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Alabama Life Insurance — Requirements & Free Practice

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Insurance Producer License — Life (Individual)

Individual producer license with the Life line of authority; resident, nonresident, additional-authority, probation and restoration pathways are recorded separately.

Licensing authority: Alabama Department of Insurance · Application information

Addition of Variable Life and Variable Annuity Products authority
No examination is required for this applicant pathway.
Application
Apply to add the authority and pay the applicable fees; the variable line itself is exempt from the Alabama producer examination.
Life license
Applicant must already hold the Life producer line.
Securities
Applicant must pass the appropriate securities examinations and be registered under federal and state securities laws; these are another profession’s examinations and are applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Expedited issuance based on a substantially similar license under the Military Family Jobs Opportunity Act
No examination is required for this applicant pathway.
Application
Complete the Alabama application; expedited review and continuation of practice are governed by § 31-1-6.
Eligibility
Applicant is the qualifying spouse of a relocated active-duty, reserve or transitioning service member, a surviving military spouse, or a qualifying DOJ, NASA or Department of Defense employee specified in § 31-1-6(c).
Fee waiver
Qualifying applicants may request waiver of the initial licensing fee; DOI asks for military identification or DD214 documents for its military-family form.
Fitness
Applicant has not committed a disqualifying act and has not been disciplined or been under investigation in relation to a professional license.
Implementation
DOI Regulation 165 (2019) and its Military Family Jobs Opportunity page describe initial-fee waiver processing. The current statute also covers additional eligible spouses and temporary practice authorization; statutory terms control.
Issuance
§ 31-1-6(b)(1) requires issuance within 30 days when the existing license is similar; the prior license and statutory good-standing conditions carry this route.
Location
Applicant relocates to Alabama under the qualifying official orders or employment circumstances.
Prior license
Applicant possesses a valid license or certificate in good standing that is substantially similar to Alabama’s Life producer license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the home-state application or Uniform Application, proper request and required Alabama fees (§ 27-7-28(a)).
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Continuing education
Reciprocal home-state continuing education satisfies Alabama requirements (§ 27-7-28(f)).
Home license
Applicant holds a current resident producer license for Life in good standing in the home state; the home jurisdiction’s license is a condition, not an examination requirement.
Reciprocity
Home state awards nonresident producer licenses to Alabama residents on the same basis.
Residence
Applicant remains a nonresident of Alabama.
Service of process
A nonresident producer is deemed to appoint the Commissioner to receive legal process for Alabama license transactions; this appointment remains irrevocable while a cause of action exists (§ 27-7-29(a)-(b)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within 12 months of lapse
No examination is required for this applicant pathway.
Education
Reciprocal home-state continuing education satisfies Alabama requirements (§ 27-7-28(f)).
Lapse period
More than the 30-day grace period and no more than 12 months from the renewal due date.
Reissue
Complete online reissue and pay twice the unpaid renewal fee; seek new insurer appointments after reissuance.
Residence
Nonresident individual producer.
Service of process
A nonresident producer is deemed to appoint the Commissioner to receive legal process for Alabama license transactions; this appointment remains irrevocable while a cause of action exists (§ 27-7-29(a)-(b)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal relicensure after revocation
No examination is required for this applicant pathway.
Application
Submit the home-state application or Uniform Application, proper request and required Alabama fees (§ 27-7-28(a)).
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Continuing education
Reciprocal home-state continuing education satisfies Alabama requirements (§ 27-7-28(f)).
Home license
Applicant holds a current resident producer license for Life in good standing in the home state; the home jurisdiction’s license is a condition, not an examination requirement.
Permission
Commissioner first grants permission to apply; at least two years or the longer revocation-order period must have elapsed, and grounds for revocation must have been corrected.
Reciprocity
Home state awards nonresident producer licenses to Alabama residents on the same basis.
Residence
Applicant remains a nonresident of Alabama.
Service of process
A nonresident producer is deemed to appoint the Commissioner to receive legal process for Alabama license transactions; this appointment remains irrevocable while a cause of action exists (§ 27-7-29(a)-(b)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident relicensure after a lapse exceeding 12 months
No examination is required for this applicant pathway.
Application
Submit the home-state application or Uniform Application, proper request and required Alabama fees (§ 27-7-28(a)).
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Continuing education
Reciprocal home-state continuing education satisfies Alabama requirements (§ 27-7-28(f)).
Home license
Applicant holds a current resident producer license for Life in good standing in the home state; the home jurisdiction’s license is a condition, not an examination requirement.
Lapse period
Alabama license has lapsed for more than 12 months; reapply under the nonresident exemption based on the current equivalent home-state license.
Reciprocity
Home state awards nonresident producer licenses to Alabama residents on the same basis.
Residence
Applicant remains a nonresident of Alabama.
Service of process
A nonresident producer is deemed to appoint the Commissioner to receive legal process for Alabama license transactions; this appointment remains irrevocable while a cause of action exists (§ 27-7-29(a)-(b)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal, including the 30 day grace period
No examination is required for this applicant pathway.
Application
Renew electronically through NIPR and pay the $70 renewal fee; the 30-day grace period carries a $50 late fee.
Education
Reciprocal home-state continuing education satisfies Alabama requirements (§ 27-7-28(f)).
Home license
Applicant holds a current resident producer license for Life in good standing in the home state; the home jurisdiction’s license is a condition, not an examination requirement.
Probation
An applicant on probation must also comply with the consent order or other order; all otherwise applicable renewal and CE requirements remain in effect.
Renewal cycle
Individual license renews biennially in the birth month according to odd/even birth year; an initial license has a minimum 90-day term.
Residence
Nonresident individual producer.
Service of process
A nonresident producer is deemed to appoint the Commissioner to receive legal process for Alabama license transactions; this appointment remains irrevocable while a cause of action exists (§ 27-7-29(a)-(b)).

Official no-examination sources

Effective from 2026-09-22.

Renewal of a producer license on probation
No examination is required for this applicant pathway.
Application
Renew electronically through NIPR and pay the $70 renewal fee; the 30-day grace period carries a $50 late fee.
Education
Resident must have completed 24 approved CE hours, including 3 ethics hours, before renewal unless an applicable exemption or office-only reduction under Rule 482-1-110 applies; CE course assessments are training conditions, not separately identified licensing examinations.
Order
Licensee has complied or is complying with the consent order or other probation order for the stated term.
Probation
An applicant on probation must also comply with the consent order or other order; all otherwise applicable renewal and CE requirements remain in effect.
Renewal cycle
Individual license renews biennially in the birth month according to odd/even birth year; an initial license has a minimum 90-day term.

Official no-examination sources

Effective from 2026-09-22.

Resident addition of the Life line of authority

At least one of the following alternatives:

Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Application timing
DOI Producer Requirements asks applicants to allow 3–5 business days after passing before applying online.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Exam alternative
For Life authority, pass the Life Only Exam or the independently registered Combined Life & Health Exam. The combined examination covers its full Life and Health outline.
Existing license
Applicant already holds an insurance producer license and applies to add Life; additional lines are treated as initial applications.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Prelicensing
A prelicensing certificate is no longer required as of January 1, 2024, as the official examination administrator states; the temporary-pending-examination course requirement is separately preserved.
Score age
An examination results certificate is valid for one year from issuance (Rule 482-1-147-.06(7)); retain it and provide it on request.
Resident initial licensure by examination

At least one of the following alternatives:

Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Application timing
DOI Producer Requirements asks applicants to allow 3–5 business days after passing before applying online.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Exam alternative
For Life authority, pass the Life Only Exam or the independently registered Combined Life & Health Exam. The combined examination covers its full Life and Health outline.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Prelicensing
A prelicensing certificate is no longer required as of January 1, 2024, as the official examination administrator states; the temporary-pending-examination course requirement is separately preserved.
Residence
Applicant is an Alabama resident seeking initial Life authority.
Score age
An examination results certificate is valid for one year from issuance (Rule 482-1-147-.06(7)); retain it and provide it on request.
Resident initial license issued on a probationary basis

At least one of the following alternatives:

Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Application timing
DOI Producer Requirements asks applicants to allow 3–5 business days after passing before applying online.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Exam alternative
For Life authority, pass the Life Only Exam or the independently registered Combined Life & Health Exam. The combined examination covers its full Life and Health outline.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Order
A settlement agreement, consent order or other administrative order permits probationary issuance; comply with its conditions during the stated term. The ordinary applicable examination requirements remain in effect.
Prelicensing
A prelicensing certificate is no longer required as of January 1, 2024, as the official examination administrator states; the temporary-pending-examination course requirement is separately preserved.
Score age
An examination results certificate is valid for one year from issuance (Rule 482-1-147-.06(7)); retain it and provide it on request.
Resident reinstatement within 12 months of lapse
No examination is required for this applicant pathway.
Education
Resident must have completed 24 approved CE hours, including 3 ethics hours, before renewal unless an applicable exemption or office-only reduction under Rule 482-1-110 applies; CE course assessments are training conditions, not separately identified licensing examinations.
Lapse period
More than the 30-day grace period and no more than 12 months from the renewal due date.
Reissue
Complete online reissue and pay twice the unpaid renewal fee; seek new insurer appointments after reissuance.
Residence
Resident individual producer.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensure after revocation or voluntary surrender treated as revocation

At least one of the following alternatives:

Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Application timing
DOI Producer Requirements asks applicants to allow 3–5 business days after passing before applying online.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Exam alternative
For Life authority, pass the Life Only Exam or the independently registered Combined Life & Health Exam. The combined examination covers its full Life and Health outline.
Exemptions
Comply with examinations as on initial application; applicable initial-application exemptions remain conditions.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Permission
Commissioner must first authorize reapplication after satisfactory proof that the revocation conditions have been corrected and recurrence mitigated.
Prelicensing
A prelicensing certificate is no longer required as of January 1, 2024, as the official examination administrator states; the temporary-pending-examination course requirement is separately preserved.
Score age
An examination results certificate is valid for one year from issuance (Rule 482-1-147-.06(7)); retain it and provide it on request.
Waiting period
Permission application cannot precede two years after revocation or a longer period in the order.
Resident relicensure after a lapse exceeding 12 months

At least one of the following alternatives:

Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Application timing
DOI Producer Requirements asks applicants to allow 3–5 business days after passing before applying online.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Exam alternative
For Life authority, pass the Life Only Exam or the independently registered Combined Life & Health Exam. The combined examination covers its full Life and Health outline.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying. DOI Producer Requirements also expressly requires retesting and fingerprinting after a resident lapse exceeding 12 months.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Lapse period
Life license has been out of effect for more than 12 months.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Other license exemption
A qualifying current or recently cancelled equivalent out-of-state license can establish the separately recorded resident-transfer exemption.
Prelicensing
A prelicensing certificate is no longer required as of January 1, 2024, as the official examination administrator states; the temporary-pending-examination course requirement is separately preserved.
Score age
An examination results certificate is valid for one year from issuance (Rule 482-1-147-.06(7)); retain it and provide it on request.
Waiver
Under § 27-7-14.1(d), a producer unable to comply because of military service or another extenuating circumstance may request waiver of renewal procedures, any examination requirement or a fine; approval is discretionary.
Resident biennial renewal, including the 30 day grace period
No examination is required for this applicant pathway.
Application
Renew electronically through NIPR and pay the $70 renewal fee; the 30-day grace period carries a $50 late fee.
Education
Resident must have completed 24 approved CE hours, including 3 ethics hours, before renewal unless an applicable exemption or office-only reduction under Rule 482-1-110 applies; CE course assessments are training conditions, not separately identified licensing examinations.
Probation
An applicant on probation must also comply with the consent order or other order; all otherwise applicable renewal and CE requirements remain in effect.
Renewal cycle
Individual license renews biennially in the birth month according to odd/even birth year; an initial license has a minimum 90-day term.
Residence
Resident individual producer.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure based on equivalent current or recently cancelled producer license
No examination is required for this applicant pathway.
Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Examination exemption
§ 27-7-29.1 and Rule 482-1-147-.06(3)(b) exempt this route from the Alabama examination; the other jurisdiction’s license is a condition.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Prior license
Applicant was licensed for the same Life authority elsewhere; that license is current or the Alabama application is received within 90 days of cancellation, with good standing certified by the issuing authority or shown in NAIC records.
Relocation
An applicant moving to Alabama must apply for resident licensure within 90 days of establishing legal residence (§ 27-7-29.1(b)).

Official no-examination sources

Effective from 2026-09-22.

Resident application after suspension is lifted and lapse exceeds 12 months

At least one of the following alternatives:

Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Application timing
DOI Producer Requirements asks applicants to allow 3–5 business days after passing before applying online.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Exam alternative
For Life authority, pass the Life Only Exam or the independently registered Combined Life & Health Exam. The combined examination covers its full Life and Health outline.
Exemptions
Applicable statutory prior-license exemptions and discretionary renewal-hardship waivers remain applicant conditions.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Lapse period
Underlying Life license expired or terminated more than 12 months before lifting.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Prelicensing
A prelicensing certificate is no longer required as of January 1, 2024, as the official examination administrator states; the temporary-pending-examination course requirement is separately preserved.
Score age
An examination results certificate is valid for one year from issuance (Rule 482-1-147-.06(7)); retain it and provide it on request.
Suspension
Suspension has been lifted.
Application after suspension is lifted and lapse is shorter than 12 months
No examination is required for this applicant pathway.
Application
Immediately reapply without examination; satisfy applicable fees, CE and order conditions.
Lapse period
Expiration or termination during suspension occurred less than 12 months before lifting.
Suspension
Suspension has been lifted after its term or required compliance.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement when suspension is lifted and the license has not expired
No examination is required for this applicant pathway.
Education
CE obligations continue during suspension; a suspended license cannot be renewed during the suspension term.
License status
Underlying Life license remains unexpired; it is deemed reinstated.
Suspension
Term of suspension expires or the Commissioner orders lifting after the conditions have been met.

Official no-examination sources

Effective from 2026-09-22.

Conversion of an unexpired temporary producer license

At least one of the following alternatives:

Application
Submit the Uniform Application with true, correct and complete statements; resident applications use the DOI/NIPR online process.
Application timing
DOI Producer Requirements asks applicants to allow 3–5 business days after passing before applying online.
Appointments
An insurer appointment is required when acting on behalf of an insurer (§ 27-7-4(b)); the license alone does not authorize representation of an insurer.
Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Conversion
Complete the applicable Life examination and the required criminal-history check before temporary-license expiration; the license converts automatically for the same authority without additional fees.
Exam alternative
For Life authority, pass the Life Only Exam or the independently registered Combined Life & Health Exam. The combined examination covers its full Life and Health outline.
Fees
Pay the applicable license and application fees. DOI lists the individual initial fee as $80 and the biennial renewal fee as $70; qualifying applicants may request the § 31-1-6 initial fee waiver.
Fingerprints
Initial resident applicants, including additional Life authority where a criminal-history check has not been obtained, must complete the criminal-history fingerprint check under § 27-7-4.4. DOI accepts Fieldprint fingerprints, retained in its system for 30 days; its instructions call for fingerprinting after the exam and before applying.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Prelicensing
A prelicensing certificate is no longer required as of January 1, 2024, as the official examination administrator states; the temporary-pending-examination course requirement is separately preserved.
Score age
An examination results certificate is valid for one year from issuance (Rule 482-1-147-.06(7)); retain it and provide it on request.
Temporary license
Applicant holds an unexpired pending-examination or Type 2 temporary Life license.

Temporary Producer License — Life (Pending Examination)

Temporary producer license under § 27-7-24 and Rule 482-1-147-.08(1), involving completion of the applicable examination during the temporary period.

Licensing authority: Alabama Department of Insurance · Application information

Temporary licensure pending the Life examination

At least one of the following alternatives:

Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Conversion
Complete the appropriate examination and criminal-history fingerprint check before expiration to convert to an ordinary license; initial issuance precedes passing, but the temporary route involves the currently offered examination.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Implementation duration
DOI Rule 482-1-147-.08(1)(d) says: “A temporary producer license is valid for a maximum of six months, during which time the temporary licensee must complete the examination requirements to convert the temporary license to a regular producer license.” The statute’s pending-result continuation controls.
Instruction
Applicant is actively engaged in an approved course of study, instruction and field training supervised by the insurer (§ 27-7-24(a)); Rule 482-1-147-.08(1)(b) retains the supervised prelicensing-course condition.
Lifetime limit
Only one six-month temporary license per Life line in a lifetime, except an unused balance after cancellation may be applied to a later license.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Period
§ 27-7-24(b) gives six months to submit to the written examination, plus time until the Commissioner notifies the result.
Qualifications
Applicant otherwise qualifies as a producer but has not passed the written examination.
Residence
DOI Temporary Producer Requirements limits temporary-pending-examination applications to Alabama residents.
Sponsorship
Insurer sponsors the application, supplies the signed disclosure and appoints the producer; additional appointments are limited to affiliated insurers.
Temporary licensure using an unused balance after cancellation

At least one of the following alternatives:

Citizenship evidence
DOI requires proof of citizenship; its application instructions say the license will not issue without it and an application is rejected if it is not received within 10 days.
Conversion
Complete the appropriate examination and criminal-history fingerprint check before expiration to convert to an ordinary license; initial issuance precedes passing, but the temporary route involves the currently offered examination.
Fitness
Applicant must not have committed an act constituting a ground for refusal, suspension or revocation under § 27-7-19; DOI Producer Requirements lists the grounds.
Implementation duration
DOI Rule 482-1-147-.08(1)(d) says: “A temporary producer license is valid for a maximum of six months, during which time the temporary licensee must complete the examination requirements to convert the temporary license to a regular producer license.” The statute’s pending-result continuation controls.
Instruction
Applicant is actively engaged in an approved course of study, instruction and field training supervised by the insurer (§ 27-7-24(a)); Rule 482-1-147-.08(1)(b) retains the supervised prelicensing-course condition.
Lifetime limit
Only one six-month temporary license per Life line in a lifetime, except an unused balance after cancellation may be applied to a later license.
Minimum age
Applicant must be at least 18 years old (§ 27-7-5(a)(1)).
Period
§ 27-7-24(b) gives six months to submit to the written examination, plus time until the Commissioner notifies the result.
Prior temporary
Previous temporary Life license was cancelled before expiration; only the recorded unused balance of six months remains available.
Qualifications
Applicant otherwise qualifies as a producer but has not passed the written examination.
Residence
DOI Temporary Producer Requirements limits temporary-pending-examination applications to Alabama residents.
Sponsorship
Insurer sponsors the application, supplies the signed disclosure and appoints the producer; additional appointments are limited to affiliated insurers.

Alabama Insurance Producer Life Only Exam

Provider
University of Alabama
Format
Computer-administered written insurance producer examination
Exam questions
125
Time limit
150 minutes
Passing score
87 correct answers; rule requires a weighted grade of at least 70
Exam fee
$50.00
Examination outline
  • Part I - General - Life and Health Insurance — Chpt 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 — Chpt 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 — Chpt 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 — Chpt 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 — Chpt 5 Flexible Feature Life Policies
    • Adjustible Life
    • Universal Life
    • Variable Life and Variable Universal Life
    • Equity Indexed Life
  • Part II - Life Insurance — Chpt 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 — Chpt 7 Policy Options
    • Dividend Options
    • Nonforfeiture Options
    • Settlement Options
  • Part II - Life Insurance — Chpt 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 — Chpt 9 Annuities and Retirement Plans
    • Annuity Basics
    • Fundamentals of Retirement Plans
  • Part II - Life Insurance — Chpt 10 Business and Group Life
    • Business uses for Life Insurance
    • Group Life Insurance Characteristics
  • Part II - Life Insurance — Chpt 11 Social Security
    • Purpose and Funding
    • Types of OASDI Benefits
  • Part IV - Alabama Insurance Law — Chpt 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 — Chpt 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
Examination sources

Combined Life & Health Exam

Provider
University of Alabama
Format
Computer-administered written insurance producer examination
Exam questions
150
Time limit
180 minutes
Passing score
105 correct answers; rule requires a weighted grade of at least 70
Exam fee
$75.00
Examination outline
  • Part I - General - Life and Health Insurance — Chpt 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 — Chpt 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 — Chpt 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 — Chpt 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 — Chpt 5 Flexible Feature Life Policies
    • Adjustible Life
    • Universal Life
    • Variable Life and Variable Universal Life
    • Equity Indexed Life
  • Part II - Life Insurance — Chpt 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 — Chpt 7 Policy Options
    • Dividend Options
    • Nonforfeiture Options
    • Settlement Options
  • Part II - Life Insurance — Chpt 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 — Chpt 9 Annuities and Retirement Plans
    • Annuity Basics
    • Fundamentals of Retirement Plans
  • Part II - Life Insurance — Chpt 10 Business and Group Life
    • Business uses for Life Insurance
    • Group Life Insurance Characteristics
  • Part II - Life Insurance — Chpt 11 Social Security
    • Purpose and Funding
    • Types of OASDI Benefits
  • Part III - Health Insurance — Chpt 12 Health Foundations
    • Health Insurance in General
    • Health Insurance Providers
    • Managed Care
    • High Deductible Plans
    • Flexible Spending Account
    • Common Provisions
  • Part III - Health Insurance — Chpt 13 Medical Expense Policies
    • Major Medical Policies
    • Major Medical Claims
    • Medical Expense Policy Provisions
  • Part III - Health Insurance — Chpt 14 Disability Income Policies
    • Disability Income Features
    • Unique Provisions
    • Business Uses
    • Riders
    • Income Replacement
  • Part III - Health Insurance — Chpt 15 Uniform Individual Health Policy Provisions Law
    • Required Provisions
    • Optional Provisions
  • Part III - Health Insurance — Chpt 16 Group Health
    • Group Health Generally
    • Group Health Provisions and Guidelines
    • Coordination of Benefits
    • Portability
    • COBRA
    • HIPAA
  • Part III - Health Insurance — Chpt 17 Medicare and Medicaid
    • Medicare
    • Medicaid
  • Part III - Health Insurance — Chpt 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 — Chpt 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 — Chpt 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 — Chpt 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