Alabama

Yes

Yes

Within 15 days of contract execution or first business submission; whichever is earlier

Appointments must be submitted within 15 days of the date the agent/agency contract is executed or the first piece of business is submitted to the carrier. The appointment submission deadline is the earlier of the two dates

Yes

$40

$40

Yes

No

No

No

Date processed through the gateway.

Yes

Via NIPR Portal

Jan. 5, 2023 until March 1, 2023

Insurance Producer: $25 Service Representative: $40 Title Insurance Agent: $10 Portable Electronics Insurance Small: $25 Portable Electronics Insurance Large: $25

No

Yes

Yes

Voluntary termination; inadequate production; death; company defunct or liquidation; company indebtedness; poor policyholder service; agent moved; appointed in error; request regulatory review

No

Date is the day processed through the gateway

There is a 30-day grace period following expiration, during which time the producer can renew with a $50 late fee plus the renewal fee. If the license is not renewed at this time, the license expires, and all company appointments are canceled. Per the Alabama Department of Insurance (482-1-147 (b)), when a producer license expires, all lines of authority between the company and the individual must be terminated

No fee

Resident New License Insurance Producer: $80 Resident New License Surplus Lines Broker: $230 Non Resident New License Insurance Producer: $80 Non Resident New License Surplus Lines Broker: $230

Resident Renewal Insurance Producer: $70 Resident Renewal Surplus Lines Broker: $200 Non Resident Renewal Insurance Producer: $70 Non Resident Renewal Surplus Lines Broker: $200

90 days before expiration

Last day of birth month every 2 years based on year of birth

Late renewal allowed for 30 days after expiration; reinstatement allowed up to one year after expiration

90 days before expiration

Last day of birth month every 2 years based on year of birth

Late renewal allowed for 30 days after expiration; reinstatement allowed up to one year after expiration

For individual's business address only

No

Residence, Business, and Mailing

Title Insurance Agent, Captive, Property & Casualty, Insurance Producer, PreNeed Sales Agent, Adjuster, Apprentice Adjuster, Surplus Line Broker, Life & Health, Temporary Producer, Service Representative, Reinsurance Intermediary, Portable Electronics Insurance Small, Portable Electronics Insurance Large, Temporary Title Insurance Agent, Pharmacy Benefit Manager

Yes

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

A producer who is not acting on behalf of an insurer is not required to become appointed. For purposes of this section, a producer who refers business to an appointed producer pursuant to Section 27-7-34 shall not be deemed to be acting on behalf of the insurer with whom the business is placed, regardless of whether commissions on this business are shared

Yes

The pre licensing course must consist of 20 classroom hours per line of authority, or equivalent individual instruction, on the general principles of insurance for that line of authority. Pre licensing education courses are taken in a classroom setting or online during which a minimum of five hours must be dedicated to the discussion of Alabama Law. Instructors must be knowledgeable of the insurance industry and all aspects of the insurance law.

Certificate of completion must be in hand before registering for state exam and will be submitted at the exam site

Once the pre licensing course is completed and a certificate is awarded, the insurance licensing examination can be taken within one year from the date of the certificate.

Holders of the professional designations CLU, CEBS, ChFC, CIC, CFP, FLMI, and LUTCF are exempt from completing a pre licensing course for the life line of authority. Holders of the professional designations CLU, CEBS, ChFC, CIC, CFP, FLMI, and LUTCF are exempt from completing a pre licensing course for the life line of authority. Holders of the professional designations CPCU, CIC, AAI, and ARM are exempt from completing a pre licensing course for the personal lines, property and casualty lines of authority. An individual who has been awarded a bachelor’s or advanced degree in insurance or major in insurance, from an accredited college or university is exempt from having to complete a pre licensing course for all lines of authority. The individual shall submit a certified copy of the college transcript to the Commissioner for verification of the exemption and will receive a certificate of exemption to provide to the examination administrator. An individual licensed as an insurance producer in another state is exempt from completing a pre licensing course in order to apply for an Alabama producer license with the same lines of authority if, at the time of application, the individual’s out-of-state license is current or was cancelled within ninety (90) days before the application and the individual is in good standing in that state or in the state’s producer database records as maintained by the NAIC. An individual currently licensed as an insurance producer or service representative (or their equivalents) in another state is exempt from completing a pre licensing course of study in order to apply for a nonresident producer or service representative license in Alabama with the same line(s) of authority if the individual is in good standing in that state or in the state’s producer database records as maintained by the NAIC. Unless exempt, an individual is required to present a certificate of completion of the appropriate pre licensing course(s), together with photographic identification, as a condition for taking insurance producer examinations.

Yes, for Resident Licensing

Required with Application - Via Gemalto Cogent Systems and valid for 30 days. Recommended submission after passing the exam and day before applying for the license

Yes

Please submit proof of citizenship using this link: https://aldoi.gov/LicenseeCZ/Initial.aspx in order to have your license issued or renewed. In accordance with the Beason-Hammon Taxpayer and Citizen Protection Act, Alabama is now required to verify the citizenship of ALL APPLICANTS. There are sixteen different identifiers, including your official driver's license, any one of which can be used as proof.

NIPR Gateway

None

No

Yes

A producer must notify the Commissioner within 30 days of any change in the producer's legal name, mailing address, or electronic mail address. Contact Change Request supported via NIPR Gateway.

Failure to notify the Commissioner within 30 days will result in a $50 penalty.

No

Yes

Yes

October 1st until December 31st during Even Years. Late Renewal period ends 30 days after the expiration date.

Yes

No

Branch office must be licensed

Yes

Yes

Yes

AK, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV, WY

CA, HI, NY, PR

Property and Casualty (excluding Workers' Compensation and Crop), Property & Casualty (including Workers' Compensation and Crop), Crop, Workers' Compensation

Initial Licensing Cost: $110 Renewal Cost: $80 Late Fee: $40 Reissue Fee (within 365 days): $160

Yes

Biennially. If the individual is born in an even numbered year, the license will expire at the end of the birth month in an odd numbered year. The same pattern goes for even numbered years.

Property and Casualty (excluding Workers' Compensation and Crop), Property & Casualty (including Workers' Compensation and Crop), Crop, Workers' Compensation

$110

No Exam Required

1 Year

This license type can only be issued once. A supervisor holding an active independent license is required. This individual can supervise up to 5 apprentices once.

This license allows adjusters who are not licensed in the state and acting on behalf of an insurer to do business in the event of a catastrophe. Emergency adjusters can register online via the TEARS system and pay a fee of $50.

24

2 years

Last day of birth month

Year of birth

Prior to license expiration.

90 days prior to month of birth

Individuals licensed less than 1 year at the time of the first CE compliance dates are exempt for the first reporting period. Individuals licensed only for credit insurance, industrial fire (debit fire) insurance, rental vehicle, motor club, dental services or legal services are also exempt from CE requirements. Producers or service representatives who are employed by another producer or insurer to work only in the office of the employer, and who do not hold a non-resident license in any other state, must complete 50% the total required hours. Individuals who are at least 60 years of age and have been licensed continuously in Alabama for at least 15 years (both of these criteria must be satisfied) are exempt from CE requirements. Individuals who hold an active Chartered Life Underwriter (CLU), Charter Property & Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Chartered Financial Consultant (ChFC), CERTIFIED FINANCIAL PLANNER (CFP), Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), Certified Health Consultant (CHC), or Associate Risk Manager (ARM) designation are exempt from CE requirements.

There's a 30 day grace period in which you can reapply and pay a $50 late fee (on top of the typical renewal fee) to keep your license current. Of course, you must also have completed your required CE.

Yes, only credit for one of each kind of course per renewal period

3

3 hours of NFIP course

8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter

One-time, 4 hour course

https://agentsync.io/blog/individual-producers/insurance-continuing-education-alabama