AL L&H
Alabama Life & Health Insurance License Exam
Alabama regulates Life & Health producer licensing through Alabama Department of Insurance (ALDOI), with the exam delivered by University of Alabama. The combined Life & Health exam has 150 questions with a 180 minutes (3 hours) time limit. Passing requires 105/150 correct (70%). The exam fee is $75 (combined Life and Health producer exam). C3RT includes Life & Health practice content built specifically for Alabama, covering national concepts plus Alabama statute, producer duties, and ethics.
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AL L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Alabama Life & Health Insurance License Exam |
| Governing Body | Alabama Department of Insurance (ALDOI) |
| Number of Questions | 150 |
| Time Limit | 180 minutes (3 hours) |
| Passing Score | 105/150 correct (70%) |
| Exam Fee | $75 (combined Life and Health producer exam) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Alabama Department of Insurance (ALDOI) official website ↗ |
AL L&H Content Areas and Domains
Domain areas are sourced from the Alabama Department of Insurance (ALDOI) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Alabama insurance law and regulations
How C3RT Helps You Pass the AL L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the AL L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real AL L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample AL L&H Practice Questions
Q1.Under Alabama law, if a disability insurance policy is reinstated and a sickness begins only 5 days after the reinstatement date, is the loss covered?
- Yes, all losses are covered starting from the moment of reinstatement.
- No, because sickness must begin more than 10 days after the date of reinstatement.Correct
- No, because sickness must begin at least 30 days after reinstatement.
- Yes, as long as the policyholder has paid all back premiums.
In Alabama, reinstated policies only cover accidental injuries immediately and sicknesses beginning more than 10 days after reinstatement. The other options are incorrect because they either misstate the required waiting period or incorrectly suggest immediate coverage for sickness.
Q2.An Alabama disability insurance policy is reinstated. If the insured contracts a sickness exactly 5 days after the reinstatement date, is this loss covered under the policy?
- Yes, all losses are covered immediately upon reinstatement.
- No, because sickness must begin at least 30 days after reinstatement.
- Yes, provided the sickness was not caused by a pre-existing condition.
- No, because sickness must begin more than 10 days after reinstatement.Correct
Under Alabama law, sickness is only covered if it begins more than 10 days after reinstatement; since the sickness began in 5 days, it is not covered. The option regarding 30 days is a common distractor but does not reflect the specific 10-day rule.
Q3.In the state of Alabama, what is the minimum required grace period for a disability insurance policy that pays monthly premiums?
- 7 days (as defined in policy language)
- 10 daysCorrect
- 31 days (as defined in policy language)
- 30 days (as defined in policy language)
Alabama law specifically requires a 10-day grace period for monthly premiums. The other options are incorrect because 7 days is for weekly premiums and 31 days is for all other payment frequencies.
AL L&H Frequently Asked Questions
What does AL L&H stand for?
AL L&H stands for Alabama Life & Health Insurance License Exam. It is administered by Alabama Department of Insurance (ALDOI).
Who administers the AL L&H?
The Alabama Life & Health Insurance License Exam (AL L&H) is administered by Alabama Department of Insurance (ALDOI). For official information, visit the Alabama Department of Insurance (ALDOI) website.
How many questions is the AL L&H?
The AL L&H consists of 150 questions. Candidates are given 180 minutes (3 hours) to complete the exam.
What is the passing score for the AL L&H?
The passing score for the AL L&H is 105/150 correct (70%), as set by Alabama Department of Insurance (ALDOI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the AL L&H exam cost?
The AL L&H exam fee is $75 (combined Life and Health producer exam). This fee is set by Alabama Department of Insurance (ALDOI) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Alabama Life & Health exam?
The Alabama combined Life & Health exam has 150 scored questions, a 180 minutes (3 hours) time limit, a $75 (combined Life and Health producer exam) exam fee. Passing requires 105/150 correct (70%). It is delivered by University of Alabama.
Does Alabama require prelicensing education for Life & Health?
We could not confirm the current Alabama prelicensing hour requirement for Life & Health from an official source. Check with Alabama Department of Insurance (ALDOI) directly, since requirements change and several states have removed this requirement entirely.
What score do I need to pass the Alabama Life & Health exam?
Alabama requires 105/150 correct (70%) on the Life & Health exam. Confirm the current standard with Alabama Department of Insurance (ALDOI), since passing standards can change.
Is the Life & Health exam different in Alabama than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Alabama tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Alabama Department of Insurance (ALDOI).
C3RT is a native iOS and macOS exam preparation platform covering the Alabama Life & Health Insurance License Exam (AL L&H), a Insurance Licensing certification, administered by Alabama Department of Insurance (ALDOI). C3RT is not affiliated with or endorsed by Alabama Department of Insurance (ALDOI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Alabama Department of Insurance (ALDOI) official website ↗ .