Required to report appointments?

Yes.

Permits just-in-time (JIT) appointments?

Yes.

Appointment exemptions and notes?

A property and casualty producer doesn’t require a carrier appointment to sell, solicit, or negotiate travel insurance.

Initial appointment deadlines?

Within 15 days of contract execution or first business submission, whichever is earlier.

Initial appointment deadline rule?

Appointments must be submitted within 15 days of the date the agent/agency contract is executed; or the first piece of business is submitted to the carrier. The appointment submission deadline is the earlier of the two dates.

Appoint agencies?

Yes.

Does agency appointments cover affiliated producers?

No.

Does the state require appointment renewal?

Yes.

When is the state renewal period?

Jan. 6th until March 1st.

State terminates appointment if the license expires?

Yes.

Can the termination date be specified by the carrier?

No.

What is the termination Effective Date?

Date processed.

Termination notes?

There is a 30-day grace period following expiration, during which time the producer can renew with a $50 late fee plus the renewal fee. If the license is not renewed at this time, the license expires, and all company appointments are canceled. Per the Alabama Department of Insurance (482-1-147(b)), when a producer’s license expires, all lines of authority between the company and the individual must be terminated.

Allows carriers to terminate the appointment if the license has expired?

No.

Can a not-for-cause termination notice be emailed?

Email notices are permitted.

If email is allowed, can the notice be in body text?

Notice as a PDF attachment.

DOI Name Approval – if your entity has “insurance” in its name?

Yes.

Secretary of State registration required?

Yes.

Annual Report Due Dates:

All entities: N/A Must file a business privilege tax return with DOR.

Can a sole proprietor be licensed as an entity?

No.

License required?

Yes.

Licensing renewals?

October 1st until December 31st during even years. The late renewal period ends 30 days after the expiration date.

• Insurance Producer
• Adjuster
• Portable Electronics Insurance Large
• Portable Electronics Insurance Small
• Surplus Lines Broker
• Life
• Accident & Health or Sickness
• Variable Life & Annuity
• Property
• Casualty
• Personal Lines
• Car Rental

• Credit
• Crop
• Travel
• Bail Bond
• Dental Services
• Legal Services
• Motor Club
• Self-Service Storage Facility

Business entity applicants must provide a valid business address. The business address may not contain a P.O. Box.

Branch office:

Branch offices must be licensed?

Yes.

Deadline to report key business entity changes (address, DBA, phone, email, etc.)?

A licensee must notify the Commissioner within 30 days of any change in the producer’s legal name, mailing address, or electronic mail address.

DRLP must have an active state license?

Yes.

DRLPs must cumulatively cover all LOAs in the application?

Yes.

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes.

No.

Insurance Producer

• Life
• Accident & Health or Sickness
• Variable Life and Variable Annuity
• Property
• Casualty
• Personal Lines
• Credit
• Crop
• Car Rental
• Travel
• Bail Bond
• Dental Services
• Legal Services
• Motor Club
• Self-Service Storage Facility
• Surplus Lines Broker

When does the individual producer license renewal period begin?

90 days before expiration.

What is the individual producer license renewal date?

Last day of birth month every 2 years based on year of birth.

Late renewal or reinstatement period for individual producer license?

Late renewal allowed for 30 days after expiration; reinstatement allowed up to one year after expiration.

Requires pre-licensing courses?

No.

Fingerprints Required?

Yes, for resident licensing.

Proof of citizenship required?

Yes.

Citizenship requirement details?

Please submit proof of citizenship using this link: https://aldoi.gov/LicenseeCZ/Initial.aspx in order to have your license issued or renewed. In accordance with the Beason-Hammon Taxpayer and Citizen Protection Act, Alabama is now required to verify the citizenship of ALL APPLICANTS. There are sixteen different identifiers, including your official driver’s license, any one of which can be used as proof.

Requires adjuster license?

Yes.

Offers designated home state?

Yes.

Reciprocal states?

AK, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV, WY.

Which states require an exam for reciprocity?

CA, HI, NY, PR.

Independent adjuster exam required?

Yes.

Apprentice adjuster license exam required?

No Exam Required.

Apprentice adjuster license duration?

1 Year.

Apprentice adjuster license details?

This license type can only be issued once. A supervisor holding an active independent license is required. This individual can supervise up to 5 apprentices at once.

Emergency adjuster details?

This license allows adjusters who are not licensed in the state and acting on behalf of an insurer to do business in the event of a catastrophe. Emergency adjusters can register online via the TEARS system.

Specialty adjuster renewal date?

Biennially. If the individual is born in an even numbered year, the license will expire at the end of the birth month in an even-numbered year. The same pattern goes for odd-numbered years.

Can a individual use a P.O. Box in their resident or business address?

For an individual’s business address only.

Are individuals required to list their county as part of the address?

No.

What addresses are required for individual license maintenance?

Residence, Business, and Mailing.

Deadline to report personal data changes (address, name change, phone number, etc.)?

A producer must notify the Commissioner within 30 days of any change in the producer’s legal name, mailing address, or electronic mail address.

Penalty for failure to timely report personal data changes?

Failure to notify the Commissioner within 30 days will result in a $50 penalty.

Does the state recognize a licensing exemption for nonresident commercial lines producers with multistate contracts?

Yes.

State broker license rule?

Included in Producer License Class. Insurers are not required to appoint brokers per NAIC PLMA. Residents require a bond on file for $50,000 (Form AL-SLB-13).

Broker license notes?

A producer who is not acting on behalf of an insurer is not required to be appointed. For purposes of this section, a producer who refers business to an appointed producer pursuant to Section 27-7-34 shall not be deemed to be acting on behalf of the insurer with whom the business is placed, regardless of whether commissions on this business are shared.

Total hours per renewal period?

24.

Renewal period?

2 years.

Is CE due before the license renewal date?

Yes.

The license renewal date is.

Last day of birth month.

License renewal year based on…?

Year of birth.

When is the CE due?

Prior to license expiration.

What if a producer missed the renewal date?

There’s a 30-day grace period in which you can reapply and pay a $50 late fee (on top of the typical renewal fee) to keep your license current. Of course, you must also have completed your required CE.

Do CE instructors get credit for teaching courses?

Yes, only credit for one of each kind of course per renewal period.