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Alabama Life & Health license exam prep

Alabama Life & Health Insurance Practice Test 2026

Practice the exam Alabama uses, from general life & health knowledge to Alabama's own insurance law. Every answer quotes the statute behind it.

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What the Alabama exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Alabama's own insurance law.

Alabama requirement to pass

150 scored questions. The time limit and passing score are set by Alabama; check the candidate handbook.

Last verified September 2026 · Producer Examination Content Outline - Life and Health Examinations

Alabama

Life & Health

Combined or separate exams
Separate Health and Life, or combined
Who runs the exam
University of Alabama, an independent testing company
Exam fee
$50 listed (the exact fee depends on the exam you take)
State license fee
$80 listed (it depends on the license type), paid to the Alabama Department of Insurance
Pre-licensing education
Life: not required; Accident & Health: not required

From Alabama's published exam materials.

Study by topic

Master each topic before your Alabama exam. First 4 topics are free to start.

PersonalizedStudy your weak spots first PRO
Alabama insurance lawPRO87 questionsPractice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

SAMPLE SCORE BREAKDOWN
SAMPLE
Coverage62%
Accuracy78%
Test Performance71%
Memory66%
Speed84%
81% likely to pass (sample)Focus on: Coverage

About the Alabama Life & Health exam

The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.

What it covers

  • Life insurance policy types, provisions and riders
  • Annuities and how they are taxed
  • Accident and health insurance, including HMOs and managed care
  • Your state's producer licensing, marketing and unfair trade practice rules

Who takes it

New agents and career changers getting a first producer license, and agents adding life and health to an existing license.

Frequently asked questions

Alabama publishes 150 scored questions. Exams also include a few unscored pretest questions.

Alabama offers separate Health and Life exams and one combined Life & Health exam. Take the one that matches the license you are applying for.

The passing score is set by Alabama. Most states use 70%, but check the Alabama candidate handbook from the testing vendor for the exact figure.

Alabama uses University of Alabama, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $50, paid when you register; the exact amount depends on which exam you take. The Alabama Department of Insurance lists $80 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Life: not required; Accident & Health: not required. Confirm the current rule with the Alabama Department of Insurance before you register, because requirements change.

Retake rules come from Alabama and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Alabama candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Alabama Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with Alabama insurance law.

More Alabama practice tests

Alabama Property & Casualty practice testAlabama Personal Lines practice test

Life & Health practice tests in other states

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See all Life & Health states →