Alabama
Alabama Insurance Prelicensing Requirements
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How to Obtain an Alabama Insurance License
Becoming a licensed insurance producer in Alabama requires completing several state-mandated steps, including prelicensing education, passing the state exam, fingerprinting, and submitting an application. This guide outlines the necessary steps to help you navigate the process efficiently.
Step 1: Fulfill Prelicensing Education Requirements
Before you can take the Alabama insurance licensing exam, you must complete an approved prelicensing education course. The required study hours depend on the line of authority you choose:
| Line of Authority | Required Hours |
| Life Insurance | 20 hours |
| Health Insurance | 20 hours |
| Life & Health Insurance | 40 hours |
| Property Insurance | 20 hours |
| Casualty Insurance | 20 hours |
| Property & Casualty Insurance | 40 hours |
| Personal Lines Insurance | 20 hours |
Key Notes:
- Prelicensing courses can be taken online, supplemented with additional study materials.
- Your prelicensing provider must track your course completion time.
- You will receive a Certificate of Completion upon fulfilling the required study hours.
- Certificates are valid for one year from the date of issuance.
Step 2: Schedule and Pass the Licensing Exam
Once you have completed your prelicensing course, you are eligible to take the state licensing exam.
Exam Details:
- Exams are administered by the University of Alabama.
- The exam can be taken in person or remotely.
- Exam fees must be paid when making a reservation.
- A passing score of 70% or higher is required.
Exam Length & Question Format:
| Exam Type | Time Limit | Number of Questions |
| Life Insurance Exam | 2 hours 30 min | 125 |
| Health Insurance Exam | 2 hours | 100 |
| Life & Health Insurance Exam | 3 hours | 150 |
| Property Insurance Exam | 2 hours | 100 |
| Casualty Insurance Exam | 2 hours 30 min | 125 |
| Property & Casualty Insurance Exam | 3 hours | 150 |
| Personal Lines Insurance Exam | 2 hours | 100 |
How to Schedule Your Exam:
- Online at University of Alabama Testing Services
- Call (205) 348-3000 to schedule.
- Reservations must be made at least 7 days in advance.
- Remote testing requires a compatible device (desktop/laptop, webcam, microphone) and Proctor Free software.
Step 3: Complete Fingerprinting
The Alabama Department of Insurance requires all applicants to complete fingerprinting.
Fingerprinting Process:
- Schedule an appointment with an approved fingerprinting vendor.
- Ensure fingerprinting is completed after passing the licensing exam and before applying for your license.
- Fingerprints are submitted electronically to the Alabama Department of Insurance.
Step 4: Apply for Your Insurance License
Once you have passed the exam and completed fingerprinting, you can apply for your insurance license.
Application Process:
- Submit an application online through the National Insurance Producer Registry (NIPR) at www.nipr.com.
- Pay the required licensing fee.
- License processing takes approximately 5 business days.
- After approval, confirm your license status using Alabama’s License Search tool under Producers/Agents.
- Print your license from the Alabama Department of Insurance website.
Step 5: Maintain Your License with Continuing Education (CE)
To keep your Alabama insurance license active, you must complete continuing education (CE) every two years.
CE Requirements:
- 24 hours of CE for most license types.
- 3 hours must focus on ethics training.
- Additional requirements apply if selling long-term care insurance or annuities.
- Non-resident producers must meet their home state’s CE requirements.
For the most up-to-date CE guidelines, visit the Alabama Department of Insurance website.
Frequently Asked Questions (FAQs)
Am I exempt from taking the licensing exam?
You may be exempt if applying for the following license types:
- Variable Life & Annuities (requires Life license & FINRA registration)
- Credit, Rental Vehicle, Crop, Portable Electronics, Travel, Legal Services, Dental Services, Motor Club
- Resident license applicants licensed in another state within the last 90 days
Where can I take the state licensing exam?
Exams are available at University of Alabama testing centers in:
- Birmingham
- Huntsville
- Mobile
- Tuscaloosa
- Montgomery
Can I take the exam remotely?
Yes. Remote exams are provided through Adjuster Pro. Requirements include:
- Compatible desktop or laptop (no phones/tablets allowed).
- Approved ID verification via Proctor Free software.
- A quiet, private testing environment.
- Contact Adjuster Pro Support at (205) 348-0633 for assistance.
How long is the licensing exam?
- Depending on the insurance line, the exam duration ranges between 2 to 3 hours.
What is the passing score for the exam?
- You must score 70% or higher to pass. Results are provided immediately after completion.
Contact Information
Alabama Department of Insurance:
- Phone: (334) 241-4126
- Website: www.aldoi.gov
- Mailing Address:
Alabama Department of Insurance
201 Monroe Street, Suite 502
Montgomery, AL 36104
University of Alabama Testing Services:
- Phone: (205) 348-3000
- Website: testing.ua.edu
Start Your Insurance Prelicensing Training
Take the first step toward your Alabama insurance career today. Enroll in an approved prelicensing course to begin your journey!
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Disclaimer
The information provided here is based on current Alabama state regulations and may be subject to updates. We strive for accuracy but recommend verifying requirements with the Alabama Department of Insurance for the latest licensing details.