State of Alabama Insurance Testing
Those wishing to take the exam must complete an accredited prelicensing course of
study for the lines of authority desired before taking any examination.. See State
of Alabama Department of Insurance's website detailing prelicensing course requirements.
Exemption to theses pre-licensing course requirements can be found on the State of Alabama
Department of Insurance's website. http://www.aldoi.gov/Licensing/ExaminationExemptions.aspx
Producers must be at least 18 years of age.
Applicants must not have committed any act that is a ground for denial, suspension,
or revocation of license, as follows:
- Providing incorrect, misleading, incomplete, or materially untrue information in any
application or in any communication to the commissioner.
- Obtaining or attempting to obtain a license through misrepresentation or fraud.
- Intentionally misrepresenting the terms of any actual or proposed insurance contract
or application for insurance.
- Having admitted or been found to have committed any insurance unfair trade practice
- For inducing, persuading, or advising any policyholder to surrender or cause to be
canceled any policy of insurance issued to the policyholder by any authorized insurer
in exchange for a policy offered by the licensee where the surrender or cancellation
shall proximately result to the financial detriment of such policyholder, unless the
policyholder shall have been fully advised of that fact by the licensee.
- Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence,
untrustworthiness, or financial irresponsibility in the conduct of business under
a license in this state or elsewhere.
- Improperly withholding, misappropriating, or converting any monies or properties belonging
to the insurers, insured, or others received by the licensee in the exercise of his
or her license.
- Violating insurance laws or violating any valid order, subpoena, rule, or regulation,
issued by the commissioner or issued by another state's insurance commissioner.
- Having been convicted of a felony.
- Having an insurance producer license, or its equivalent, denied, suspended, or revoked
in any other state, province, district, or territory.
- Forging another's name to an application for insurance or to any document related
to an insurance transaction.
- Improperly using notes or any other reference material to complete an examination
for an insurance license.
- Knowingly accepting insurance business from an individual who is not licensed.
- Failing to comply with an administrative or court order imposing a child support obligation.
- Failing to pay state income tax or failing to comply with any administrative or court
order directing payment of state income tax.
More details can also be found on the State of Alabama Department of Insurance's website:
Effective April 1, 2015, all individual resident applicants seeking to become licensed
as Producers, Adjusters or Title Agents must have completed a Fingerprint background
check. You should seek to get fingerprinted after passing the state exam and one day
before applying for the license. For more information on fingerprinting requirements,
visit the Alabama Department of Insurance's website.