625+ Free AL Life & Health Practice Questions

Prepare for the Alabama Life & Health Insurance Exam exam with instant access — no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately

62% Pass Rate

625+ Questions

100% Free

Loading practice questions...

Same family resources

Explore More Life & Health Insurance

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

More From This Family

Videos and articles for deeper review.

Video100+ FREE Life Insurance Sales Roleplay Drills (2026)Video9 Science-Backed Study Methods for Certification Exams (2026)VideoAccelerated Death Benefit Explained VideoActual Cash Value (ACV) Explained ArticleAlabama Medicare Supplement (Medigap) Insurance Plans 2026: Costs, Enrollment & Best Plans14 min read Article100+ FREE Life Insurance Sales Roleplay Drills (2026)12 min read ArticleStudy for an Exam While Working Full-Time (2026)16 min read Article9 Science-Backed Study Methods for Certification Exams (2026)14 min read

2026 Statistics

Key Facts: AL Life & Health Exam

62%

First-Time Pass Rate

ALDOI 2025 report

150 Q

Exam Questions

AL DOI

0 hrs

Required Pre-License Education

Eliminated Jan. 1, 2024

$300K

Guaranty Life Limit

AL Guaranty Assoc.

24 hrs

Standard CE Per Biennium

AL DOI

$75

Exam Fee

ALDOI combined exam

Alabama's combined Life and Health producer exam has 150 questions, a 3-hour limit, and requires 105 correct answers (70%) to pass. Mandatory pre-license education was eliminated effective January 1, 2024. The University of Alabama currently administers the examination for ALDOI. ALDOI's 2025 report showed a 62% first-attempt pass rate and 60% across all attempts.

Sample AL Life & Health Practice Questions

Try these sample questions to test your AL Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 625+ question experience with AI tutoring.

1Which state agency is responsible for regulating insurance companies and producers in Alabama?

A.Alabama Insurance Commission

B.Alabama Department of Insurance (ALDOI)

C.Alabama Bureau of Insurance Regulation

D.Alabama Department of Finance, Insurance Division

Explanation: The Alabama Department of Insurance (ALDOI), headed by the Commissioner of Insurance, is the state agency that regulates all insurance activities in the state under Title 27 of the Alabama Code. The Alabama Insurance Commission, Bureau of Insurance Regulation, and Department of Finance Insurance Division do not exist as named. The Commissioner is appointed by the Governor and confirmed by the Alabama Senate.

2How is the Alabama Commissioner of Insurance selected?

A.Elected by popular vote in a statewide election

B.Appointed by the Governor and confirmed by the Alabama Senate

C.Appointed by the Alabama Legislature

D.Selected by a board of insurance industry representatives

Explanation: In Alabama, the Commissioner of Insurance is appointed by the Governor and must be confirmed by the Alabama Senate. This differs from some states where the insurance commissioner is elected. The Legislature does not appoint the Commissioner, and industry representatives have no role in the selection process.

3Under Alabama law, which title of the Alabama Code governs insurance regulation?

A.Title 8 - Commercial Law

B.Title 22 - Health, Mental Health, and Environmental Control

C.Title 27 - Insurance

D.Title 34 - Professions and Businesses

Explanation: Title 27 of the Alabama Code is specifically designated as the Insurance Code and contains all statutes governing insurance companies, producers, policies, and regulatory requirements in the state. Title 8 covers commercial law, Title 22 addresses health administration, and Title 34 covers other professions but not insurance producers specifically.

4Which statement about pre-licensing education for the Alabama life and health insurance producer license is correct?

A.Alabama mandates 40 hours of state-approved pre-licensing education before the exam

B.Alabama no longer requires pre-licensing education; candidates may sit for the exam without completing an approved course

C.Alabama requires 24 hours of pre-licensing education plus a 3-hour ethics course

D.Alabama requires 90 hours of pre-licensing education for combined life and health

Explanation: Effective January 1, 2024, Alabama eliminated the mandatory pre-licensing education requirement for insurance producers. A candidate may register for and sit for the Life & Health licensing examination without first completing an approved pre-licensing course, though many candidates still take optional prep courses (commonly 20 hours per line, or a 40-hour combined life and health course) to prepare. The 24-hour figure is the biennial continuing education requirement, not a pre-licensing mandate.

5What is the minimum age requirement to obtain an insurance producer license in Alabama?

A.16 years old

B.18 years old

C.19 years old

D.21 years old

Explanation: Alabama requires that insurance producer license applicants be at least 18 years of age. While Alabama's general age of majority is 19, the insurance producer licensing requirement is 18. An applicant who is 16 is too young, and there is no 21-year-old requirement for producer licensing in Alabama.

6How many hours of continuing education (CE) must an Alabama insurance producer complete per biennial licensing period?

A.12 hours per year

B.20 hours per biennium

C.24 hours per biennium

D.30 hours per biennium

Explanation: Alabama requires insurance producers to complete 24 hours of approved continuing education during each two-year (biennial) licensing period. This includes specific hours dedicated to ethics training. 20 hours is the pre-licensing requirement, not CE. 12 hours per year and 30 hours per biennium are not the correct Alabama CE requirements.

7An Alabama insurance producer fails to renew their license before the expiration date. What is the consequence under Alabama law?

A.The license is automatically renewed with a late fee

B.The producer may continue selling for 30 days while completing renewal

C.The producer must cease all insurance activities until the license is reinstated

D.The ALDOI will issue a temporary permit valid for 90 days

Explanation: Under Alabama law, a producer whose license has expired must immediately cease all insurance activities. Transacting insurance without a valid license is a violation of Title 27. There is no automatic renewal, no grace period to continue selling, and the ALDOI does not issue temporary permits for lapsed licenses. The producer must apply for reinstatement and may be subject to penalties.

8Which of the following actions would the Alabama Commissioner of Insurance be authorized to take against a licensed producer who violates Title 27?

A.Impose criminal penalties including imprisonment

B.Revoke, suspend, or refuse to renew the producer's license and impose civil penalties

C.Order the producer to pay restitution directly to consumers without a hearing

D.Transfer the producer's license to another state for disciplinary proceedings

Explanation: The Alabama Commissioner of Insurance has the authority to revoke, suspend, or refuse to renew a producer's license and impose civil penalties for violations of insurance laws. Criminal penalties require prosecution through the court system, not the Commissioner's office. The Commissioner cannot order restitution without due process, and licenses are state-specific and cannot be transferred to another jurisdiction for discipline.

9A nonresident producer wants to sell life insurance in Alabama. Which of the following is required?

A.The producer must establish a physical office in Alabama

B.The producer must hold a valid license in their home state and apply for a nonresident license in Alabama

C.The producer must pass the Alabama insurance producer examination

D.The producer must complete Alabama's 20-hour pre-licensing course

Explanation: Under Alabama's reciprocal licensing provisions, a nonresident producer must hold a valid license in their home state and apply for a nonresident license in Alabama. They are generally not required to retake the licensing exam or complete Alabama's pre-licensing education if their home state has reciprocal agreements. They also do not need to establish a physical office in Alabama.

10Under Alabama's CE requirements, how many of the 24 required biennial hours must be in ethics?

A.2 hours

B.3 hours

C.4 hours

D.6 hours

Explanation: Alabama requires that 3 of the 24 biennial continuing education hours be dedicated to ethics training. This ethics component ensures producers maintain current knowledge of ethical standards and regulatory compliance. 2 hours and 4 hours are not the correct Alabama ethics CE requirement, and 6 hours would exceed the mandate.

About the AL Life & Health Exam

The Alabama combined Life and Health producer examination covers general insurance, life insurance, health insurance, and Alabama insurance law. ALDOI's official outline assigns 30, 55, 45, and 20 questions to those four parts respectively.

Questions

150 scored questions

Time Limit

3 hours (180 minutes)

Passing Score

70% (105 of 150 correct)

Exam Fee

$75 for the combined examination (Alabama Department of Insurance / University of Alabama)

AL Life & Health Exam Content Outline

20%

General Life and Health Insurance

30 questions on insurance purpose, contract law, underwriting, and applications

36.7%

Life Insurance

55 questions on life products, provisions, options, riders, annuities, retirement, group life, and Social Security

30%

Health Insurance

45 questions on health foundations, medical expense, disability, individual and group provisions, public programs, and limited policies

13.3%

Alabama Insurance Law

20 questions on laws for all candidates plus life- and health-specific Alabama law

How to Pass the AL Life & Health Exam

What You Need to Know

Passing score: 70% (105 of 150 correct)
Exam length: 150 questions
Time limit: 3 hours (180 minutes)
Exam fee: $75 for the combined examination

Keys to Passing

Work through all 625 available questions
Review every answer and explanation
Track weak areas and revisit them
Use our AI tutor for tough concepts

AL Life & Health Study Tips from Top Performers

1Master Alabama DOI licensing requirements under Title 27, Chapter 8A

2Know the AL Guaranty Association coverage limits: $300K life, $500K health

3Understand Alabama's replacement regulation requirements for life insurance

4Study Medicare supplement standardized plans as they apply in Alabama

5Learn Alabama's 10-day free look period for life insurance and 30 days for Medicare supplement

Frequently Asked Questions

How hard is the Alabama life and health insurance exam?

The combined exam has 150 questions in 3 hours and requires 105 correct answers (70%) to pass. ALDOI's 2025 report showed a 62% first-attempt pass rate and 60% overall. The official blueprint includes 30 General, 55 Life, 45 Health, and 20 Alabama Law questions.

What are Alabama's pre-license education requirements for insurance?

Alabama eliminated mandatory producer pre-license education effective January 1, 2024. Preparation courses remain optional; candidates should follow the current ALDOI application, examination, and resident fingerprinting requirements.

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?

The standard Alabama producer requirement is 24 hours every two years, including 3 ethics hours. A producer or Service Representative employed by another producer or insurer, working only in that employer's office, and not licensed as a nonresident in another state completes 12 hours including 2 ethics. Current statutory and grandfathered exemptions can also apply.

625+ Free AL Life & Health Practice Questions

Explore More Life & Health Insurance

Life & Health

California Life & Health Insurance

Florida Life & Health Insurance

Texas Life & Health Insurance

Mississippi Life & Health Insurance

Georgia Life & Health Insurance