Alabama Insurance Prelicensing Requirements

ALABAMA INSURANCE PRELICENSING INFORMATION

Alabama requires potential agents take and complete a state approved prelicensing course before taking their licensing exam.

 

 

HOW DO I COMPLETE MY EXAMFX PRELICENSING EDUCATION COURSE?

To earn your certificate of completion, you must:

  • Complete and pass the simulated exam with a score of 70% or better.

DON'T FORGET YOUR GUARANTEE EXAM!

ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you don’t pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

HOW DO I GET MY LICENSE?

Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue a certificate of completion which you may download and print from your online ExamFX account.

Step 2: Schedule your exam with your state’s testing provider, the Alabama Department of Insurance in partnership with the University of Alabama. Registration must be completed online at training.ua.edu/insurance-testing/index.php.

 

  1. Testing sites are located in Birmingham, Huntsville, Mobile, Tuscaloosa, Montgomery, and Gadsden, Alabama. License examination fees for single line producer exams are $50 and fees for combined line exams are $75.
  2. Once registered, a testing appointment may not be cancelled. The exam fee is nonrefundable and nontransferable. You must go back online and reregister for the exam.
  3. You may register for the exam before completion your prelicensing course; however, you must bring with you the certificate of completion issued by ExamFX upon completion of the course.

 

Step 3: Take and pass you state licensing exam. On the day of your appointment you must bring with you one valid form of government issued identification (driver’s license, passport, military I.D., etc.) that must contain your name and photograph. You must also bring with you your certificate of completion. You will not be able to take your exam if these requirements are not met.

Once you have completed your examination you will be made aware of your results. Examination results may take up to three days to appear on the Alabama Department of Insurance’s website.

Step 4: Apply for your license. Alabama resident applicants must use the online application service at www.nipr.com. Additional licensing application guidance may be accessed on the NIPR website.

Step 5: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.

WHAT WILL MY EXAM BE LIKE?

Your exam experience is dependent on the line of authority you are testing for. Carefully review the below examination breakdowns to learn important factors like:

 

  1. the number of questions on your exam
  2. the time limit
  3. the subjects that you will be tested on
  4. the score that you must achieve to pass the exam

 

Alabama Life-Only Agent Examination
125 Questions – 1.5 Hours
Passing score: 70%

CHAPTERPERCENTAGE OF EXAM
General – Life and Health Insurance22%
Life Insurance Policies23%
Life Policy, Options, and Riders34%
Annuities4%
Retirement Plans and Social Security3%
Alabama Insurance Law Common to All Lines7%
Alabama Insurance Law Pertinent to Life Insurance Only 7%

Alabama Accident and Health Agent Examination
100 Questions – 2 Hours
Passing Score: 70%

CHAPTERPERCENTAGE OF EXAM
General – Life and Health Insurance21%
Health Foundations12%
Medical Expense Policies9%
Disability Income Policies10%
Uniform Individual Health Policy Provisions Law11%
Group Health Insurance7%
Medicare, Medicaid, and Limited Health Insurance Policies14%
Alabama Insurance Law Common to All Lines9%
Alabama Insurance Law Pertinent to Accident and Health (Disability) Insurance7%

Alabama Life, Accident and Health Agent Insurance Examination
100 Questions – 2 Hours
Passing Score: 70%

CHAPTERPERCENTAGE OF EXAM
General Insurance – Life and Health Insurance20%
Life Insurance Policies 12%
Life Policy Provisions, Options, and Riders 20%
Annuities3%
Retirement Plans and Social Security2%
Health Foundations7%
Medical Expense Policies5%
Disability Income Policies4%
Uniform Individual Health Policy Provisions Law4%
Group Health Insurance3%
Medicare, Medicaid, and Limited Health Insurance Policies7%
Alabama Insurance Law Common to All Lines5%
Alabama Insurance Law Pertinent to Life Insurance5%
Alabama Insurance Law Common to All Lines3%

Alabama Property Insurance Examination
100 Questions – 2 Hours
Passing Score: 70%

CHAPTERPERCENTAGE OF EXAM
General Insurance20%
Property Fundamentals10%
Dwelling Policies15%
Homeowners Policies15%
Commercial Lines24%
Alabama Insurance Law Common to All Lines12%
Alabama Insurance Law Pertinent to Property and Casualty4%

Alabama Casualty Insurance Examination
125 Questions – 2 Hours
Passing Score: 70%

CHAPTERPERCENTAGE OF EXAM
General Insurance16%
Casualty Fundamentals6%
Auto and Watercraft Insurance20%
Commercial Lines31%
Other Commercial Lines7%
Businessowners Policy3%
Workers Compensation and Employers Liability3%
Alabama Insurance Law Common to All Lines8%
Alabama Insurance Law Pertinent to Property and Casualty3%
Alabama Insurance Law Pertinent to Auto Insurance3%

Alabama Property and Casualty Insurance Examination
150 Questions – 3 Hours
Passing Score: 70%

CHAPTERPERCENTAGE OF EXAM
General Insurance11%
Property and Casualty Fundamentals9%
Dwelling Policies5%
Homeowners Policies7%
Auto Insurance16%
Commercial Lines26%
Other Commercial Policies5%
Businessowners Policy3%
Workers Compensation and Employers Liability2%
Other Types of Policies2%
Alabama Insurance Law Common to All Lines7%
Alabama Insurance Law Pertinent to Property and Casualty3%
Alabama Insurance Law Pertinent to Auto Insurance4%

I FAILED MY EXAM. NOW WHAT?

We are sorry to hear that you have failed your first attempt at passing your state’s licensing exam. These licensing exams are difficult and some candidates must try again to reach their goal. We want to help you get there, so we recommend that you:

Step 1: Be aware of retake limitations and rules. After the second failure of an exam, you must wait until after a 90-day waiting period to reregister. After four failures, you must wait 180 days before reregistering. Waiting exams apply across all related lines of authority. For example, if you fail the Life exam your waiting period applies to the Life exam and the Life and Health combined exam.

Step 2: Reschedule your exam. You must re-register by following the initial registrations and scheduling steps.

Step 3: ExamFX’s subject matter experts are available by email at instructor.support@examfx.com to help you pass your licensing exam on your next attempt. Many testing providers will supply you with a score report or performance summary after your testing appointment. Use this report to let the ExamFX subject matter experts know what areas of the exam that you are struggling the most with.

Step 4: Study your materials. ExamFX materials are created by analyzing the exact testing outline supplied by your testing provider or Department of Insurance. This means that all the information that you need to pass your exam is within your course. Be confident that with more studying, you can pass your licensing exam and achieve your goals!

The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to make sure that the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their states requirements.