provisions 15 22 0 10% 18% 0%
Policy Options 10 13 0 7% 10% 0%
Policy Riders 5 8 0 3% 6% 0%
Annuities and Retirement Plans 5 6 0 3% 5% 0%
Business and Group Life 4 6 0 3% 5% 0%
Social Security 2 2 0 1% 2% 0%
Part III – Health Insurance
Health Foundations 10 0 12 7% 0% 12%
Medical Expense Policies 7 0 9 5% 0% 9%
Disability Income Policies 6 0 10 4% 0% 10%
Uniform Individual Health Policy Provision Law 7 0 11 5% 0% 11%
Optional Provisions 3 0 5 2% 0% 5%
Group Health 5 0 7 3% 0% 7%
Medicare and Medicaid 3 0 4 2% 0% 4%
Limited Health Insurance Policies 7 0 10 5% 0% 10%
Part IV – Alabama Insurance Law
All Licensing Candidates 8 9 9 5% 7% 9%
Life Insurance Candidates 7 9 0 5% 7% 0%
Accident and Health (Disability) Insurance Candidates 5 0 7 3% 0% 7%
Total for All Parts
Total Scored Questions on Exam 150 125 100 150 125 100
Maximum Time allowed to complete exam in minutes 180 150 120 180 150 120
Minimum Correct for Passing Score 105 87 70 105 87 70

 

Description Questions on Exam % of Exam Questions
P&C Property Casualty Personal Lines P&C Property Casualty Personal Lines
Part I – Property & Casualty Fundamentals
Property & Casualty Vocabulary 9 12 12 10 6% 12% 10% 10%
Contract Law 7 8 8 8 5% 8% 6% 8%
Basics of Property Insurance 9 10 0 9 6% 10% 0% 9%
Basics of Liability Insurance 5 0 8 7 3% 0% 6% 7%
Part II – Personal Lines
Homeowners & Dwelling Policies 16 28 0 27 11% 28% 0% 27%
Personal Auto Policy 14 0 13 13 9% 0% 10% 13%
Watercraft and Flood Policies 4 2 2 4 3% 2% 2% 4%
Part III – Commercial Lines
The Commercial Package Policy 4 8 8 0 3% 8% 6% 0%
Commercial Property 10 16 0 0 7% 16% 0% 0%
Commercial General Liability 15 0 19 0 10% 0% 15% 0%
Crime and Fidelity Bonds 8 0 8 0 5% 0% 6% 0%
Equipment Breakdown Coverage 4 0 4 0 3% 0% 3% 0%
Other Commercial Policies 17 0 19 0 11% 0% 15% 0%
Businessowners Policy 4 0 4 0 3% 0% 3% 0%
Workers Comp and Employers Liability 4 0 4 0 3% 0% 3% 0%
Part IV – Alabama Law
All Licensing Candidates 9 11 10 11 6% 11% 8% 11%
Property & Casualty Candidates 5 5 3 5 3% 5% 2% 5%
Total for Part IV – Alabama Law 20 16 16 22 13% 16% 13% 22%
Total for All Parts
Total Scored Questions on Exam 150 100 125 100 150 100 125 100
Maximum Time allowed to complete exam in minutes 180 120 150 120 180 120 150 120
Minimum Correct for Passing Score 105 70 87 70 105 70 87 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Print certificate
3. Register for exam
4. Pass exam
5. Submit Fingerprints
6. Apply for license
7. Submit proof of citizenship

Governing Agency

Name:
Alabama Dept of Insurance Phone: 334-269-3550
Fax: 334-241-4192
Website: http://www.aldoi.gov/
Address: 201 Monroe Street Suite 502 Montgomery, AL 36104

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.