AL P&C
Alabama Property & Casualty Insurance License Exam
Alabama regulates Property & Casualty producer licensing through Alabama Department of Insurance (ALDOI), with the exam delivered by University of Alabama. The combined Property & Casualty exam has 150 questions with a 3 hours (180 minutes) time limit. Passing requires 70% (105 of 150 correct). The exam fee is $75. Alabama does not require prelicensing education hours for this line. C3RT includes Property & Casualty practice content built specifically for Alabama, covering national concepts plus Alabama statute, producer duties, and ethics.
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AL P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | Alabama Property & Casualty Insurance License Exam |
| Governing Body | Alabama Department of Insurance (ALDOI) |
| Number of Questions | 150 |
| Time Limit | 3 hours (180 minutes) |
| Passing Score | 70% (105 of 150 correct) |
| Exam Fee | $75 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Alabama Department of Insurance (ALDOI) official website ↗ |
AL P&C Content Areas and Domains
Domain areas are sourced from the Alabama Department of Insurance (ALDOI) content outline.
Topics Covered
- ✓ Property insurance basics
- ✓ Homeowners and dwelling policies
- ✓ Personal and commercial auto
- ✓ Commercial package and general liability
- ✓ Workers compensation
- ✓ Inland and ocean marine
- ✓ Flood and specialty lines
- ✓ Alabama insurance law and regulations
How C3RT Helps You Pass the AL P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the AL P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real AL P&C 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 P&C Practice Questions
Q1.In the state of Alabama, what is the legal status regarding a real estate developer negotiating for or soliciting the placement of insurance as a condition of a property sale?
- It is strictly prohibited as an unfair trade practice.
- Soliciting insurance is prohibited in Alabama.
- It is only allowed if the developer is also a licensed agent.
- It is permitted as a voluntary negotiation.Correct
Alabama law allows firms to voluntarily negotiate for insurance as a condition of sale or loan. The other options incorrectly label this voluntary action as a prohibited practice.
Q2.A real estate developer in Alabama suggests a specific insurance package to a prospective buyer as part of the property sale negotiations. Under Alabama law, is this action permitted?
- Yes, because firms are permitted to voluntarily negotiate for or solicit insurance as a condition of a property sale.Correct
- No, because soliciting insurance is prohibited in Alabama.
- No, because negotiating for insurance is a violation of unfair trade practices.
- Yes, but only if the developer receives a commission from the insurance carrier.
Alabama law specifically allows firms to voluntarily negotiate or solicit insurance as a condition of property sale or loan. The other options incorrectly classify this voluntary action as prohibited or an unfair trade practice.
Q3.An Alabama resident is reviewing their health plan and asks for a definition of 'coinsurance.' According to the Alabama Department of Insurance (DOI) glossary, how is this term defined?
- A fixed dollar amount paid by the insured for every claim filed.
- The percentage of each health care bill that a person must pay out of their own pocket.Correct
- A provision where the insurer pays only a portion of the total property loss.
- Coinsurance refers exclusively to property insurance and does not apply to health plans.
In Alabama, coinsurance is specifically defined as the percentage of a health care bill the individual is responsible for paying. The other options incorrectly describe it as a fixed dollar amount or limit its application strictly to property insurance.
AL P&C Frequently Asked Questions
What does AL P&C stand for?
AL P&C stands for Alabama Property & Casualty Insurance License Exam. It is administered by Alabama Department of Insurance (ALDOI).
Who administers the AL P&C?
The Alabama Property & Casualty Insurance License Exam (AL P&C) 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 P&C?
The AL P&C consists of 150 questions. Candidates are given 3 hours (180 minutes) to complete the exam.
What is the passing score for the AL P&C?
The passing score for the AL P&C is 70% (105 of 150 correct), 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 P&C exam cost?
The AL P&C exam fee is $75. 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 Property & Casualty exam?
The Alabama combined Property & Casualty exam has 150 scored questions, a 3 hours (180 minutes) time limit, a $75 exam fee. Passing requires 70% (105 of 150 correct). It is delivered by University of Alabama.
Does Alabama require prelicensing education for Property & Casualty?
No. Alabama does not require prelicensing education hours for a Property & Casualty producer license as of August 2026.
What score do I need to pass the Alabama Property & Casualty exam?
Alabama requires 70% (105 of 150 correct) on the Property & Casualty exam. Confirm the current standard with Alabama Department of Insurance (ALDOI), since passing standards can change.
Is the Property & Casualty exam different in Alabama than in other states?
Partly. Core Property & Casualty 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 Property & Casualty Insurance License Exam (AL P&C), 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 ↗ .