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Alabama · Property & Casualty

Alabama Property and Casualty — Exam Prep

Comprehensive exam prep for the Alabama Property & Casualty insurance licensing exam. Covers Property, Casualty, Personal Lines (Dwelling, Homeowners, Personal Auto) and Commercial Lines (CPP, BOP, Workers' Compensation), plus Alabama-specific statutes (Ala. Code Title 27, Title 25 Ch. 5, Title 32 Ch. 7A). Exam-prep only — Alabama does not require state-approved pre-licensing education.

The examination this course is built to

Producer - Property & Casualty, 150 scored questions, 180 minutes, administered by University of Alabama (Continuing Education) for the Alabama Department of Insurance

Alabama also publishes Property and Casualty as two SEPARATE papers, at 100 and 125 scored questions. Both routes lead to the same two lines of authority. This course prepares you for the single combined paper. If you have booked the two separate papers instead, the single-line Property and Casualty courses are the ones built to them.

7
Sections
51
Lessons
850+
Practice questions
70%
Passing score

What you'll learn

Every section below is aligned with the Alabama content outline.

Section 1
I. Types of Policies
6 lessons
+
  • Homeowners Forms — HO-2, HO-3, HO-4, HO-5, HO-6, HO-8
  • Dwelling Forms — DP-1, DP-2, DP-3
  • Commercial Lines — CPP, Commercial Property, BOP, Builders Risk, Cyber First-Party
  • Inland Marine — Personal Articles Floaters and Commercial Property Floaters
  • National Flood Insurance Program (NFIP)
  • Other Coverages — Earthquake, Mobile Homes, Watercraft, Farm Owners, Windstorm
Section 2
II. Insurance Terms and Related Concepts
10 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 3
III. Policy Provisions and Contract Law
8 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 4
IV. Types of Policies, Bonds, and Related Terms
9 lessons
+
  • Commercial General Liability (CGL)
  • Personal Auto Policy (PAP)
  • Business Auto, Garage, and Mobile Equipment
  • Workers' Compensation and Employers Liability
  • Commercial Crime
  • Surety and Fidelity Bonds
  • Professional Liability
  • Umbrella and Excess Liability
  • Businessowners Policy (BOP)
Section 5
V. 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 6
VI. Alabama Insurance Code and Department of Insurance
5 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 7
VII. Alabama Statutes Pertinent to Property and Casualty
5 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

1

Enroll

One-time payment of $49.99. Secure checkout powered by Stripe.

2

Study on your schedule

Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.

3

Pass the real exam

Take the official Alabama exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Alabama Property & Casualty licensing exam?+
Alabama administers this as the Producer - Property & Casualty, through University of Alabama (Continuing Education) for the Alabama Department of Insurance. It carries 150 scored questions with a 180-minute time limit. The published passing score is 70%. The exam fee is $75.
How much does the Alabama Property & Casualty exam cost and who administers it?+
Alabama contracts the examination to University of Alabama (Continuing Education) for the Alabama Department of Insurance, and you register and pay through them rather than through this course. The published exam fee is $75 per attempt. You are allotted 180 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Alabama Department of Insurance publishes the current schedule.
Does Alabama require state-approved pre-licensing education?+
Most states let producers study independently for the licensing exam, but roughly 17 states require state-approved pre-licensing education first. Check the Alabama Department of Insurance for the current rule on your specific line of authority.
How many practice questions does this course include?+
This course includes 850+ practice questions across section quizzes and a full-length 150-question final exam simulator that mirrors the real Alabama Property & Casualty exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real Alabama exam?+
The practice questions are written to mirror the real Alabama Property & Casualty exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real Alabama exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I retake the Alabama licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the Alabama candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access