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Alabama Health Insurance — Requirements & Free Practice

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Resident Insurance Producer License — Accident and Health or Sickness

Individual resident health line of authority, including HMO producers subject to Chapter 482-1-081.

Licensing authority: Alabama Department of Insurance · Application information

Expedited licensure by substantially similar existing license for eligible relocated spouse
No examination is required for this applicant pathway.
Application
Complete Alabama application; statutory recognition and expedited issuance within 30 days apply.
Department Instructions
The older 482-1-165-.03(1) says: (1) A person meeting the eligibility requirements of Section 31-1-6 and the requirements for licensing as an insurance producer or service representative pursuant to Chapter 7 of Title 27, or an independent adjuster license pursuant to Chapter 9 of Title 27, or a title insurance agent license pursuant to Chapter 25 of Title 27, is eligible for a waiver of the initial license fee. Instructions for filing an application with a waiver of the initial licensing fee will be posted on the Department’s Web site. (2) An application submitted pursuant to paragraph (1) will be processed within 30 days after receiving the application. The statute has broader eligibility and recognition provisions; its terms govern this route.
Eligibility
Eligible relocated spouse under §31-1-6(c): military including specified surviving spouses, DOJ, NASA or DOD civil-servant categories; no grounds for refusal and no discipline or pending professional investigation.
Fee
Initial licensing fee waived on application.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Prior License
Valid, good-standing license from another United States jurisdiction or Armed Forces branch that is substantially similar to the Alabama health-producer authority.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.

Official no-examination sources

Effective from 2026-09-22.

Adding the health line to an existing resident producer license

At least one of the following alternatives:

Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Existing License
Existing Alabama producer license in another line; health addition is treated as an initial application and all application fees apply.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Prior Same Line Waiver
An applicant qualifying under §27-7-29.1 is covered by the separately recorded same-line transfer route.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.
Initial resident licensure by examination

At least one of the following alternatives:

Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.
Resident licensure by prior same line license or relocation
No examination is required for this applicant pathway.
Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Examination
The §27-7-29.1 examination exemption applies; no new Alabama examination is involved.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Prior License
Same health authority in another jurisdiction; license current or application received within 90 days of cancellation, with good-standing certification or NAIC records.
Relocation Deadline
Apply within 90 days of establishing Alabama residence.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.

Official no-examination sources

Effective from 2026-09-22.

Initial issuance on a probationary basis

At least one of the following alternatives:

Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Exemption
Normal examination exemptions apply when established; probation itself does not waive them.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Order
Settlement agreement, consent order or other administrative order allows probationary issuance subject to specified terms.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.
Renewal while on probation
No examination is required for this applicant pathway.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Probation
Comply with probation conditions and all continuing education and renewal requirements.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after revocation with Commissioner permission

At least one of the following alternatives:

Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Correction
Prove compliance with conditions, correction of causes, and mitigation of recurrence.
Examination
After permission, comply with applicable examination requirements as for initial issuance; an applicable examination exemption is an applicant condition.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Permission
Apply for permission no earlier than two years after revocation or a longer period in the revocation order; Commissioner has sole discretion.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.
Reapplication after at least twelve consecutive months without license

At least one of the following alternatives:

Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Lapse
At least twelve consecutive calendar months without the license under 482-1-147-.06(2); 482-1-147-.07(9)(d) and the Department page say over twelve months.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.
Waiver
May request waiver for military service or extenuating circumstances under §27-7-14.1(d); examination remains a leaf because waiver is discretionary.
Reinstatement within twelve months after expiration
No examination is required for this applicant pathway.
Appointment
Reappoint after the license is reissued.
Continuing Education
Satisfy applicable education and renewal requirements.
Fees
Statute requires double the unpaid renewal fee for a payment after the due date; Department page states renewal fee plus $50 for the 30-day grace period.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
License Age
License expired within the statutory twelve-month window.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Application
Submit renewal application and applicable fee by the deadline; a 30-day late-renewal grace period carries a late fee.
Continuing Education
Generally 24 hours each biennium, including 3 ethics hours; applicable exemptions and office-only reduced requirement are governed by 482-1-110-.03 and -.05.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after suspension lifted with lapse exceeding twelve months

At least one of the following alternatives:

Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Exemption
Statutory and regulatory examination exemptions remain applicable if established.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Order
Suspension has been lifted and over twelve months elapsed after expiration or termination.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.
Reapplication after suspension lifted with lapse shorter than twelve months
No examination is required for this applicant pathway.
Examination
Immediate reapplication without examination; applicable application and renewal requirements remain.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Lapse
License expired or terminated less than twelve months before suspension was lifted.
Order
Suspension has been lifted.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.

Official no-examination sources

Effective from 2026-09-22.

Restoration when suspension lifted and license has not expired
No examination is required for this applicant pathway.
Continuing Education
Remain subject to continuing education during suspension.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Order
Suspension term expired or Commissioner finds the specified conditions satisfied.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Valid License
License has neither expired nor otherwise terminated; it is deemed reinstated.

Official no-examination sources

Effective from 2026-09-22.

Conversion of unexpired temporary license to ordinary individual producer

At least one of the following alternatives:

Application
Submit the Uniform Application online through NIPR and pay applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer; §27-7-4(b) does not require an appointment when the producer is not acting on behalf of an insurer.
Citizenship
The Department requires proof of citizenship; it says the application will be rejected if proof is not received within 10 days.
Conversion
Pass the applicable examination and complete criminal-history requirements; conversion is automatic without an additional fee. If the temporary license expires first, complete the ordinary application process.
Fingerprints
Complete fingerprinting and criminal-history requirements. Chapter 482-1-157-.03(3) states a background check is valid for applications filed within 365 days; the Producer Requirements page states fingerprint results remain in its system for 30 days and instructs applicants to re-fingerprint if the application arrives later.
Fitness
No act constituting grounds for denial, suspension, or revocation under §27-7-19.
Grandfathered Authority
§27-7-5(a)(3)c preserves the examination exemption for producers lawfully licensed for this line immediately before January 1, 2013, unless the license thereafter remained out of effect for twelve consecutive months.
Hmo Practice
To represent an HMO, satisfy disability-producer requirements and hold a current appointment to the HMO under 482-1-081-.05.
Long Term Care
Selling long-term care insurance requires the applicable eight-hour initial and four-hour ongoing training under 482-1-091-.32; training is an applicant condition, not a distinct licensing examination.
Minimum Age
At least 18 years of age.
Renewal Waiver
For military service or other extenuating circumstances, §27-7-14.1(d) permits a request to waive renewal procedures, examination requirements or related fine or sanction; request is not an automatic waiver.
Residency
Alabama resident.
Score Validity
The examination results certificate is valid for one year from issuance.
Temporary License
Unexpired health temporary license under either pending-examination or Type 2 route.

Temporary Insurance Producer License — Health

Includes pending-examination temporary license and Type 2 business-continuity temporary license.

Licensing authority: Alabama Department of Insurance · Application information

Temporary licensure pending required examination

At least one of the following alternatives:

Appointment
Application accompanied by appointing insurer request and appointment notice; appointed for each line, with multiple appointments limited to affiliated insurers.
Duration
Maximum six months; examination must be completed within the temporary-license period for conversion. Initial issuance precedes the examination.
Lifetime Limit
One six-month temporary license per health line in a lifetime, with unused time available if previously canceled before expiration.
Minimum Age
At least 18 and otherwise qualified except for not yet passing the written examination.
Training
Actively engaged in the approved course of study, instruction and field training under insurer supervision.
Type 2 temporary business continuity issuance — entity replacement
No examination is required for this applicant pathway.
Approval
Commissioner must deem temporary authority necessary to service the insurance business.
Duration
Not over six months; one additional six-month term may be granted for the licensed producer's disabling or confining illness or injury.
Eligibility
Member or employee of a licensed producer business entity when its designated responsible individual dies or becomes disabled.
Examination
Issued without examination; conversion to ordinary producer licensure is optional and has a separate examination route.
Sponsor
Licensed producer or insurer assumes responsibility for all acts.
Termination
Ends if the owner or personal representative disposes of the business; Commissioner may limit or revoke temporary authority to protect the public.

Official no-examination sources

Effective from 2026-09-22.

One additional Type 2 term for disabling illness or injury
No examination is required for this applicant pathway.
Eligibility
Temporary license issued for a producer's disabling or confining illness or injury.
Examination
No examination is required for this Type 2 extension.
Term
One additional six-month term.

Official no-examination sources

Effective from 2026-09-22.

Type 2 temporary business continuity issuance — military designee
No examination is required for this applicant pathway.
Approval
Commissioner must deem temporary authority necessary to service the insurance business.
Duration
Not over six months; one additional six-month term may be granted for the licensed producer's disabling or confining illness or injury.
Eligibility
Designee of a licensed producer entering active United States Armed Forces service.
Examination
Issued without examination; conversion to ordinary producer licensure is optional and has a separate examination route.
Sponsor
Licensed producer or insurer assumes responsibility for all acts.
Termination
Ends if the owner or personal representative disposes of the business; Commissioner may limit or revoke temporary authority to protect the public.

Official no-examination sources

Effective from 2026-09-22.

Type 2 temporary business continuity issuance — public interest
No examination is required for this applicant pathway.
Approval
Commissioner must deem temporary authority necessary to service the insurance business.
Duration
Not over six months; one additional six-month term may be granted for the licensed producer's disabling or confining illness or injury.
Eligibility
Another circumstance where the Commissioner determines on a case-by-case basis that issuance best serves the public interest.
Examination
Issued without examination; conversion to ordinary producer licensure is optional and has a separate examination route.
Sponsor
Licensed producer or insurer assumes responsibility for all acts.
Termination
Ends if the owner or personal representative disposes of the business; Commissioner may limit or revoke temporary authority to protect the public.

Official no-examination sources

Effective from 2026-09-22.

Substitution of Type 2 temporary license holder
No examination is required for this applicant pathway.
Eligibility
Original Type 2 temporary holder is unable to serve; substitute meets the same requirements and circumstances.
Expiration
Adjusted to the original Type 2 license term; substitution does not create a new six-month period.
Sponsor
Licensed producer or insurer assumes responsibility.

Official no-examination sources

Effective from 2026-09-22.

Type 2 temporary business continuity issuance — surviving representative
No examination is required for this applicant pathway.
Approval
Commissioner must deem temporary authority necessary to service the insurance business.
Duration
Not over six months; one additional six-month term may be granted for the licensed producer's disabling or confining illness or injury.
Eligibility
Surviving spouse or court-appointed personal representative of a producer who died or became mentally or physically disabled.
Examination
Issued without examination; conversion to ordinary producer licensure is optional and has a separate examination route.
Sponsor
Licensed producer or insurer assumes responsibility for all acts.
Termination
Ends if the owner or personal representative disposes of the business; Commissioner may limit or revoke temporary authority to protect the public.

Official no-examination sources

Effective from 2026-09-22.

Health Examination

Provider
University of Alabama
Format
Computer-based multiple-choice examination with four possible answers per question
Exam questions
100 questions; published chapter allocation: Chapter 1: 6, Chapter 2: 7, Chapter 3: 8, Chapter 12: 12, Chapter 13: 9, Chapter 14: 10, Chapter 15: 11, Chapter 16: 7, Chapter 17: 4, Chapter 18: 10, Chapter 19: 9, Chapter 21: 7
Time limit
120 minutes
Passing score
70 correct answers (70%)
Exam fee
$50.00
Examination outline
  • Part I - General - Life and Health Insurance / Chapter 1 - Purpose of Insurance
    • The Purpose of Life and Health Insurance
    • Dealing with Risk
    • The Law of Large Numbers
    • Insurance Company Structures
    • Domestic, Foreign and Alien Companies
    • Admitted and Nonadmitted Companies
  • Part I - General - Life and Health Insurance / Chapter 2 - Contract Law
    • Introduction to the Law of Contracts
    • Contractual Terms and Concepts
    • Law of Agency
    • Powers of Producers
  • Part I - General - Life and Health Insurance / Chapter 3 - Underwriting and the Application
    • Underwriting
    • Risk Classification
    • Premium Calculation
    • Mortality Risk Factors
    • Premium Mode
    • Conditional Receipt
    • Agent Responsibilities
    • Insurance Marketing Systems
  • Part III - Health Insurance / Chapter 12 - Health Foundations
    • Health Insurance in General
    • Health Insurance Providers
    • Managed Care
    • High Deductible Plans
    • Flexible Spending Account
    • Common Provisions
  • Part III - Health Insurance / Chapter 13 - Medical Expense Policies
    • Major Medical Policies
    • Major Medical Claims
    • Medical Expense Policy Provisions
  • Part III - Health Insurance / Chapter 14 - Disability Income Policies
    • Disability Income Features
    • Unique Provisions
    • Business Uses
    • Riders
    • Income Replacement
  • Part III - Health Insurance / Chapter 15 - Uniform Individual Health Policy Provisions Law
    • Required Provisions
    • Optional Provisions
  • Part III - Health Insurance / Chapter 16 - Group Health
    • Group Health Generally
    • Group Health Provisions and Guidelines
    • Coordination of Benefits
    • Portability
    • COBRA
    • HIPAA
  • Part III - Health Insurance / Chapter 17 - Medicare and Medicaid
    • Medicare
    • Medicaid
  • Part III - Health Insurance / Chapter 18 - Limited Health Insurance Policies
    • Medicare Supplement Policies (MSP)
    • Long Term Care Policies (LTC)
    • Accidental Death & Dismemberment
    • Dread Disease and Critical Illness Policies
    • Miscellaneous Limited Benefit Policies
  • Part IV - Alabama Insurance Law / Chapter 19 - All Licensing Candidates
    • Overview
    • Insurance Commissioner, Powers, Duties, Investigations, Hearings
    • Authorized Companies, Certificate Authority, etc.
    • Obtaining a Producer License
    • Keeping Your License
    • Continuing Education
    • Producer Appointment and Termination
    • Unfair Trade Practices Law
    • Other Prohibited Actions
    • Domestic Abuse Protection Act
  • Part IV - Alabama Insurance Law / Chapter 21 - Accident and Health (Disability) Insurance Candidates
    • Individual Accident and Health Policies
    • Required Benefits of Certain Coverages in Alabama
    • Health Maintenance Organizations
    • General Accident and Health Plan Provisions
    • Medicare Supplement Insurance
    • Long Term Care Insurance
Examination sources

Combined Life and Health Examination

Provider
University of Alabama
Format
Computer-based multiple-choice examination with four possible answers per question
Exam questions
150 questions; published chapter allocation: Chapter 1: 8, Chapter 2: 11, Chapter 3: 11, Chapter 4: 11, Chapter 5: 3, Chapter 6: 15, Chapter 7: 10, Chapter 8: 5, Chapter 9: 5, Chapter 10: 4, Chapter 11: 2, Chapter 12: 10, Chapter 13: 7, Chapter 14: 6, Chapter 15: 7, Chapter 16: 5, Chapter 17: 3, Chapter 18: 7, Chapter 19: 8, Chapter 20: 7, Chapter 21: 5
Time limit
180 minutes
Passing score
105 correct answers (70%)
Exam fee
$75.00
Examination outline
  • Part I - General - Life and Health Insurance / Chapter 1 - Purpose of Insurance
    • The Purpose of Life and Health Insurance
    • Dealing with Risk
    • The Law of Large Numbers
    • Insurance Company Structures
    • Domestic, Foreign and Alien Companies
    • Admitted and Nonadmitted Companies
  • Part I - General - Life and Health Insurance / Chapter 2 - Contract Law
    • Introduction to the Law of Contracts
    • Contractual Terms and Concepts
    • Law of Agency
    • Powers of Producers
  • Part I - General - Life and Health Insurance / Chapter 3 - Underwriting and the Application
    • Underwriting
    • Risk Classification
    • Premium Calculation
    • Mortality Risk Factors
    • Premium Mode
    • Conditional Receipt
    • Agent Responsibilities
    • Insurance Marketing Systems
  • Part II - Life Insurance / Chapter 4 - Traditional Life Policies
    • Term Life
    • Whole Life
    • Joint Life and Survivorship Life Policies
    • Modified Life and Graded Premium Whole Life
  • Part II - Life Insurance / Chapter 5 - Flexible Feature Life Policies
    • Adjustible Life
    • Universal Life
    • Variable Life and Variable Universal Life
    • Equity Indexed Life
  • Part II - Life Insurance / Chapter 6 - Policy Provisions
    • Entire Contract and Policyowner's Rights Clauses
    • Beneficiaries
    • Incontestable Clause
    • Misstatement of Age or Gender
    • Suicide Clause
    • Free Look
    • Grace Period
    • Reinstatement
    • Automatic Premium Loan
    • Assignment
    • Exclusions
    • Accelerated (Living) Benefit Options & Viatical Settlements
  • Part II - Life Insurance / Chapter 7 - Policy Options
    • Dividend Options
    • Nonforfeiture Options
    • Settlement Options
  • Part II - Life Insurance / Chapter 8 - Policy Riders
    • Waiver of Premium Rider
    • Disability Income Rider
    • Payor Rider
    • Accidental Death Rider
    • Guaranteed Insurability Rider
    • Term Riders
    • Other Insureds Rider
    • Cost of Living Rider
  • Part II - Life Insurance / Chapter 9 - Annuities and Retirement Plans
    • Annuity Basics
    • Fundamentals of Retirement Plans
  • Part II - Life Insurance / Chapter 10 - Business and Group Life
    • Business uses for Life Insurance
    • Group Life Insurance Characteristics
  • Part II - Life Insurance / Chapter 11 - Social Security
    • Purpose and Funding
    • Types of OASDI Benefits
  • Part III - Health Insurance / Chapter 12 - Health Foundations
    • Health Insurance in General
    • Health Insurance Providers
    • Managed Care
    • High Deductible Plans
    • Flexible Spending Account
    • Common Provisions
  • Part III - Health Insurance / Chapter 13 - Medical Expense Policies
    • Major Medical Policies
    • Major Medical Claims
    • Medical Expense Policy Provisions
  • Part III - Health Insurance / Chapter 14 - Disability Income Policies
    • Disability Income Features
    • Unique Provisions
    • Business Uses
    • Riders
    • Income Replacement
  • Part III - Health Insurance / Chapter 15 - Uniform Individual Health Policy Provisions Law
    • Required Provisions
    • Optional Provisions
  • Part III - Health Insurance / Chapter 16 - Group Health
    • Group Health Generally
    • Group Health Provisions and Guidelines
    • Coordination of Benefits
    • Portability
    • COBRA
    • HIPAA
  • Part III - Health Insurance / Chapter 17 - Medicare and Medicaid
    • Medicare
    • Medicaid
  • Part III - Health Insurance / Chapter 18 - Limited Health Insurance Policies
    • Medicare Supplement Policies (MSP)
    • Long Term Care Policies (LTC)
    • Accidental Death & Dismemberment
    • Dread Disease and Critical Illness Policies
    • Miscellaneous Limited Benefit Policies
  • Part IV - Alabama Insurance Law / Chapter 19 - All Licensing Candidates
    • Overview
    • Insurance Commissioner, Powers, Duties, Investigations, Hearings
    • Authorized Companies, Certificate Authority, etc.
    • Obtaining a Producer License
    • Keeping Your License
    • Continuing Education
    • Producer Appointment and Termination
    • Unfair Trade Practices Law
    • Other Prohibited Actions
    • Domestic Abuse Protection Act
  • Part IV - Alabama Insurance Law / Chapter 20 - Life Insurance Candidates
    • Approval of Policies, Required Policy Provisions
    • Industrial Life Provisions
    • Nonforfeiture Laws
    • Life Insurance and Annuity Advertisements
    • Life Insurance Solicitations and Disclosures
    • Life Insurance Illustrations
    • Life and Annuity Replacement
    • Annuity Suitability and Disclosures
    • Minors and Insurance
    • Alabama Life and Disability Insurance Guaranty Association
  • Part IV - Alabama Insurance Law / Chapter 21 - Accident and Health (Disability) Insurance Candidates
    • Individual Accident and Health Policies
    • Required Benefits of Certain Coverages in Alabama
    • Health Maintenance Organizations
    • General Accident and Health Plan Provisions
    • Medicare Supplement Insurance
    • Long Term Care Insurance
Examination sources