100+ Free AL Life & Health Practice Questions
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Key Facts: AL Life & Health Exam
62%
First-Time Pass Rate
AL DOI 2024
150 Q
Exam Questions
AL DOI
20 hrs
Pre-License Education
Title 27
$300K
Guaranty Life Limit
AL Guaranty Assoc.
24 hrs
CE Per Biennium
AL DOI
$56
Exam Fee
PSI
Alabama's life and health insurance exam has a 62% first-time pass rate. It requires 20 hours of pre-license education (Title 27, Chapter 8A), 150 questions in 2.5 hours, and 70% to pass. Alabama requires continuing education of 24 hours per biennium. The Alabama Life and Disability Insurance Guaranty Association protects policyholders with coverage limits of $300,000 for life insurance and $500,000 for health insurance.
About the AL Life & Health Exam
The Alabama life and health insurance exam covers Alabama DOI licensing requirements, state-specific life insurance regulations including free look periods and replacement rules, Alabama health insurance laws, Medicare supplement standards, and producer ethics under Alabama Code Title 27.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$56 (Alabama Department of Insurance / PSI)
AL Life & Health Exam Content Outline
AL Insurance Regulation
Alabama DOI, producer licensing, 20-hour pre-license education, continuing education, appointment process
AL Life Insurance Laws
Alabama life policy requirements, free look periods, replacement rules, annuity suitability, beneficiary rights
AL Health Insurance Laws
Alabama health policy requirements, Medicare supplement, disability income, long-term care, small group reform
AL Ethics & Practices
Unfair trade practices, producer conduct, AL Life and Disability Guaranty Association, penalties
How to Pass the AL Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $56
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
AL Life & Health Study Tips from Top Performers
Frequently Asked Questions
How hard is the Alabama life and health insurance exam?
The AL life and health exam has a 62% first-time pass rate with 150 questions in 2.5 hours, requiring 70% to pass. Alabama-specific topics like Title 27 regulations, the AL Guaranty Association, and state replacement rules are heavily tested.
What are Alabama's pre-license education requirements for insurance?
Alabama requires 20 hours of approved pre-license education before taking the life and health insurance exam. Courses must cover insurance fundamentals and Alabama-specific regulations under Title 27.
What is the Alabama Life and Disability Insurance Guaranty Association?
The Alabama Life and Disability Insurance Guaranty Association protects policyholders when an insurance company becomes insolvent. Coverage limits are $300,000 for life insurance death benefits, $300,000 for present value of annuity benefits, and $500,000 for health insurance benefits.
How much continuing education does Alabama require for insurance producers?
Alabama requires 24 hours of continuing education every two years (biennium), including 3 hours of ethics. CE must be completed through approved providers before license renewal.