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How to get an insurance license in Alabama. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $279.20 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
Most information on this page has been verified.
87% of data points are verified against official sources. 3 fields based on preliminary research. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$279.20
Gov. Fees (Both)
Insurance Producer
Alabama issues separate lines of authority including Life, Accident & Health, Property, Casualty, and Personal Lines. Combined exams are available for Property & Casualty and Life/Accident & Health. As of January 1, 2024, Alabama no longer requires pre-licensing education.
Other Available Lines of Authority
No pre-licensing education required
Removed effective 1/1/2024. Exam prep recommended but not mandatory.
Alabama Property and Casualty Insurance Exam
Administered by University of Alabama
Combined P&C: 150; Property only: 100; Casualty only: 125
Questions
70%
Passing Score
Combined P&C: 3 hours; Property only: 2 hours; Casualty only: 2.5 hours
Time Limit
$75
Exam Fee
Combined P&C exam has 150 questions with a 3-hour time limit. Property only has 100 questions (2 hours). Casualty only has 125 questions (2.5 hours). 70% passing score required. Administered by the University of Alabama in partnership with ALDOI. Testing sites in Birmingham, Huntsville, Mobile, Tuscaloosa, and Montgomery. Remote testing also available.
No pre-licensing education required
Removed effective 1/1/2024. Exam prep recommended but not mandatory.
Alabama Life, Accident and Health Insurance Exam
Administered by University of Alabama
Combined L&H: 150; Life only: 125; Accident & Health only: 100
Questions
70%
Passing Score
Combined L&H: 3 hours; Life only: 2.5 hours; Accident & Health only: 2 hours
Time Limit
$75
Exam Fee
Combined Life, Accident & Health exam has 150 questions with a 3-hour time limit. Life only has 125 questions (2.5 hours). Accident & Health only has 100 questions (2 hours). 70% passing score required.
Minimum Age
18 years old
Education
No formal education requirement. Pre-licensing education is no longer required as of January 1, 2024.
Residency
Must apply as resident producer if domiciled in Alabama. Non-residents apply through NIPR with active home state license.
Background Check
Alabama requires fingerprinting through FieldPrint (fieldprintalabama.com). Fingerprint results remain in the system only 30 days after being taken — if the application reaches ALDOI after 30 days, you must get fingerprinted again.
Fingerprinting
Required
Citizenship
US citizen or authorized to work in the US
| Fee | Amount |
|---|---|
Application Fee Initial resident application fee through NIPR. Plus $5.60 NIPR transaction fee. | $80 |
P&C Exam Fee Combined P&C exam fee. Individual Property or Casualty exam is $50. | $75 |
L&H Exam Fee Combined Life & Health exam fee. Individual Life or Accident & Health exam is $50. | $75 |
Fingerprinting Fee FieldPrint fingerprinting fee. Some sources report $47.20-$49.20. | $49.20 |
Total Gov. Fees (Single Line) Application ($80) + combined exam ($75) + fingerprinting ($49.20) = $204.20. Add $5.60 NIPR transaction fee if applicable. | $204.20 |
Total Gov. Fees (Both Lines) Application ($80) + P&C exam ($75) + L&H exam ($75) + fingerprinting ($49.20) = $279.20. Add $5.60 NIPR transaction fee if applicable. | $279.20 |
Pre-Licensing Course Cost: $0-$300(per line)
Pre-licensing education is not required in AL, so this is optional exam prep. NOT a government fee.
Study for the Property & Casualty exam (pre-licensing education no longer required since January 1, 2024)
Register for the exam through the University of Alabama (training.ua.edu)
Schedule and take the P&C exam at a testing site or remotely
Pass the exam with 70% or better
Schedule and complete fingerprinting through FieldPrint (fieldprintalabama.com)
Apply for your license through NIPR (nipr.com) within 30 days of fingerprinting
Pay the $80 application fee (plus $5.60 NIPR transaction fee)
Receive license approval from Alabama Department of Insurance
Obtain appointment from at least one insurance carrier
Study for the Life, Accident & Health exam (pre-licensing education no longer required since January 1, 2024)
Register for the exam through the University of Alabama (training.ua.edu)
Schedule and take the L&H exam at a testing site or remotely
Pass the exam with 70% or better
Schedule and complete fingerprinting through FieldPrint (fieldprintalabama.com)
Apply for your license through NIPR (nipr.com) within 30 days of fingerprinting
Pay the $80 application fee (plus $5.60 NIPR transaction fee)
Receive license approval from Alabama Department of Insurance
Obtain appointment from at least one insurance carrier
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products.
Appointment fee: Paid by carrier
Alabama participates in NIPR. Non-resident producers with active home state licenses can obtain Alabama licenses without additional exams. Non-residents must comply with home state CE; if home state does not have reciprocity, must meet Alabama CE requirements.
Additional requirements: Must hold active license in good standing in home state. Non-residents from states without CE reciprocity must meet Alabama CE.
Renewal Cycle
2 years
Renewal Fee
$70
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. Alabama charges an additional $1 per credit hour filing fee collected by the CE provider. Non-residents must comply with home state CE requirements — if home state does not have reciprocity with Alabama, must meet Alabama CE requirements.
Regulatory Board
Unique to Alabama: Alabama is unique in using the University of Alabama as its exam administrator (most states use Pearson VUE or PSI). The state eliminated its pre-licensing education requirement effective January 1, 2024. Fingerprint results expire after only 30 days, creating urgency to submit applications quickly.
Explore requirements for other professional licenses in Alabama.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#14 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$46,380
25th percentile
Median
$63,060
+4% vs. national avg ($60,370)Experienced
$102,440
75th percentile
Wage Distribution (Annual)
7,900 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder+27% salary growth potential
You are here
Insurance Agent
$63,060
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$63,060
Adjuster licensing + claims experience
$80,060
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Source: Alabama Department of Insurance — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Alabama Department of Insurance — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Alabama Department of Insurance — Licensing Requirements
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