Key Takeaways
- Alabama requires 20 hours of pre-license education for Property & Casualty insurance
- The Alabama P&C exam requires a 70% passing score
- Prometric administers Alabama insurance exams at testing centers statewide
- All applicants must submit to a criminal background check
- Alabama license application fee is $85 for residents; licenses are valid for 2 years
Last updated: January 2026
Alabama P&C Producer Licensing Requirements
Alabama has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
Required Pre-License Education
Alabama requires 20 hours of approved pre-license education:
| Requirement | Details |
|---|---|
| Total Hours | 20 hours |
| Course Provider | ALDOI-approved providers |
| Validity | Valid for 12 months after completion |
| Format | Classroom or online |
Note: Pre-license education must be completed BEFORE scheduling the state exam.
Examination Requirements
The Alabama Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | Prometric |
| Passing Score | 70% |
| Exam Fee | Varies by provider |
| Retake Policy | Can retake after 24 hours |
| Results | Immediate upon completion |
License Types
| License Type | What You Can Sell |
|---|---|
| Property & Casualty | All property and casualty products |
| Personal Lines | Auto and homeowners only |
| Limited Lines | Specific products (credit, travel, etc.) |
Exam Tip: Alabama requires 70% to pass, which is the standard passing score for most states.
Examination Process
- Complete 20 hours of ALDOI-approved pre-license education
- Schedule exam with Prometric online
- Bring valid ID with photo (driver's license, passport, military ID)
- Pass exam with 70% or higher
- Submit application to ALDOI
Background Check Requirements
Alabama requires a criminal background check for all insurance license applicants:
Background Check Process
- Criminal history review
- Results evaluated by ALDOI
- Felonies and certain misdemeanors may disqualify
Disqualifying Factors
ALDOI considers criminal history when evaluating applications:
- Felony convictions
- Misdemeanors involving fraud, dishonesty, or breach of trust
- Administrative actions in other states
- Pattern of violations
License Application
After passing the exam:
| Item | Details |
|---|---|
| Application | Submit online through ALDOI |
| License Fee | $85 (resident) |
| Processing Time | 2-4 weeks |
| License Term | 2 years |
Resident vs. Non-Resident
- Resident: Must maintain Alabama residence
- Non-Resident: Must hold active home state license
- Reciprocity: Alabama has agreements with most states
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