How to get an Insurance Producer license in Alabama

Alabama insurance agent licenses

Alabama issues 4 insurance agent credentials. Each has its own section below; the table shows what each one covers and its headline requirements.

Rules shared by several license levels

These rules are the same for several of the Alabama insurance agent licenses on this page, so they are shown once here, with the licenses they apply to. Each license's own section lists only what differs.

1. Every license level except Temporary Producer License

Fees

Renewal

How often

Every 2 years⁵

2. Insurance Producer (resident individual) and Temporary Producer License

Requirements

Minimum age

18 years old¹²

3. Insurance Producer (resident individual) and Nonresident Producer License

What it covers

Sells, solicits or negotiates insurance in Alabama for the lines of authority on the license (life; accident and health or sickness; property; casualty; variable life and variable annuity; personal lines; plus limited lines).⁹

Fees

Renewal

Renewal fee

$70¹⁴ (Individual producers, renewals through December 31, 2026)

Continuing education

At least 24 classroom hours each renewal period⁶⁵

Late renewal

Late renewal fee: $60⁵ (renewal within 30 days after expiration, from January 1, 2027 (482-1-110-.04 as amended))
Renewal fee: $84⁵ (individual producers, from January 1, 2027)

Requirements for an Insurance Producer license

More rules for this license are shared with other levels: group 1, group 2 and group 3 under Rules shared by several license levels.

Exam

Alabama insurance producer examination (per line of authority: Life, Health, Property, Casualty, Personal Lines, Bail Bonds; combined Life and Health and combined Property and Casualty exams also offered)²
Passing score: 70 out of 100²
The examination tests the lines of authority applied for, producer duties and responsibilities, and Alabama insurance laws and regulations.¹⁰
Retakes: After two failures on a line, wait at least 90 days; after two more failures, wait at least 180 days before each further attempt. Waiting periods lapse 24 months after the last failure. A fee is paid for every attempt.²
Time limit: Exam results certificate is valid for one year from issuance; apply for the license within that year.²
Exam waived: No exam for limited lines only (credit, rental vehicle, crop, portable electronics, travel, legal services, dental services, motor club, self-service storage) or variable life/variable annuity only; no exam for a producer licensed in another state for the same lines if the license is current or was canceled within 90 days.²

Background check

Background check required³
Fingerprints required¹⁵
State (ALEA/Department of Public Safety) and FBI checks; a check is valid for applications filed within 365 days, but ALDOI says prints stay in its system only 30 days. Felony conviction and other acts in § 27-7-19 are grounds for denial.¹⁵

Residency or citizenship

Proof of U.S. citizenship or lawful presence is required (Beason-Hammon Act); the license is not issued until it is received.⁴

Also required

Must be appointed by each insurer represented; appointment filed within 15 days by the insurer.¹³

Also required

Report name, mailing or email address changes within 30 days ($50 penalty if late).¹⁶

Other requirements and options

Limited-lines-only and variable life/annuity-only applicants do not take the exam; variable products also require the life line and securities registration.¹²

How much an Insurance Producer license costs

Some lines are combined figures, or parts of one; do not add the lines up.

How to apply

1. Pass the Alabama producer exam for each line of authority you want (exam certificate valid one year).²
2. Get fingerprinted through Fieldprint (the only vendor ALDOI accepts); results stay in ALDOI's system only 30 days.⁴
3. Wait 3-5 business days after passing, then apply online through NIPR, selecting every line of authority you want.⁴
4. Submit proof of citizenship within 10 days or the application is rejected.⁴
5. Be appointed by each insurer you will represent (the insurer files the appointment and pays the appointment fee).²

Apply online

nipr.com⁴

Temporary or provisional license

A six-month temporary producer license (pending exam) is available when sponsored by an appointing insurer.²

Renewal and continuing education

When it expires

Expires at the end of the birth month: odd-numbered years for those born in an odd year, even-numbered years for those born in an even year. A new license will not expire within its first 90 days.⁵

Required topics

3 hours insurance producer ethics (of the 24)⁶
Office-only employees: 12 hours incl. 2 hours ethics⁶

Approved courses

Courses must be approved by the Commissioner; self-study/internet courses need a proctored exam with a 70% pass mark. Exam-prep, office-skills, sales and motivation courses do not count.⁵

Exemptions

Newly licensed producers are exempt for the first 12 months.⁶
Limited-lines-only producers are exempt.⁶

If it expires

30-day grace period after expiration (renew with late fee). Within 12 months of expiration the license can be reissued without re-examination; after 12 months a resident must retest and be fingerprinted again.²

Renew online

nipr.com⁴

Moving to Alabama with a license from another state

These are the routes ALDOI publishes for the Insurance Producer license. The other insurance agent licenses have their own routes in their sections below.

Military service members, veterans and spouses: Eligible military spouses (Military Family Jobs Opportunity Act, § 31-1-6) get the initial license fee waived and the application processed within 30 days. Producers unable to renew because of military service may request a waiver of renewal procedures.¹⁷

Temporary Producer License

Lets a person sell for the sponsoring insurer for up to six months while completing the exam (life, health, property, casualty, personal lines).²

Requirements

Education or training

Must be actively engaged in a prelicensing course under the supervision of the appointing insurer.²

Exam

Producer exam must be passed within the six-month term to convert to a regular license²
Not required⁸

Also required

One temporary license per line per lifetime; the insurer must have the applicant sign a disclosure statement.²

Fees

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

How to apply

1. Enrol in a prelicensing course supervised by the appointing insurer and sign the insurer's disclosure statement.²
2. Apply through the Department's online licensing process; the insurer files the appointment and its request for the temporary license.²
3. Pass the exam within six months to convert to a regular producer license.²

Renewal

How often

Every 6 months²

From another state

More rules for this license are shared with other levels: group 2 under Rules shared by several license levels.

Nonresident Producer License

Requirements

Exam

Not required²

Background check

Nonresident license may be denied for the grounds in § 27-7-19.¹⁸

Also required

Must hold a resident producer license in good standing in the home state, and the home state must license Alabama residents on the same basis.¹⁸

Fees

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

How to apply

1. Hold a current resident producer license in your home state.¹⁸
2. Apply online (NIPR) or send a copy of your home-state application or a Uniform Application, with the fees.²
3. Be appointed by each insurer you represent.²

Renewal

Exemptions

Home-state CE satisfies Alabama CE if the home state reciprocates.¹⁸

From another state

More rules for this license are shared with other levels: group 1 and group 3 under Rules shared by several license levels.

Business Entity Producer

A corporation, LLC, partnership or other entity acting as an insurance producer. Individuals trading under a trade name cannot get an entity license without forming an entity.¹²

Requirements

Business requirements

Designate at least one licensed individual producer responsible for compliance for each line of authority.²

Business requirements

Foreign entities may also need to register with the Alabama Secretary of State.²

Fees

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

How to apply

1. Alabama-domiciled entities apply through the Department's online licensing process; foreign entities may apply online or send a copy of their home-state application.²
2. Name a designated responsible licensed producer (ALDOI Form AL-DP-1 is used to change or add one).⁴
3. Be appointed by each insurer the entity represents.²

Renewal

When it expires

Expires December 31 of every even-numbered year; renewal opens October 15.⁵

Renewal fee

$100⁵ (Business entity)

Late renewal

Late renewal fee: $60⁵ (within 30 days after expiration; text of 482-1-110-.04 as amended effective January 1, 2027)

From another state

More rules for this license are shared with other levels: group 1 under Rules shared by several license levels.

Laws and rules

The requirements above come from these laws and board rules.

• Code of Ala. 1975 § 27-7-4
• Code of Ala. 1975 § 27-7-5
• Code of Ala. 1975 § 27-7-4.3
• Code of Ala. 1975 § 27-7-4.4
• Code of Ala. 1975 § 27-7-14.1
• Code of Ala. 1975 § 27-4-2(a)(5)-(6)
• Code of Ala. 1975 § 27-8A-1
• Code of Ala. 1975 § 27-8A-9
• Ala. Admin. Code ch. 482-1-147
• Ala. Admin. Code ch. 482-1-110
• Ala. Admin. Code ch. 482-1-157
• Code of Ala. 1975 § 27-7-29.1
• Ala. Admin. Code ch. 482-1-165
• Code of Ala. 1975 § 27-7-24
• Code of Ala. 1975 § 27-7-23
• Code of Ala. 1975 § 27-7-28

Rule changes since January 2024

• January 1, 2027: Individual producer renewal fee rises from $70 to $84 and the late fee from $50 to $60 (482-1-110-.04 amended, published August 31, 2026).⁵
• January 1, 2024: Prelicensing education rule repealed; new service representative licenses ended after January 1, 2024 (§ 27-7-5(f)).¹²

Common questions

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