Alabama State Requirements
Required Continuing Education Hours
Life Producers; Accident and Health Producers24 CE hours, including 3 hours of ethics, are required every 2-year license term. Producers planning to sell LTC products have special training or education requirements:
- Initial 8-hour LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Alabama, producers must complete an initial 8-hour NAIC LTC training course approved in any state.
- Ongoing 4-hour LTC training requirement: After completing the 8-hour initial training requirement, producers must complete 4 hours of state-approved LTC training every 24-month period following the completion of the initial training and every 24-months thereafter.
Property and Casualty Producers; Personal Lines Producers24 CE hours, including 3 hours of ethics, are required every 2-year license term. Producers who write flood insurance must complete a one-time 3-hour training class on flood insurance and the National Flood Insurance Program (NFIP).
Combined Licenses24 CE hours, including 3 hours of ethics, are required every 2-year license term. Also, see "Category Restrictions" below.
Adjusters24 CE hours, including 3 hours of ethics are required every 2-year license term (see license term below).
Title AgentsTitle Agents need to complete CE every 2-years.
Service Representatives12 CE hours, including 1.5 hours in ethics, are required every 2-year license term.
Roster FeesA roster fee of $1.00 per credit hour ordered is required to process course completion hours in Alabama and will be added ot the order total upon checkout.
Nonresident CE RequirementsNon-resident producers planning to sell Long-Term Care (LTC) have special training or education requirements as described below:
- Initial 8-hour LTC training requirement: before selling, soliciting, or negotiating LTC insurance products in Alabama, nonresident producers must complete an initial 8-hour, NAIC LTC training course approved in any licensed state.
- Ongoing 4-hour LTC training requirement: after completing the 8-hour initial training requirement, nonresident producers must complete 4 hours of state-approved LTC training every 24-month period following the initial training and every 24 months thereafter.
Nonresident licensees can renew their licenses online here.
License TermProducers and Service Representatives: the license term ends on the last day of the producer's birth month, every 2 years. Even birth years renew every even year. Odd birth years renew every odd year.
Adjusters: the license term ends on the last day of the producer's birth month, every 2 years. Even birth years renew every even year. Odd birth years renew every odd year.
Title Agents: the license term ends on the last day of the producer's birth month, every 2 years. Even birth years renew every even year. Odd birth years renew every odd year.
CE Subject Requirements
- Category restrictions: there are no category restrictions in this state. Producers and Service Representatives may take any course approved for CE credit in Alabama. Adjusters and Title agents may take any course approved for P&C credit in Alabama.
- Course presentation: online and paper self-study
- Study requirements: students should read the course material prior to taking a closed-book, proctored final exam.
Final Exam Requirements
- Exam proctor requirements: self-study final exams must be monitored by a disinterested third party. Proctors may not serve for examinations of family members, relatives, or dependents; employers or supervisors; employees or subordinates; co-workers; current or former teachers or pupils; personal friends, or significant others; or for anyone in whom the monitor has an economic or other interest in assuring the successful outcome of the examination. Proctors that can be approved by the Department are professionals such as an attorney, minister, accountant, librarian, or a teacher from a local high school or college.
- Exam rules: self-study final exams are closed book. Producers may not refer to the course material while the exam is in progress. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
CE Carryover AllowanceA producer may carry over up to 24 excess CE hours into the next license term. Excess ethics hours may carry over as ethics credits in the next license term. No more than 3 hours of ethics may be carried over as ethics.
Note: as of January 1, 2013, no CE carryover hours in excess of the required 24 or 12 total hours will be allowed. If you had any excess hours as of December 31, 2012, it will be used to add to your total calculations for the next CE cycle, but no excess CE hours above the 24 or 12 earned after December 31, 2012 will be allowed.
Course Repetition RulesCourses may not be taken for credit more than once in a 2-year compliance period. In order to obtain CE and avoid course duplication, begin the first day after the renewal birth month and end the last day of the month, in the birth month at 2 year renewal.
Example: for a producer who renews in the birth month of September 2012, the 2014 compliance period begins October 1, 2012 and goes thru September 30, 2014.
CE Completion ReportingNext-Day Reporting: American Online Insurance School reports course completions electronically to State Based Systems (SBS) every business day.
Certificate of CompletionAmerican Online Insurance School provides online, printable certificates in Alabama. Certificates of completion are available to print online immediately after the final exam is passed. Because American Online Insurance School reports CE credits directly to SBS, certificates should not be sent to the Alabama Insurance Department unless required for auditing purposes. Producers are required to maintain the original certificate of completion in his or her files.
License Renewal ProcessResident and nonresident licensees can renew their licenses online here.
Producer licenses may be renewed as early as two months before the licensee's birth month, and within a grace period of 30 days after the last day of their birth month with a late fee of $50 added to the regular renewal fee. If not renewed before the end of the grace period, the license will be expired.
Adjusters are allowed to renew their license online between October 1st and December 31st with a renewal fee of $80. If your license is not renewed before January 1st, the license will be expired.
Alabama U.S. Citizenship VerificationEffective December 15, 2015, ALL individual resident and nonresident Alabama applicants must submit proof of U.S. Citizenship or proof of lawful presence before an insurance license can be issued or renewed by the Department of Insurance. Initial resident and nonresident license applicants should use this link to submit proof: at this location.
ALL individual resident and nonresident Alabama applicants whose licenses expire as of February 29, 2016 or thereafter, must submit proof of U.S. Citizenship or proof of lawful presence before their license can be renewed. Licensees should use this link to submit proof: here. Once documentation is received and verified, confirmation will be provided to the applicant via email. This requirement will also apply to Amendments and Reinstatements.
Effective December 15, 2015. In accordance with the Beason-Hammon Taxpayer and Citizen Protection Act, the Alabama Department of Insurance is now required to verify the U.S. Citizenship or lawful presence of ALL APPLICANTS. There are sixteen different identifiers, including your official driver's license, any one of which can be used as proof. For a list of all valid identifiers, please visit: this link.
CE ExemptionsThe following are exempt from Alabama CE requirements:
- Individuals licensed for less than 12 months at the time of their first renewal
- Nonresident producers and adjusters in good standing with their home states
- Producers licensed only for lines of insurance for which an examination is not required
- Producers licensed in Alabama for 15 years and who are at least 60 years of age. Effective January 1, 2013 this exemption will no longer be given. Only those who were quailifed before this date may continue the exemption and will be grandfathered in. They may continue to request exemption unless the license goes inactive for over a year, in which case this exemption will no longer apply.
- Temporary license holders pending passage of the written examination for that line of insurance
- Active members of the Alabama legislature during any portion of the compliance period Producers who are exempt from CE, will still be required to complete LTC training. The Federal Law will not allow exemptions for LTC.
Helpful LinksLook up license number
View your CE transcript
Renew your license online
Alabama DOI Web site
SBS Web site
SBS Contact InformationState Based Systems (SBS)
State Contact InformationAlabama Department of Insurance
Phone: (334) 269-3550
Fax: (334) 241-4192
Alabama Department of Insurance
P.O. Box 303351
Montgomery, AL 36130-3351
ProducerIndividuals must complete a prelicensing course of study for the lines of authority desired before taking any examination. The prelicensing course must consist of 20 classroom hours per line of authority, or equivalent individual instruction, on the general principles of insurance for that line of authority. The lines of authority requiring a prelicensing course are as follows:
- Life - 20 hour course on Life Insurance or 40 hour course on Life & Health Insurance
- Accident & Health or Sickness (Disability) - 20 hour course on Health Insurance or 40 hour course on Life & Health Insurance
- Combined Life / Accident & Health or Sickness (Disability) - 40 hour course on Life & Health Insurance
- Variable Life and Variable Annuity Products line of authority - exempt from both prelicensing course and examination; however, must already hold and maintain "Life" line of authority, must have already passed securities examinations "Series 6" or "Series 7" and "Series 63" or "Series 66" and must be licensed with a registered Broker Dealer in accordance with the rules of the Alabama Securities Commission. During the application process, an applicant will be required to provide the CRD number to verify the exams passed.
Once the prelicensing course is completed and a certificate is awarded, the insurance licensing examination can be taken within one year from the date of the certificate.
How to Get an Alabama Insurance License
- Complete a Pre-licensing Course
When you satisfy the requirements for your course, you will receive a Certificate of Completion. Pre-licensing education is valid for one year from the date of completion; you will need to take and pass your state exam within this timeframe.
- Pass a Licensing Exam
Making Exam ReservationsLicensing exams are provided by the University of Alabama. An exam fee must be paid at the time of reservation by credit card or debit card. All reservations need to be made at least seven days (five business days) before the desired exam date. You can make an exam reservation through the following methods:
- Online: Make an online reservation at http://training.ua.edu/insurance-testing/
- Phone: (205) 348-3000
What to BringBring a current form of identification (a valid Driver's License, non-driver ID, passport, military ID, or employee ID card). You will be required to present a notarized copy of your pre-licensing education Certificate of Completion at the exam.
- Report to the test center 15-20 minutes before the exam to complete paperwork
- Examinees are not permitted to bring purses, study materials, books, calculators, or cell phones into the testing area
- Calculators will be provided for use
- Examinees may not leave the room during an exam without permission from the exam proctor
- If you do not receive your confirmation letter by e-mail, call 205-348-0633 or email your name and confirmation number to email@example.com
- Each major line exam is given in a multiple-choice format
- The passing score required on each exam is 70%
- Your examination will be graded immediately upon submission
- If you pass, you will be provided an original passing certificate certifying that you passed the examination with instruction on how to complete the application process and receive your license
- Your passing grades will be reported within 3-5 days electronically to the State of Alabama Department of Insurance
- The passing certificate is valid for a period of one year from the exam date indicated, during which time you should file your online license application with the State of Alabama Department of Insurance
- The passing certificate will not be awarded until the monitor views passing results
- If time allows, you will be given the opportunity to review the questions that you missed
- Get Fingerprinted
All individual resident applicants seeking to become licensed as Producers, Adjusters, or Title Agents must have completed a Fingerprint background check. You should seek to get fingerprinted after passing the state exam and one day before applying for the license. For more information on fingerprinting requirements, visit www.cogentid.com.
- Apply for a License
After passing the exam, apply for your license by completing an application at http://www.nipr.com. After 5 days, check http://aldoi.gov, and go to the License Search under Producers/Agents to confirm issuance of your license. Once license is issued, you may print your license from the home page.
American Online Insurance School provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither American Online Insurance School nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.