State of Alabama Insurance Testing Requirements
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. http://www.aldoi.gov/Licensing/Prelicensing.aspx
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 or fraud.
- 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: http://aldoi.gov/Licensing/ProducerReq.aspx
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.