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Alabama Personal Lines Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer License — Personal Lines

Individual authority for personal-lines property and casualty insurance; resident and nonresident pathways are distinguished below.

Licensing authority: Alabama Department of Insurance · Application information

Reapplication with preserved pre 2013 examination exemption
No examination is required for this applicant pathway.
Application
Comply with otherwise applicable licensing requirements.
Continuity
Since January 1, 2013, no expiration or termination with 12 consecutive months out of effect.
Exemption
Statutory same-line examination exemption remains preserved.
Prior Authority
Lawfully licensed for personal lines immediately before January 1, 2013.

Official no-examination sources

Effective from 2024-01-01.

Licensure after revocation with Commissioner permission
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Examination
Initial-applicant examination requirements apply subject to any otherwise applicable independent exemption.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Permission
Commissioner order permitting a new application; request no earlier than the later of two years after revocation or the longer period in the revocation order.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Proof
Show order compliance, correction of revocation reasons and mitigation or elimination of recurrence; permission is discretionary.
Score Validity
Examination results certificates are valid for one year from issuance.
Late renewal within the first 30 days after expiration
No examination is required for this applicant pathway.
Continuing Education
Unless exempt, 24 approved hours including 3 ethics hours; eligible office-only licensees complete 12 hours including 2 ethics hours. First-12-month, nonresident reciprocity and preserved pre-2013 exemptions apply as specified in Chapter 482-1-110.
Cycle
Biennial renewal by the end of the birth month in the parity of birth year; an initial license does not expire within its first 90 days.
Fee
Pay the applicable renewal fee.
Late Fee
The rule states a $50 late fee; the controlling statute states a penalty of double the unpaid renewal fee after its due date.
Orders
Comply with probation conditions; a license cannot be renewed during suspension.
Timing
Within 30 days after expiration, retroactive to expiration.

Official no-examination sources

Effective from 2024-01-01.

Reapplication after more than 12 months without a license
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Exemption
Any otherwise applicable examination exemption remains an applicant condition; the pre-2013 exemption ends after 12 consecutive months out of effect.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Lapse
License out of effect for more than 12 months.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Score Validity
Examination results certificates are valid for one year from issuance.
Reinstatement within 12 months after lapse
No examination is required for this applicant pathway.
Exemption
Reinstate the same license without passing a written examination.
Penalty
Statute requires double the unpaid renewal fee for a renewal fee received after its due date.
Process
Use the online reinstatement process and meet applicable renewal and continuing education obligations; obtain new insurer appointments.
Timing
Within 12 months of the renewal fee due date.

Official no-examination sources

Effective from 2024-01-01.

Biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Unless exempt, 24 approved hours including 3 ethics hours; eligible office-only licensees complete 12 hours including 2 ethics hours. First-12-month, nonresident reciprocity and preserved pre-2013 exemptions apply as specified in Chapter 482-1-110.
Cycle
Biennial renewal by the end of the birth month in the parity of birth year; an initial license does not expire within its first 90 days.
Fee
Pay the applicable renewal fee.
Orders
Comply with probation conditions; a license cannot be renewed during suspension.

Official no-examination sources

Effective from 2024-01-01.

Reapplication after suspension with more than 12 months since termination
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Exemption
Applicable independent statutory or regulatory exemptions remain conditions.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Order
Suspension has been lifted.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Score Validity
Examination results certificates are valid for one year from issuance.
Timing
More than 12 months elapsed between license expiration or termination and lifting suspension.
Reapplication after suspension with less than 12 months since license termination
No examination is required for this applicant pathway.
Exemption
The rule permits immediate application without applicable examination requirements.
Order
Suspension has been lifted.
Process
Comply with application and order conditions.
Timing
License expired or terminated less than 12 months before lifting suspension.

Official no-examination sources

Effective from 2024-01-01.

Reinstatement of an unexpired license when suspension is lifted
No examination is required for this applicant pathway.
Continuity
License has not expired or otherwise terminated during suspension; it is deemed reinstated.
Ongoing Duties
Applicable continuing education duties remain during suspension.
Order
Suspension expires or is lifted by order upon compliance with its conditions.

Official no-examination sources

Effective from 2024-01-01.

Prior license issuance under Military Family Jobs Opportunity
No examination is required for this applicant pathway.
Documentation
Provide military active-duty, spouse or dependent card, or DD214 documentation through ALDOI’s Military Family form.
Eligibility
Eligible spouse or surviving spouse under Regulation 165, relocated to and stationed in Alabama under official military orders.
Exemption
The examination exemption comes from Ala. Code § 27-7-29.1, not the fee-waiver program.
Fee Waiver
Initial license fee waiver; meet ordinary licensing qualifications. Regulation 165 specifies application processing within 30 days after receipt.
Prior License
Same-line current-or-cancelled-within-90-days license and good standing.

Official no-examination sources

Effective from 2024-01-01.

Resident examination issuance under Military Family Jobs Opportunity
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Documentation
Provide military active-duty, spouse or dependent card, or DD214 documentation through ALDOI’s Military Family form.
Eligibility
Eligible spouse or surviving spouse under Regulation 165, relocated to and stationed in Alabama under official military orders.
Fee Waiver
Initial license fee waiver; meet ordinary licensing qualifications. Regulation 165 specifies application processing within 30 days after receipt.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Score Validity
Examination results certificates are valid for one year from issuance.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Provide the home-state application or Uniform Application, request licensure and pay fees.
Exemption
No Alabama examination for the same line.
Home License
Current resident personal-lines license and good standing in the home state.
Reciprocity
Home state grants nonresident licenses to Alabama residents on the same basis.

Official no-examination sources

Effective from 2024-01-01.

Probationary nonresident issuance by reciprocity
No examination is required for this applicant pathway.
Application
Meet other applicable nonresident requirements; examination exemption derives from nonresident same-line licensure.
Home License
Current home-state resident personal-lines license, good standing and reciprocity.
Order
Settlement, consent order or administrative order permits issuance and imposes its conditions.

Official no-examination sources

Effective from 2024-01-01.

Probationary issuance with prior license examination exemption
No examination is required for this applicant pathway.
Application
Meet other applicable resident licensing requirements.
Order
A settlement, consent order or administrative order authorizes issuance; comply with all its conditions.
Prior License
Satisfy the same-line current-or-recently-cancelled prior-license examination exemption and good-standing requirements.

Official no-examination sources

Effective from 2024-01-01.

Resident examination licensure on a probationary basis
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Examination
Ordinary resident examination requirements apply unless an independent exemption applies.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Order
Settlement agreement, consent order or administrative order authorizes probationary issuance and defines its conditions.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Score Validity
Examination results certificates are valid for one year from issuance.
Examination bearing reapplication with requested renewal waiver
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Circumstance
Military service or an extenuating circumstance such as long-term medical disability prevents renewal compliance.
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Lapse
This route applies when the otherwise applicable lapse provision requires reexamination.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Score Validity
Examination results certificates are valid for one year from issuance.
Waiver
May request waiver of procedures, examination requirements, fines or sanctions; grant is not guaranteed.
Resident licensure by examination
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Prelicensing
No prelicensing certificate is required from January 1, 2024.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Residence
Alabama resident.
Score Validity
Examination results certificates are valid for one year from issuance.
Resident licensure based on previous same line licensure
No examination is required for this applicant pathway.
Application
Complete otherwise applicable resident application, fee, fingerprint and citizenship requirements.
Exemption
No prelicensing education or examination under Ala. Code § 27-7-29.1(a).
Good Standing
Prior-state certification or NAIC producer database must show good standing for the line.
Prior License
Currently licensed for the same line in another state, or application received within 90 days of cancellation.
Residence
Alabama resident applicant.

Official no-examination sources

Effective from 2024-01-01.

Resident licensure on relocation
No examination is required for this applicant pathway.
Application
Apply under Ala. Code § 27-7-5 and comply with otherwise applicable resident requirements.
Deadline
Apply within 90 days of establishing legal residence; satisfy the prior-license current-or-cancelled-within-90-days and good-standing criteria.
Exemption
No prelicensing education or examination for the previously held line; regulatory exceptions are reserved.
Prior License
Personal-lines producer licensed in another state who moves to Alabama.

Official no-examination sources

Effective from 2024-01-01.

Conversion of an unexpired temporary producer license
Personal Lines Exam
Age
At least 18 years old.
Application
Uniform Application through ALDOI’s NIPR process, with applicable fees.
Appointment
An insurer appointment is required when acting on behalf of that insurer under Ala. Code § 27-7-4(b).
Citizenship
ALDOI requires proof of citizenship before issuance and states that missing documentation within 10 days results in rejection.
Conversion
Pass the examination and complete required criminal-history record check before expiration; automatic conversion, no additional license fee.
Fingerprints
Resident applicants complete the required criminal background check; ALDOI accepts its Fieldprint process and directs application while fingerprints remain available for 30 days.
Fitness
No act constituting a ground for license denial, suspension or revocation under Ala. Code § 27-7-19.
Probation
The Commissioner may impose probation through a settlement, consent order or administrative order; satisfy its conditions and applicable continuing education and renewal requirements.
Score Validity
Examination results certificates are valid for one year from issuance.
Temporary License
Unexpired personal-lines temporary license of either type.

Temporary Producer License — Personal Lines

Pending-examination and Type 2 temporary personal-lines authority; different applicant conditions are separate routes.

Licensing authority: Alabama Department of Insurance · Application information

Temporary licensure pending examination
Personal Lines Exam
Conversion
Pass the examination and complete required fingerprints before expiration for automatic conversion; otherwise the license expires.
Lifetime
One license for the line per lifetime, subject to use of a cancelled prior license’s unused balance.
Residence
Alabama resident, otherwise qualified except for having passed the written examination.
Sponsor
Sponsoring insurer requests the license, appoints the applicant and assumes responsibility within the employment or appointment.
Term
Maximum six months; complete examination requirements for conversion. Statute additionally allows time until notice of examination results.
Training
Actively engaged in approved study, instruction and field training under insurer supervision.
Pending examination temporary licensure using an unused prior balance
Personal Lines Exam
Conversion
Pass the examination and complete required fingerprints before expiration for automatic conversion; otherwise the license expires.
Lifetime
One license for the line per lifetime, subject to use of a cancelled prior license’s unused balance.
Prior Cancellation
Prior temporary license cancelled before expiration; only remaining six-month lifetime allowance is available.
Residence
Alabama resident, otherwise qualified except for having passed the written examination.
Sponsor
Sponsoring insurer requests the license, appoints the applicant and assumes responsibility within the employment or appointment.
Term
Maximum six months; complete examination requirements for conversion. Statute additionally allows time until notice of examination results.
Training
Actively engaged in approved study, instruction and field training under insurer supervision.
Type 2 temporary licensure — entity member employee
No examination is required for this applicant pathway.
Applicant Category
Member or employee of a licensed entity after death or disability of the designated individual producer.
Discretion
Commissioner finds temporary issuance necessary to service an insurance business or best serve the public interest.
Exemption
Temporary issuance requires no examination. Optional conversion to ordinary licensure is a separate examination route.
Restrictions
Comply with Commissioner-imposed limits; license cannot continue after the business is disposed of.
Sponsor
A licensed producer or insurer assumes responsibility for all acts of the Type 2 temporary producer.
Term
Not over six months; only disabling or confining illness or injury permits one additional six-month term.

Official no-examination sources

Effective from 2024-01-01.

Type 2 temporary licensure — military designee
No examination is required for this applicant pathway.
Applicant Category
Designee of a licensed producer entering active service in the United States Armed Forces.
Discretion
Commissioner finds temporary issuance necessary to service an insurance business or best serve the public interest.
Exemption
Temporary issuance requires no examination. Optional conversion to ordinary licensure is a separate examination route.
Restrictions
Comply with Commissioner-imposed limits; license cannot continue after the business is disposed of.
Sponsor
A licensed producer or insurer assumes responsibility for all acts of the Type 2 temporary producer.
Term
Not over six months; only disabling or confining illness or injury permits one additional six-month term.

Official no-examination sources

Effective from 2024-01-01.

Type 2 temporary licensure — public interest
No examination is required for this applicant pathway.
Applicant Category
Another circumstance where the Commissioner determines issuance best serves the public interest.
Discretion
Commissioner finds temporary issuance necessary to service an insurance business or best serve the public interest.
Exemption
Temporary issuance requires no examination. Optional conversion to ordinary licensure is a separate examination route.
Restrictions
Comply with Commissioner-imposed limits; license cannot continue after the business is disposed of.
Sponsor
A licensed producer or insurer assumes responsibility for all acts of the Type 2 temporary producer.
Term
Not over six months; only disabling or confining illness or injury permits one additional six-month term.

Official no-examination sources

Effective from 2024-01-01.

Additional Type 2 term for disabling or confining illness or injury
No examination is required for this applicant pathway.
Discretion
Commissioner finds temporary issuance necessary to service an insurance business or best serve the public interest.
Eligibility
Existing Type 2 license issued because of the licensed producer’s disabling or confining illness or injury.
Exemption
Temporary issuance requires no examination. Optional conversion to ordinary licensure is a separate examination route.
Renewal Limit
One additional six-month term; no examination for temporary renewal.
Restrictions
Comply with Commissioner-imposed limits; license cannot continue after the business is disposed of.
Sponsor
A licensed producer or insurer assumes responsibility for all acts of the Type 2 temporary producer.
Term
Not over six months; only disabling or confining illness or injury permits one additional six-month term.

Official no-examination sources

Effective from 2024-01-01.

Type 2 temporary licensure — spouse representative
No examination is required for this applicant pathway.
Applicant Category
Surviving spouse or court-appointed personal representative after death or mental or physical disability of a licensed producer.
Discretion
Commissioner finds temporary issuance necessary to service an insurance business or best serve the public interest.
Exemption
Temporary issuance requires no examination. Optional conversion to ordinary licensure is a separate examination route.
Restrictions
Comply with Commissioner-imposed limits; license cannot continue after the business is disposed of.
Sponsor
A licensed producer or insurer assumes responsibility for all acts of the Type 2 temporary producer.
Term
Not over six months; only disabling or confining illness or injury permits one additional six-month term.

Official no-examination sources

Effective from 2024-01-01.

Substitution of a Type 2 temporary licensee
No examination is required for this applicant pathway.
Discretion
Commissioner finds temporary issuance necessary to service an insurance business or best serve the public interest.
Exemption
Temporary issuance requires no examination. Optional conversion to ordinary licensure is a separate examination route.
Remaining Term
Expiration conforms to the original authorized term; substitution does not restart it.
Restrictions
Comply with Commissioner-imposed limits; license cannot continue after the business is disposed of.
Sponsor
A licensed producer or insurer assumes responsibility for all acts of the Type 2 temporary producer.
Substitution
Original licensee unable to serve for the term; substitute satisfies the same requirements and conditions.
Term
Not over six months; only disabling or confining illness or injury permits one additional six-month term.

Official no-examination sources

Effective from 2024-01-01.

Personal Lines Exam

Provider
University of Alabama, for the Alabama Department of Insurance
Format
Computer-generated multiple-choice questions with four possible answers
Exam questions
100
Time limit
120 minutes
Passing score
70 correct answers out of 100
Exam fee
$50, non-refundable
Examination outline
  • Part I - Property & Casualty Fundamentals — Chpt 1 Property & Casualty Vocabulary
    • Key Terms
    • Insurance Company Structures
    • Domestic, Foreign, Alien, Admitted, Nonadmitted
    • Law of Agency
  • Part I - Property & Casualty Fundamentals — Chpt 2 Contract Law
    • Introduction to the Law of Contracts
    • Other Contractual Terms and Concerns
    • Underwriting
    • Policy & Rate Filings, Premium Calculation, Loss Ratio
  • Part I - Property & Casualty Fundamentals — Chpt 3 Basics of Property Insurance
    • Key Terms
    • What's Covered?
    • Claims Payment Choices
    • Cost Containment Mechanisms
    • Common Definitions, Provisions and Conditions
    • Duties Following a Loss
    • Cause of Loss Forms
  • Part I - Property & Casualty Fundamentals — Chpt 4 Basics of Liability Insurance
    • Key Terms
    • Negligence
    • "No Fault" Benefits
    • Additional Liability Issues
  • Part II - Personal Lines — Chpt 5 Homeowners & Dwelling Policies
    • Dwelling Policies
    • Homeowner's Policies
    • Section I, Coverages A, B, C & D
    • Perils Covered, Loss Payment Choice
    • DICE: Declarations, Insuring Clause, Conditions, Exclusions
    • Additional Coverages, Exclusions & Conditions
    • HO forms
    • Section II, Liability
    • Medical Payments to Others
    • Section II additional coverages & exclusions
    • Mobilehomes & other Endorsements
  • Part II - Personal Lines — Chpt 6 Personal Auto Policy
    • Coverage Overview
    • Definitions
    • Policy-wide Exclusions
    • Primary-Excess Rule
    • Coverage A, Liability
    • Coverage B, Medical Payments
    • Coverage C, UM & UIM
    • Coverage D, Damage to Your Auto
    • Part E (Duties) & Part F (General Provisions)
    • Auto Endorsements
  • Part II - Personal Lines — Chpt 7 Watercraft and Flood Policies
    • Watercraft
    • Boatowner's & Yacht Policies
    • Flood Insurance
  • Part IV - Alabama Law — Chpt 16 All Licensing Candidates
    • Overview, Insurance Commissioner
    • Obtaining a Producer License
    • Maintaining a Producer License
    • Continuing Education
    • Producer Appointment and Termination
    • Prohibited Actions
  • Part IV - Alabama Law — Chpt 17 Property & Casualty Candidates
    • General (Binders, Adjusters, Surplus Line)
    • Alabama Insurance Guaranty Association
    • Workers Compensation
    • Strengthen Alabama Homes
  • Part IV - Alabama Law — Chpt 18 Automobile Candidates
    • Financial Responsibility, Evidence of Insurance
    • Uninsured Motorist Coverage
    • Cancellation
Examination sources