The Alabama Accident and Health or Sickness license
Accident and Health or Sickness
Sells health cover in Alabama. The statute names the line "accident and health or sickness, commonly known as disability" and allows it to carry disability income benefits. No pre-licensing course is required.
Course
None
This license has no pre-licensing course route.
Ways in
4
3 of them skip the state exam.
Exam
Varies
Priced per paper. The prices are below.
Every way to qualify
More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination, a license held in another state, moving here already licensed or a license already held.
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Route 1 Pass the examination
State exam required
Ala. Code 27-7-4.3(a) asks a written examination of a resident producer applicant unless the applicant is exempt under 27-7-5 or 27-7-29.1, and 27-7-5(a) is the closed list of what the commissioner must find before approving the application: 18 years old, no act that is a ground for denial, the examination passed for the lines applied for, and the fees paid. It is introduced with "all of the following" and no course is in it. So the examination is the whole of the qualification here, and the zero is read off a complete statutory enumeration rather than off a department page. Fail it twice and the wait is three months; fail twice more and it is six.
Read at alison.legislature.state.al.us on 2026-08-16
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Route 2 Hold the same line in another state
Exempt from the state exam
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an insurance producer license carrying the Accident and Health or Sickness line of authority in another state
Ala. Code 27-7-29.1(a). It waives the prelicensing education and the examination together, which in Alabama means the examination, there being no education to waive. The other license has to be current, or else the application has to arrive within 90 days of its cancellation with either a certification of good standing from that state or a good standing record for the same line in the NAIC producer database.
Read at alison.legislature.state.al.us on 2026-08-16
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Route 3 Move to Alabama and apply within 90 days
Exempt from the state exam
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90 days Licensed as an insurance producer in another state carrying the Accident and Health or Sickness line of authority there, and applying to become an Alabama resident licensee within 90 days of establishing legal residence in Alabama.
Ala. Code 27-7-29.1(b). The 90 days run from the day legal residence in Alabama is established, the exemption reaches only a line the other state had already granted, and the commissioner may narrow it by regulation. Alabama writes this one as a duty rather than an option: a producer licensed elsewhere who moves here "shall, within 90 days of establishing legal residence, make application".
Read at alison.legislature.state.al.us on 2026-08-16
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Route 4 Have held the line in Alabama since before 2013
Exempt from the state exam
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an Alabama producer license carrying the Accident and Health or Sickness line of authority, held lawfully immediately before January 1, 2013 and never out of effect for 12 consecutive months since
Ala. Code 27-7-5(a)(3)c. A producer lawfully licensed for this line immediately before 2013-01-01 never has to sit its examination, and the exemption survives until the license is allowed to lapse for 12 consecutive months, at which point it is gone for good. It is a closing door rather than a route anybody new can take, and it is here because it is one of the four exemptions the statute lists.
Read at alison.legislature.state.al.us on 2026-08-16
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Courses
You do not have to buy any of this. The Alabama Department of Insurance asks for no pre-licensing course, so nothing below is required of you. They are exam prep, priced here so you can see what they cost.
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A.D. Banker & Company
Exam practice. No course is required, so this is what to study.
$169.95 to $296.85
See 6 options Hide ▾-
AL Life & Health, SILVER
Online Course read 2026-08-22
$169.95
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AL Health, SILVER
Online Course read 2026-08-22
$169.95
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AL Life & Health, GOLD
Online Course · Flash Cards read 2026-08-22
$196.90
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AL Health, GOLD
Online Course · Flash Cards read 2026-08-22
$196.90
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AL Life & Health, PLATINUM
Online Course · Flash Cards · Web Class Subscription read 2026-08-22
$296.85
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AL Health, PLATINUM
Online Course · Flash Cards · Web Class Subscription read 2026-08-22
$296.85
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ExamFX
Exam practice. No course is required, so this is what to study.
$169.95 to $299.95
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Alabama Health - Self-Study Package
60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22
$169.95
- Alabama Life and Health - Self-Study Package
60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22
$169.95
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Alabama Health - Video Study Package
60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
$219.95
- Alabama Life and Health - Video Study Package
60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
$219.95
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Alabama Health - Live Online Study Package
Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
$299.95
- Alabama Life and Health - Live Online Study Package
Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22
$299.95
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Kaplan Financial Education
Exam practice. No course is required, so this is what to study.
$349.00
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Career Launcher Package (AL - Life & Health)
$349.00
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Career Launcher Package (AL - Health Only)
$349.00
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WebCE
Exam practice. No course is required, so this is what to study.
$109.95 to $159.95
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AL Life and Health Exam Prep Complete Package
$109.95
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AL Health Exam Prep Complete Package
$109.95
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AL Life and Health Exam Prep Plus Complete Package
$159.95
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AL Health Exam Prep Plus Complete Package
$159.95
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XCEL Solutions
Exam practice. No course is required, so this is what to study.
$199.00 to $299.00
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Alabama Life and Health Pre-licensing
$199.00
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Alabama Life and Health Pre-licensing Premier
$299.00
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Mometrix
Exam practice. No course is required, so this is what to study.
$59.99/month
See 1 option Hide ▾-
Life and Health Insurance Exam Prep Course
$59.99/month
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