Pre License Training

Individuals must complete a prelicensing course of study for the lines of authority desired before taking most of the insurance producer license examinations. The prelicensing course must consist of certain hours per line of authority, or equivalent individual instruction, on the general principles of insurance for that line of authority. The lines of authority requiring a prelicensing course are as follows:

  • Life – 20 hour course on Life Insurance or 40 hour course on Life & Health Insurance
  • Accident & Health or Sickness (Disability) – 20 hour course on Health Insurance or 40 hour course on Life & Health Insurance
  • Combined Life / Accident & Health or Sickness (Disability) – 40 hour course on Life & Health Insurance
  • Variable Life & Variable Annuity – 20 hour course on Variable Life & Variable Annuity
  • Automobile Full Coverage – 20 hour course on Automobile Insurance, or 20-hour course on Personal Lines Insurance, or 40 hour course on Property & Casualty Insurance
  • Combined Property & Casualty
  • Personal Lines 
  • Bail Bonds – 20 hour course on Bail Bonds

Please note there is no prelicensing course requirement for the industrial (debit) fire examination.

Prelicensing 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.

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

Acceleration Clause - The part of a contract that says when a loan may be declared due and payable.

Accidental Death Benefit - In a life insurance policy, benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusions as well as time and age limits.

Acknowledgment: the act of going before a qualified officer (e.g., Clerk) and declaring the validity of the document. The officer certifies same, whose certification is known as the acknowledgment

Acquit: the act of freeing a person from the charge of an offense by means of a decision, verdict or other legal process; to discharge