Alabama Insurance Producer — Personal Lines — Exam Prep
Personal Lines exam-prep course - Alabama. Covers personal auto, homeowners, dwelling, personal umbrella. NO commercial lines.
Producer - Personal Lines, 100 scored questions, 120 minutes, administered by University of Alabama (Continuing Education) for the Alabama Department of Insurance
What you'll learn
Every section below is aligned with the Alabama content outline.
Section 1I. Types of Policies5 lessons+
- Homeowners Forms: HO-2, HO-3, HO-4, HO-5, HO-6, HO-8
- Dwelling Forms: DP-1, DP-2, DP-3
- Inland Marine: Personal Articles Floaters and Commercial Property Floaters
- National Flood Insurance Program (NFIP)
- Other Coverages: Earthquake, Mobile Homes, Watercraft, Farm Owners, Windstorm
Section 2II. Insurance Terms and Related Concepts10 lessons+
- Insurance Fundamentals: Law of Large Numbers, Insurable Interest, Risk Transfer
- Risk, Hazard, and Peril: Risk Management Techniques
- Loss and Valuation: Direct vs. Indirect Loss, ACV, Replacement Cost, Agreed Value, Salvage
- Proximate Cause, Deductible, Indemnity, and Limits of Liability
- Coinsurance, Insurance-to-Value, and Occurrence
- Cancellation, Nonrenewal, Vacancy, and Unoccupancy
- Liability and Negligence: Elements, Types, and Defenses
- Binders, Endorsements, Blanket vs. Specific, and Crime Definitions
- Warranties, Representations, Concealment, Deposit Premium and Audit, Certificate of Insurance
- Damages and the Fair Credit Reporting Act (FCRA)
Section 3III. Policy Provisions and Contract Law8 lessons+
- Policy Structure: Declarations, Insuring Agreement, Conditions, Exclusions
- Definition of the Insured; Duties of the Insured; Obligations of the Insurance Company
- Mortgagee Rights; Proof of Loss; Notice of Claim; Appraisal
- Other-Insurance Provisions and Subrogation
- Elements of a Contract and Distinctive Characteristics of Insurance Contracts
- Warranties, Representations, and Concealment in Contract Law
- Sources of Underwriting Information; FCRA; GLBA Privacy Protection
- Policy Application; Terrorism Risk Insurance Act (TRIA); Policy Territory
Section 4IV. Personal Policies — Auto and Umbrella2 lessons+
- Personal Auto Policy (PAP)
- Umbrella and Excess Liability
Section 5V. Insurance Terms and Related Concepts (Casualty emphasis)8 lessons+
- Risk and Hazards in a Casualty Context
- Indemnity and Insurable Interest Applied to Casualty
- Loss Valuation in Casualty: Auto Physical Damage, Crime, and Bodily Injury
- Negligence, Liability, and Occurrence: Casualty Application
- Binders, Warranties, Representations, and Concealment: Casualty Practice
- Deposit Premium, Premium Audit, and Certificates of Insurance
- Law of Large Numbers and Pure vs. Speculative Risk: Casualty Application
- Endorsements, Damages, and FCRA Compliance in Casualty
Section 6VI. Policy Provisions7 lessons+
- Declarations, Insuring Agreement, Conditions, Exclusions and Limitations, Casualty Forms
- Definition of the Insured; Duties of the Insured After a Loss: Casualty Context
- Cancellation and Nonrenewal Provisions: Casualty Policies
- Supplementary Payments; Proof of Loss; Notice of Claim
- Other Insurance; Subrogation: Casualty Context
- Loss Settlement Provisions Including Consent to Settle a Loss
- Terrorism Risk Insurance Act (TRIA); Liberalization Clause
Section 7VI. Alabama Insurance Code and Department of Insurance5 lessons+
- Alabama Department of Insurance: Authority, Examinations, Orders, Penalties
- Producer Licensing in Alabama: Types, Qualifications, CE, Appointment, Termination
- Unfair Methods of Competition and Unfair or Deceptive Acts and Practices
- Claims Handling: Prompt Pay, Fair Settlement Practices, Notice Requirements
- Rating and Underwriting: Prohibited Discrimination, Credit-Based Insurance Scoring
Section 8VII. Alabama Statutes Pertinent to Property and Casualty5 lessons+
- Cancellation and Nonrenewal: Homeowners and Auto Notice Requirements
- Alabama Auto Insurance: Compulsory Liability, UM/UIM, Financial Responsibility, SR-22
- Alabama Residual Property Market: Alabama Insurance Underwriting Association (Beach Pool)
- Alabama Workers' Compensation: Coverage, Benefits, and State WC Process
- Alabama Insurance Guaranty Association: Protection on Insurer Insolvency
How it works
Enroll
One-time payment of $49.99. Secure checkout powered by Stripe.
Study on your schedule
Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.
Pass the real exam
Take the official Alabama exam with confidence. Check the Alabama Department of Insurance for the exam and application steps.
FAQ
How long is the Alabama Personal Lines licensing exam?+
Does Alabama require state-approved pre-licensing education?+
How much does the Alabama Personal Lines exam cost and who administers it?+
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Are the practice questions updated regularly?+
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What if I fail the real Alabama exam?+
Can I retake the Alabama licensing exam if I fail?+
Can I add another license line later?+
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