Alabama Insurance License Exam

Passing your Alabama insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Alabama.

In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Alabama insurance licensing exam, and on what to do after you pass.

Alabama Insurance Exam Basics

General Information

The state of Alabama administers its insurance agent licensing through the University of Alabama.

Each major insurance line examination is made up of multiple-choice questions and includes both general and state-specific material.

The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Alabama insurance regulations and laws that you will need to know in order to operate as an insurance agent.

Note: A score of 70% or higher is required in order to pass an insurance license exam in Alabama.

Cost

Your Alabama insurance license exam cost will depend on the number of examinations that you take:

Examination	Cost	Time           Allowed	Number of Questions
Life Producer	$50	150    Minutes	125
Health Producer	$50	120     Minutes	100
Life & Health	$75	180    Minutes	150
Property Producer	$50	120     Minutes	100
Casualty Producer	$50	150   Minutes	125
Property & Casualty	$75	180      Minutes	150

Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

Alabama Life and Health Insurance Exam

Below you can find the content outline offered by the University of Alabama.

We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

Life and Health Insurance Exam Content Outline

I. General Life and Health Insurance

1. Purpose of Insurance
2. Contract Law
3. Underwriting and the Application

II. Life Insurance

1. Traditional Life Policies
2. Flexible Feature Life Policies
3. Policy Provisions
4. Policy Options
5. Policy Riders
6. Annuities and Retirement Plans
7. Business and Group Life
8. Social Security

III. Health Insurance

1. Health Foundations
2. Medical Expense Policies
3. Disability Income Policies
4. Uniform Individual Health Policy Provisions Law
5. Group Health
6. Medicare and Medicaid
7. Limited Health Insurance Policies

IV. Alabama Insurance Law

1. All Licensing Candidates
2. Life Insurance Candidates
3. Accident and Health (Disability) Insurance Candidates

Alabama Property and Casualty License Exam

Below you can find the content outline offered by the University of Alabama.

You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

Property and Casualty Exam Content Outline

I. Property & Casualty Fundamentals

1. Property & Casualty Vocabulary
2. Contract Law
3. Basics of Property Insurance
4. Basics of Liability Insurance

II. Personal Lines

1. Homeowners & Dwelling Policies
2. Personal Auto Policy
3. Watercraft and Flood Policies

III. Commercial Lines

1. The Commercial Package Policy
2. Commercial Property
3. Commercial General Liability
4. Crime and Fidelity Bonds
5. Equipment Breakdown Coverage
6. Other Commercial Policies
7. Businessowners Policy
8. Workers Comp and Employers Liability

IV. Alabama Law

1. All Licensing Candidates
2. Property & Casualty Candidates
3. Automobile Candidates

How to Pass the Alabama Insurance Exam

Passing your Alabama insurance exam ultimately comes down to your mindset and degree of preparation.

We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

Get a Pre-License Course

Getting a pre-license course can go a long way in helping you get accustomed to the prolific amount of content that you will have to memorize. It is also a legal requirement in the state of Alabama.

We recommend ExamFX’s course because it offers a variety of helpful features, including:

• More course options than any other provider
• Impressive 93% overall licensing exam pass rate
• Generous money-back guarantee

Make Enough Time to Study

Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

Control Test Anxiety

Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

• Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
• Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
• Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
• Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

Getting Your Alabama Insurance License

Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

You can apply for your license up to 12 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application, you are totally free to do that.

After you have passed your insurance licensing exam, you will need to:

• Complete a fingerprint and background check
• File your licensing application
• Submit proof of citizenship to the Alabama Department of Insurance
• Wait for your application to be reviewed

Alabama Department of Insurance Contact Information

Mailing Address:
P. O. Box 303351
Montgomery, Alabama 36130

Phone: (334) 241-4126

Email: ProducerLicensing@insurance.alabama.gov

Fax: (334) 240-3282

Website: http://www.aldoi.gov/

License Search: Alabama Insurance License Search and Lookup