Road Map to Your Life & Health Insurance License in the Heart of Dixie
An Alabama life and health insurance license allows you to work with products such as life insurance, annuities, health insurance, disability income coverage, medical expense policies, and related insurance solutions.
To get licensed, you will need to choose the correct license path, study for the Alabama Life & Health exam, pass the state exam, complete fingerprinting, submit proof of citizenship, and apply online through NIPR.
If you want to sell life insurance, health insurance, annuities, disability income insurance, medical expense coverage, or related products, you will likely need an Alabama life and health insurance license.
The Alabama Department of Insurance regulates insurance producer licensing in the state. Alabama’s producer licensing exams are administered through the University of Alabama insurance testing program, and candidates must pass the required state exam before applying for a license. Alabama no longer requires a prelicensing certificate as of January 1, 2024, but candidates still need to prepare carefully because the exam is broad, timed, and state-specific. The University of Alabama insurance testing site confirms that Alabama no longer requires a prelicensing certificate, and that a 70% or higher score is considered passing.
This guide walks you through the full Alabama Life & Health licensing process, including exam choices, exam content, fees, fingerprinting, the online application, renewals, continuing education, and Alabama-specific rules to know before test day.
Quick Facts About the Alabama Life & Health License
| Requirement | Alabama L&H Licensing Detail |
|---|---|
| State regulator | Alabama Department of Insurance |
| Exam vendor | University of Alabama Insurance Testing |
| Main exam option | Life & Health |
| Combined L&H exam length | 150 questions |
| Combined L&H exam time | 3 hours |
| Passing score | 105 correct out of 150 |
| Passing percentage | 70% |
| Prelicensing certificate | Not required as of January 1, 2024 |
| Minimum age | 18 |
| Fingerprinting | Required for resident individual producer applicants |
| Fingerprint vendor | Fieldprint |
| Application method | Online through NIPR |
| Proof of citizenship | Required before license issuance |
| Exam certificate validity | One year from exam completion |
| Continuing education | 24 hours per biennial reporting period unless exempt |
The Alabama Department of Insurance publishes examination content outlines for producer exams and explains that each outline shows how many questions appear from each section of the study material. Candidates are encouraged to review the official outline so they can see the relative weight of each exam section.
Alabama Life & Health License Options
Not every candidate needs the same authority. Alabama offers combined and single-line exam options depending on the products you plan to sell.
| Exam Path | Best For Candidates Who Want To Sell |
|---|---|
| Life & Health | Broad authority for both life and health insurance products |
| Life Only | Life insurance, annuities, and related life products |
| Health Only | Accident and health insurance, disability income, medical expense, and related health products |
Most candidates who want a flexible insurance career path choose the combined Life & Health exam. However, if your role is limited to only life products or only health products, a single-line exam may be appropriate.
For license-specific guidance, see How to Get a Property and Casualty Insurance License in Alabama or How to Get a Life and Health Insurance License in Alabama.
How to Get an Alabama Life and Health Insurance License in 5 Steps
Step 1: Choose the Life & Health License Path You Need
Before registering for an exam, decide whether you need the combined Life & Health authority or only one line.
Choose the combined Alabama Life & Health path if you expect to work with a broad mix of products, such as:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Annuities
- Accident and health insurance
- Disability income insurance
- Medical expense policies
- Long-term care insurance concepts
- Medicare-related health coverage concepts
- Group life or group health insurance
Choose a single-line exam only if your role is limited. For example, a candidate who will only sell life insurance and annuities may not need the Health line right away. A candidate focused only on accident and health products may choose the Health Only path.
Step 2: Study the Alabama Life & Health Exam Outline
Alabama no longer requires a prelicensing certificate, but the Life & Health exam still covers a large amount of material. The Alabama DOI’s official Life and Health examination outline breaks the combined exam into general insurance, life insurance, health insurance, and Alabama law sections.
A strong Alabama L&H study plan should include:
- General insurance concepts
- Insurance contract law
- Underwriting and applications
- Traditional life insurance policies
- Flexible-feature life policies
- Life policy provisions
- Life policy options and riders
- Annuities
- Federal tax considerations
- Health insurance foundations
- Medical expense policies
- Disability income policies
- Health policy provisions
- Group health insurance
- Alabama insurance law
- Timed practice exams
This is not a “read once and hope” exam. It rewards repetition, recall, and practice with questions that sound almost right but hide tiny answer traps in their coat pockets.
Why Exam Prep Matters in Alabama
Alabama gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Alabama L&H insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Register for the Alabama Life & Health Exam
Alabama insurance producer exams are administered through the University of Alabama insurance testing program. The Alabama Department of Insurance directs candidates to University of Alabama registration resources and notes that insurance producer, adjuster, and title exams are available in five Alabama locations.
Alabama insurance exams are offered in:
- Birmingham
- Huntsville
- Mobile
- Tuscaloosa
- Montgomery
The University of Alabama insurance testing site states that candidates must schedule tests in advance, bring valid photo identification, and follow exam-day procedures. It also states that 70% or more correct answers is considered a passing score.
Step 4: Pass the Alabama Life & Health Exam
The combined Alabama Life & Health exam has 150 questions, allows 3 hours, and requires 105 correct answers to pass. Alabama also offers Life Only and Health Only exam options for candidates who do not need the combined authority.
The exam is multiple choice and computer-based. Your result is graded immediately after submission, and passing exam results are reported electronically to the Alabama Department of Insurance after the exam.
Step 5: Complete Fingerprinting, Submit Proof of Citizenship, and Apply Through NIPR
After passing the exam, you will need to complete the remaining Alabama licensing steps. Resident individual applicants generally need to complete fingerprinting through Fieldprint, submit proof of citizenship, and apply online through NIPR.
Alabama candidates should be careful with timing. Fingerprint results are only useful within the Alabama DOI’s required window, and the application process should be completed promptly after exam results are reported. Alabama also requires proof of citizenship before issuing the license, so ignoring that step can delay or derail the application.
For the full licensing-process overview, see Insurance Licensing in Alabama: Complete Guide to License Types and Requirements.
Alabama Life & Health Exam Details
The Alabama Life & Health exam is a broad licensing exam covering general insurance, life insurance, health insurance, and Alabama law.
| Alabama L&H Exam Detail | Requirement |
|---|---|
| Exam | Life & Health Producer |
| Total questions | 150 |
| Time allowed | 3 hours |
| Passing score | 105 correct |
| Passing percentage | 70% |
| Format | Computer-based, multiple choice |
| Exam vendor | University of Alabama Insurance Testing |
The Alabama DOI’s Life and Health examination content outline shows the combined Life & Health exam structure and the number of questions assigned to each major content area.
Alabama Life & Health Exam Content Breakdown
| Exam Section | Questions on Combined L&H Exam |
|---|---|
| General Life & Health Insurance | 30 |
| Life Insurance | 55 |
| Health Insurance | 45 |
| Alabama Law | 20 |
| Total | 150 |
Life insurance is the largest individual content area on the combined Alabama L&H exam, but candidates should not treat health insurance or Alabama law as “side dishes.” Health insurance accounts for 45 questions, and Alabama law accounts for 20 questions. Together, those areas can easily decide whether a candidate passes or retakes.
Alabama Life Only and Health Only Exam Options
| Exam | Questions | Time | Correct to Pass |
|---|---|---|---|
| Life & Health | 150 | 3 hours | 105 |
| Life Only | 125 | 2.5 hours | 87 |
| Health Only | 100 | 2 hours | 70 |
The Alabama DOI Life and Health outline lists separate question columns for the combined L&H exam, Life Only exam, and Health Only exam, allowing candidates to compare how the content changes by exam path.
Alabama Life & Health Exam Fees and Licensing Fees
| Fee Type | Amount |
|---|---|
| Combined Life & Health exam | $75 |
| Life Only exam | $50 |
| Health Only exam | $50 |
| Initial producer license fee | $80 |
| Biennial producer renewal fee | $70 |
| Late renewal fee | $50 |
| Notice of appointment fee | $40 |
| Appointment renewal fee | $25 |
The Alabama Department of Insurance examination page lists insurance producer exam fees and states that exam fees are nonrefundable.
Candidates should also check the current fingerprinting fee through Fieldprint during scheduling.
Fingerprinting and Background Check for Alabama L&H Applicants
Fingerprinting is one of the most important Alabama licensing steps because it must be timed correctly.
For most Alabama Life & Health candidates, the safest order is:
- Pass the Alabama Life & Health exam.
- Wait for your exam result to be reported.
- Complete Fieldprint fingerprinting close to your application date.
- Apply online through NIPR.
- Submit proof of citizenship.
- Check license status and print your license once issued.
Do not treat fingerprinting as something to finish months in advance. For Alabama applicants, it is better handled close to the application date so the results are available when the DOI reviews your file.
Alabama Life & Health License Application Process
After passing the exam, Alabama candidates apply through NIPR. The application process generally includes:
- Passing the Alabama Life & Health exam
- Waiting for exam results to be transmitted
- Completing Fieldprint fingerprinting
- Completing the NIPR resident producer application
- Paying the required licensing fees
- Submitting proof of citizenship
- Checking license status through Alabama DOI online services
- Printing the license after issuance
The University of Alabama insurance testing site states that after a passing exam result, candidates receive instructions for completing the application process, and passing grades are reported electronically to the Alabama Department of Insurance.
Alabama Life & Health License Renewal and Continuing Education
Alabama producer licenses renew biennially. Most non-exempt Alabama producers must complete continuing education during each biennial reporting period before renewing the license.
In practice, this means you should:
- Track your renewal month
- Complete CE before your renewal deadline
- Confirm that CE credits have posted
- Renew on time to avoid late fees
- Keep your contact information current with the Alabama Department of Insurance
For the broader renewal and CE explanation, see Insurance Licensing in Alabama: Complete Guide to License Types and Requirements.
Alabama-Specific L&H Licensing Quirks
Alabama Does Not Require a Prelicensing Certificate
As of January 1, 2024, Alabama no longer requires a prelicensing certificate before the insurance exam. That makes the path more flexible, but it also means candidates need to take more responsibility for choosing a serious study system.
The Combined L&H Exam Has 150 Questions
The combined Alabama Life & Health exam is a 150-question test with 3 hours allowed and 105 correct answers required to pass.
Life Insurance Is the Largest Section, But Health and Law Matter
The combined Alabama L&H exam includes 55 Life Insurance questions, 45 Health Insurance questions, 30 General Life & Health questions, and 20 Alabama Law questions.
Alabama Law Is Built Into the Exam
The Alabama Law section is worth 20 questions on the combined Life & Health exam. Candidates who only study national insurance concepts may miss state-specific points.
Life Only and Health Only Are Separate Paths
Not every candidate needs the combined exam. Alabama also offers Life Only and Health Only exam paths, which can make sense for narrower roles. However, candidates who want broader career flexibility often choose the combined Life & Health path.
Repeat Exam Waiting Periods Can Apply
The University of Alabama testing site states that there is no waiting period after the first failed attempt, a 90-day waiting period after the second failed attempt, no waiting period after the third failed attempt, a 180-day waiting period after the fourth failed attempt, and then a 180-day wait every two attempts after that.
Prepare for the Alabama Life & Health Exam with TESTivity
The Alabama Life & Health exam covers a lot of territory: life insurance policies, health insurance concepts, annuities, contract law, underwriting, policy provisions, tax considerations, group insurance, and Alabama-specific insurance law.
That is too much material for random cramming and heroic caffeine. TESTivity helps Alabama L&H candidates prepare with a complete learning system:
- Study Manual for structured content review
- Exam Simulator for realistic practice questions
- Audio Course for reinforcement while driving, walking, or working
- Flashcards for definitions and memory-heavy concepts
- Mind Maps for visual learners
- Video Course for guided instruction
- Learning Games for active recall
- Test Day Cheat Sheet for final review
- AI Tutor for on-demand explanations
If you want the strongest all-in-one option, the TESTivity Platinum Study Package gives you the full toolkit for turning Alabama Life & Health exam prep from a foggy swamp into a marked trail. 🧭
FAQ: Alabama Life and Health Insurance License
About This Alabama L&H Insurance License Guide
This guide was created by TESTivity’s insurance exam prep team using current Alabama Department of Insurance producer licensing resources, Alabama DOI examination content outlines, University of Alabama Insurance Testing information, and official Alabama licensing guidance. Licensing rules, fees, exam procedures, and application requirements can change, so candidates should confirm final requirements with the Alabama Department of Insurance before applying.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the University of Alabama format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your Alabama L&H Insurance License?
Getting licensed starts with the process. Passing the exam starts with preparation.
TESTivity helps perspective Alabama insurance producers study with a complete system built for how people actually learn: reading, watching, listening, practicing, reviewing, and recalling.
Whether you are preparing for Property and Casualty, Life and Health, or another Alabama insurance exam, TESTivity gives you the tools to study with structure instead of guesswork.
📋 Official Alabama Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
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Alabama L&H Insurance Licensing Exam Content Outline (PDF)
Direct mirror hosted by GetTheLicense.org -
Alabama P&C Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
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Alabama Department of Insurance
For resident agent regulations and fee schedules -
University of Alabama L&H Insurance Licensing Page
To schedule your exam, find test centers, or check live updates