Alabama Insurance Exam Cheat Sheet
Unlock the official Alabama exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Alabama practice questions to test your knowledge.
What's Covered on the Alabama Life & Health Exam
Two exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 30–31 days | Free-look: 10 Days (30 Days)
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How do I pass the Alabama Life & Health insurance exam on my first try?
To pass the Alabama insurance exam on your first attempt, follow this formula: First, study general life, health, and annuity concepts systematically. Second, focus on Alabama Insurance Code (Title 27) covering producer licensing, replacement rules, CE requirements, and trade practices. Third, practice with at least 400+ realistic exam questions until your average score reaches 80% or higher.
Q:How many questions are on the Alabama insurance exam and what score is required?
The combined Alabama Life, Accident & Health exam consists of 140 multiple-choice questions with a 3-hour time limit. A passing score of 70% is required.
Q:What topics are covered on the Alabama insurance licensing exam?
The exam covers Life Insurance (types of policies, policy provisions, riders), Health Insurance (medical expense, disability income, Medicare, LTC), Annuities (fixed, variable, indexed), General Insurance Concepts (risk, insurable interest, contract elements), and Alabama State Regulations (ALDOI licensing rules, replacement regulations, and unfair trade practices).
Q:How much does the Alabama insurance exam cost and where is it scheduled?
The Alabama insurance exam fee is $75 per attempt. Exams are administered through the University of Alabama / PSI test sites or approved proctored locations.
Q:What are the continuing education (CE) requirements in Alabama?
Alabama requires resident insurance producers to complete 24 hours of approved continuing education every 2 years, including a minimum of 3 hours in ethics.
Q:What is the Alabama Life and Disability Insurance Guaranty Association coverage limit?
The Alabama Life and Disability Insurance Guaranty Association protects policyholders up to $300,000 for life insurance death benefits, $100,000 for life cash surrender values, $300,000 for health insurance claims, and $250,000 for annuity present value/cash surrender.