GENERAL REQUIREMENTS

Qualifications

You may also visit the Alabama Department of Insurance web site to see additional information. Click here for Alabama Department of Insurance web site.

Qualifications are necessary in order to become an insurance producer, including, but not limited to:

	Must be at least 18 years of age.
	Must not have committed any act that is a ground for denial, suspension, or revocation of license, as follows:
		Providing incorrect, misleading, incomplete, or materially untrue information in any application or in any communication to the commissioner.
		Obtaining or attempting to obtain a license through misrepresentation or fraud.
		Intentionally misrepresenting the terms of any actual or proposed insurance contract or application for insurance.
		Having admitted or been found to have committed any insurance unfair trade practice or fraud.
		For inducing, persuading, or advising any policyholder to surrender or cause to be cancelled any policy of insurance issued to the policyholder by any authorized insurer in exchange for a policy offered by the licensee where the surrender or cancellation shall proximately result to the financial detriment of such policyholder, unless the policyholder shall have been fully advised of that fact by the licensee.
		Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility in the conduct of business under a license in this state or elsewhere.
		Improperly withholding, misappropriating, or converting any monies or properties belonging to the insurers, insureds, or others received by the licensee in the exercise of his or her license.
		Violating insurance laws or violating any valid order, subpoena, rule, or regulation, issued by the commissioner or issued by another state's insurance commissioner.
		Having been convicted of a felony.
		Having an insurance producer license, or its equivalent, denied, suspended, or revoked in any other state, province, district, or territory.
		Forging another's name to an application for insurance or to any document related to an insurance transaction.
		Improperly using notes or any other reference material to complete an examination for an insurance license.
		Knowingly accepting insurance business from an indivdual who is not licensed.
		Failing to comply with an administrative or court order imposing a child support obligation.
		Failing to pay state income tax or failing to comply with any administrative or court order directing payment of state income tax.
	Must complete a prelicensing course of study for the lines of authority for which the person is applying consisting of 40 classroom hours or equivalent of individual instruction on the general principles of insurance.
	Must successfully complete the examination for the lines of authority for which the individual has applied.

Absence on Exam Date