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Alabama · State licensing

Pass the Alabama Life & Health insurance license exam.

Alabama runs its own combined Life and Health exam through the University of Alabama, a 150 question test with a 180 minute limit and a 70 percent passing score, and as of January 1 2024 no pre-licensing certificate is required.

Quick answer: The Alabama Life & Health insurance license exam is administered by the state insurance department as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. Alabama does not require pre-licensing education before you sit. The exam fee is $75 per attempt.

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Quick facts

Testing vendor
the state insurance department
Passing score
70%
Pre-licensing hours
Not required
Application fee
$80
Exam fee
$75 per attempt
Combined exam length
150 Q · 180 min

Source: aldoi.gov. Confirm before you register. State schedules change.

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What's on the Alabama L&H exam.

The Alabama L&H exam is administered by the state insurance department. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Alabama.

Plan for roughly $195–$230 in mandatory Alabama state and vendor fees before any study materials.

License application
$80
Exam fee
$75 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $75 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Alabama exam FAQ.

Does Alabama require pre-licensing education for a Life and Health license?
No. As of January 1 2024 Alabama no longer requires a pre-licensing certificate before sitting the exam.
How many questions are on the Alabama combined Life and Health exam?
The combined Life and Health exam has 150 questions and you have 180 minutes to complete it.
What score do I need to pass the Alabama Life and Health exam?
You need 70 percent, which is 105 correct out of 150 questions.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.