State statute · Alabama

Disability Insurance Policies

Alabama Code Title 27, Chapter 19, Article 1, Secs. 27-19-1 to 27-19-22

Publisher: Alabama Legislature, ALISON
Edition: Ala. Code Title 27 Ch. 19 Art. 1, current official online text, retrieved 2026-09-11
Last checked: 2026-09-11
Status: US state statute

Edition and licensing notes

Publisher. Alabama Legislature, ALISON (alison.legislature.state.al.us)

Status. US state statute; public domain.

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What this document is

Alabama Code Title 27, Chapter 19, Article 1 - Disability Insurance Policies (Secs. 27-19-1 to 27-19-22) is a state statute published by Alabama Legislature, ALISON (alison.legislature.state.al.us). It is one of the Alabama documents that insurance license exam questions are written from, including alabama life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

Ala. Code § 27-19-1 (Applicability of Article)
“Nothing in this article shall apply to or affect:(1) Any policy of liability or workmen’s compensation insurance, with or without supplementary expense coverage therein;(2) Any group or blanket policy;(3) Life insurance, endowment, or annuity contracts, or contracts supplemental thereto which...”
Ala. Code § 27-19-17 (Optional Policy Provisions - Change of Occupation)
“If the insured be injured or contract sickness after having changed his occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurer will pay only such portion of the...”
Ala. Code § 27-19-9 (Mandatory Policy Provisions - Claim Forms)
“If such forms are not furnished within 15 days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the...”
Ala. Code § 27-19-4 (Mandatory Policy Provisions - Entire Contract; Changes)
“No change in this policy shall be valid until approved by an executive officer of the insurer and unless such approval be endorsed hereon or attached hereto. No agent has authority to change this policy or to waive any of its provisions.”
Ala. Code § 27-19-2(5) (Scope and Format of Policy, exceptions and reductions)
“(5) The exceptions and reductions of indemnity shall be set forth in the policy and, other than those contained in Sections 27-19-4 through 27-19-26, shall be printed, at the insurer’s option, either included with the benefit provision to which they apply or under an appropriate caption such as...”
Ala. Code § 27-19-5 (Mandatory Policy Provisions - Time Limit on Certain Defenses)
“After two years from the date of issue of this policy, no misstatements, except fraudulent misstatements, made by the applicant in the application for such policy shall be used to void the policy or to deny a claim for loss incurred or disability (as defined in the policy) commencing after the...”
Ala. Code § 27-19-6 (Mandatory Policy Provisions - Grace Period)
““Grace Period: A grace period of _____ (insert a number not less than ‘7’ for weekly premium policies, ’10′ for monthly premium policies and ‘31’ for all other policies) days will be granted for the payment of each premium falling due after the first premium, during which grace period the policy...”
Ala. Code § 27-19-6 (Grace Period, nonrenewal notice lead-in)
“There shall be a provision as follows:“Grace Period: A grace period of _____ (insert a number not less than ‘7’ for weekly premium policies, ’10′ for monthly premium policies and ‘31’ for all other policies) days will be granted for the payment of each premium falling due after the first premium,...”
Ala. Code § 27-19-10 (Mandatory Policy Provisions - Proofs of Loss)
“Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one...”
Ala. Code § 27-19-14 (Legal Actions)
“No action shall be brought to recover on this policy prior to the expiration of 60 days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.”
Ala. Code § 27-19-12 (Payment of Claims)
“Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured.”
Ala. Code § 27-19-18 (Optional Policy Provisions - Misstatement of Age)
“Misstatement of Age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.”

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No. This page summarizes the document and links to the official version. Always rely on the text published by Alabama Legislature, ALISON (alison.legislature.state.al.us) for the current law.

Practice questions for Alabama Life & Health cite this document.

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