Alabama insurancelicense requirements
Alabama insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- University of Alabama
- Passing score
- 70%
- Exam fee
- $50 single, $75 combined
- License fee
- $80
- Fingerprints
- Required, through Fieldprint
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Alabama
Below, you'll find the steps to a Alabama insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Alabama insurance producers
Contact the Alabama insurance department
How much do insurance agents make in Alabama?
Alabama average insurance agent salary (all lines): $94,880
That is the mean annual wage for insurance sales agents in Alabama in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $80,640
- Health insurance agent: $49,988
- Property and casualty insurance agent: $43,296
Please note that salaries will vary based on experience level and local demand.
Does Alabama require prelicensing education?
No, Alabama does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Alabama?
Becoming an insurance producer in Alabama requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: (optional) Complete a prelicensing course that helps prepare you to take your insurance licensing exam.
- Step 2: Schedule your exam with your state’s testing provider. The Alabama Department of Insurance has partnered with the University of Alabama to facilitate this testing. To register, visit https://training.ua.edu/insurance-testing/. Make sure your name exactly matches the government-issued ID you will be using to register for and take the test. Testing sites are located in Birmingham, Montgomery, Huntsville, Mobile, and Tuscaloosa. Once you are registered, you cannot cancel your testing appointment. The exam registration fee is nonrefundable and nontransferable. If you want to take the test another day, you must go back online and re-register for the exam. Online proctored testing is also available: select "Insurance Testing – Online Proctor" when you register. You need a desktop or laptop with a camera and microphone (Chromebooks are not supported). After registering, expect an email from noreply@proctoru.com on the next business day inviting you to start the online testing process.
- Step 3: Take and pass your state's insurance licensing exam. Bring your government-issued ID (driver’s license, passport, military I.D., etc.), which must contain your name (exactly as you registered with it online) and photograph. Once you complete your exam, results could take up to three days to appear on the Alabama Department of Insurance’s website. If you passed, you can proceed to Step 4.
- Step 4: Now that you've passed, you can apply for your license! Alabama residents must apply via the online application service at www.nipr.com. Look for more information on how to apply on the NIPR website. As part of the licensing process, the state of Alabama requires fingerprinting through FieldPrint. AIm to get fingerprinted after you've passed your exam and one day before applying for the license. You can schedule your reservation at https://fieldprintalabama.com/individuals.
If you need assistance with any of these steps or have questions about specific requirements, contact the Alabama insurance department for the most current information.
Alabama insurance exam information
Alabama Life-Only Agent Examination
| Detail | Value |
|---|---|
| Questions | 125 Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 67.5% (405 of 600 first-time test takers, 2020) |
Alabama Accident and Health Agent Examination
| Detail | Value |
|---|---|
| Questions | 100 Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 61.4% (164 of 267 first-time test takers, 2020) |
Alabama Life, Accident, and Health Agent Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Questions |
| Time limit | 3 Hours |
| Passing score | 70% |
| Pass rate | 70.1% (1,094 of 1,560 first-time test takers, 2020) |
Alabama Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 0.0% (0 of 2 first-time test takers, 2020) |
Alabama Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 125 Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 46.7% (7 of 15 first-time test takers, 2020) |
Alabama Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 53.6% (90 of 168 first-time test takers, 2020) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Alabama insurance licensing fees
- Initial resident producer license: 80 dollars
- Resident producer renewal: 50 dollars
- Late renewal: allowed 30 days after expiration; 50 dollar late fee
- Reinstatement: up to one year after expiration
Alabama insurance license citizenship requirements
Proof of citizenship required under the Beason-Hammon Act; applicants must submit documentation through https://aldoi.gov/LicenseeCZ/Initial.aspx
Where can I apply for a resident insurance license in Alabama?
Apply through NIPR
How can I apply for a non-resident insurance license in Alabama?
- 1. Must be 18+. Must answer background questions
- 2. Must provide a valid residence address and have an active resident license for the same lines of authority.
- 3. Proof of U.S. Citizenship (e.g., driver's license or passport) is required and may be submitted using this link: https://aldoi.gov/LicenseeCZ/Initial.aspx
- 4. Apply via NIPR https://nipr.com/licensing-center/state-requirements/alabama-non-resident-licensing-individual. Pay the state's initial license fee of $80 plus NIPR processing fees.
- 5. Reciprocity generally waives prelicensing and examination requirements.
Alabama carrier appointments and insurance license terminations
- Required to report appointments
- Permits just-in-time appointments
- Travel insurance does not require carrier appointment for P&C producers
- Appointment must be filed within 15 days of contract execution or first business submission, whichever is earlier
- Appointment processed via NIPR
- Appointment fees: 40 dollars for resident or nonresident, individual or agency
- Agencies can be appointed
- Affiliated producers are not covered by agency appointment
- Appointment effective date is date processed
- Annual renewal required via NIPR; renewal window January 6 to March 1
- Appointment renewal fee for individual or agency: 25 dollars
Alabama insurance license termination details
- Terminations processed via NIPR
- Termination reasons include voluntary termination, inadequate production, death, company defunct, indebtedness, poor service, agent moved, appointed in error, regulatory review request
- Termination date is date processed; carrier cannot specify date
- Email termination notices allowed if sent as PDF attachment
- No termination fee
- If license expires, state automatically terminates all appointments after the 30-day grace period
Alabama insurance license renewals
License valid 2 years; renewal date is last day of birth month every 2 years; renewal opens 90 days before expiration; late renewal available for 30 days; reinstatement allowed up to one year
Alabama insurance license continuing education (CE) requirements
- 24 hours CE every 2 years; 3 hours ethics required; CE due before license renewal date; flood 3 hours; LTC 8-hour initial and 4 hours per renewal; annuity 4-hour one-time course
Alabama insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Alabama requires no prelicensing course, so you can book your exam as soon as you are ready. Allow time for your fingerprint appointment too. After you pass, you have 1 year to apply.
Yes. Alabama candidates can test online with a remote proctor through University of Alabama, or in person at a test center.
Expect to pay $50 single, $75 combined for the exam and $80 for the license. Fingerprinting and any exam prep are extra.
No. Alabama does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70%. In 2020, 70.1% of first-time test takers passed the Alabama life and health exam, according to the NAIC.
Yes. Resident applicants in Alabama are fingerprinted through Fieldprint.
Apply through NIPR after you pass your exam.
Alabama requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing, exam fee, passing score and online exams: training.ua.edu
- Exam provider: aldoi.gov
- License fee, where to apply and time to apply after passing: aldoi.gov
- Fingerprints: aldoi.gov
- Continuing education: aldoi.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Alabama and exam provider sources as of . Licensing rules and fees change, so confirm them with the Alabama insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Alabama, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
