How to get a Alabama life & health license
Requirements, exam, fees and the order to do things in — from the Alabama Department of Insurance and the exam handbook.
Step by step
- Study for the exam — Alabama doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with University of Alabama (state exam vendor) ($50). Read the candidate handbook.
- Get fingerprinted if required — Required for resident producer (major lines) and adjuster applicants (since 2015); results valid 30 days; cost.
- Apply for the license through NIPR or the Alabama Department of Insurance ($80).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: 2 years (birth month)).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Alabama (optional here, but it lifts pass rates). Some links may be affiliate links.
Alabama Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | None required | None required |
| Exam vendor | University of Alabama (state exam vendor) | University of Alabama (state exam vendor) |
| Exam fee | $50 | $50 |
| Questions / time | 125 · 150 min | 100 · 120 min |
| License application fee | $80 | $80 |
| Fingerprints | Required for resident producer (major lines) and adjuster applicants (since 2015); results valid 30 days; cost verify | Required for resident producer (major lines) and adjuster applicants (since 2015); results valid 30 days; cost verify |
| Continuing education | 24 hours · 2 years (birth month) | 24 hours · 2 years (birth month) |
Life: Prelicensing certificate no longer required as of 1/1/2024; combined Life & Health exam 150 q/180 min $75; CE 24 hrs incl 3 ethics.
Accident & Health: Separate Health exam or combined L&H (150/180, $75).
Minimum age 18. Sources: University of Alabama Insurance Testing (AL DOI exam vendor) · NIPR Alabama resident licensing · ALDOI Continuing Education General Info. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Alabama licenses
Property & Casualty license · Adjuster license · All Alabama insurance licenses
Questions
How long does it take to get a life and health insurance license in Alabama?
Alabama has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Alabama Life & Health license cost?
State fees (exam + application) come to about $260, plus fingerprints and a course if you take one.
Who runs the Alabama insurance exam?
University of Alabama (state exam vendor). Book the exam on the vendor's site after reading the candidate handbook.