Key Takeaways
- Alabama insurance licenses are valid for 2 years and must be renewed before expiration
- Renewal requires 24 hours of continuing education, including 3 hours of ethics
- Licenses not renewed within 1 year of expiration require retaking the state exam
- Address changes must be reported to ALDOI within 30 days
- ALDOI can discipline licensees for violations including suspension, revocation, or fines
Last updated: January 2026
License Maintenance and Continuing Education
Alabama insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Renewal Fee | Approximately $75 |
| Late Renewal (within 90 days) | Fee + penalty |
| Expired 90 days - 1 year | May reinstate with CE and fees |
| Expired Over 1 Year | Must retake exam |
Continuing Education Requirements
Alabama requires 24 hours of continuing education (CE) every 2 years:
CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 3 |
| Electives | 21 |
| CE Period | 2 years (matches license term) |
CE Course Requirements
- Must be completed at ALDOI-approved providers
- Online and classroom options available
- Ethics course must include Alabama-specific content
- Cannot repeat same course within licensing period
- CE must be completed BEFORE license expiration
Exam Tip: Alabama requires 24 hours of CE with 3 hours of ethics. This is a common requirement among states.
Renewal Process
- Complete CE before expiration date
- Submit renewal through NIPR or ALDOI
- Pay renewal fee
- Receive renewed license
Reporting Requirements
Alabama producers must notify ALDOI of changes within 30 days:
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
Failure to Report
Failure to report changes within 30 days is a violation of Alabama insurance law and may result in disciplinary action.
Disciplinary Actions
ALDOI can take disciplinary action against licensees for violations:
Types of Discipline
| Action | Description |
|---|---|
| Warning Letter | Minor first offense |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Monetary penalty |
| Restitution | Payment to harmed parties |
Common Violations
- Misrepresentation to clients
- Failure to disclose material information
- Commingling of funds
- Unauthorized transactions
- Failure to maintain CE requirements
- Felony conviction
License Status
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively practicing |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
| Surrendered | Voluntarily gave up license |
Test Your Knowledge
How many hours of continuing education does Alabama require for license renewal?
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Test Your Knowledge
Within how many days must an Alabama insurance producer report an address change to ALDOI?
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