Kaplan University School of Professional and Continuing Education Kaplan University School of Professional and Continuing Education

Alabama Insurance Continuing Education (CE) Requirements

Producer Licensing Division
Address: 201 Monroe St., Ste. 1700
Montgomery, AL 36104

P.O. Box 303351
Montgomery, AL 36130-3351

Phone: 334-241-4126
Fax: 334-240-3282

Website: http://www.aldoi.gov
E-mail: ProducerLicensing@insurance.alabama.gov
Transcript: http://www.statebasedsystems.com/EdTranscript.htm

An insurance producer may not sell, solicit, or negotiate an annuity product unless the producer has completed an approved one-time, 4-hour annuity certification training course. This requirement is effective January 1, 2017.

Insurance producers who hold a life insurance line of authority on January 1, 2017, and who want to sell annuities must successfully complete a one-time 4-hour annuity certification training course on or before July 1, 2017.

Individuals who obtain a life insurance line of authority on or after January 1, 2017, may not engage in the sale of annuities until they've successfully completed the 4-hour annuity certification training course.

Producers may not sell, solicit, or negotiate long-term insurance unless the individual is authorized as an insurance producer for accident and health or sickness and has completed a one-time eight (8) hour training course. Ongoing training of not less than four (4) hours every 24 months will be required during the biennial renewal cycle thereafter. Thus, prior to such time, an insurance producer for accident and health or sickness selling long-term care insurance including Partnership Policies will not be considered to have satisfied these requirements until the training is accomplished.

Insurers providing LTC insurance shall obtain verification that the producer receives such training, maintain records subject to the state's record retention requirements and make that verification available to the Insurance Commissioner upon request. The one-time training course shall be no less than eight (8) hours and the ongoing training shall be no less than four (4) hours. Training shall cover the following topics: long-term care insurance, long-term care services, Qualified Partnerships, and the relationship between Qualified Partnerships and other public and private coverage of long-term care.

Resident Requirements

Continuing Education (CE) is required to maintain the eligibility to receive a renewal license unless exempt. CE can be done by classroom, self-study, online instruction, and/or seminar obtained from an approved provider. CE credits are given for successfully completing an approved course given by an approved provider.

Individuals licensed in the state of Alabama who are not exempt must satisfactorily complete such courses or programs of instruction as may be approved in accordance with regulation in the minimum number of 24 hours per biennial reporting period.

Producers need 24 hours (of which 3 should be ethics) per reporting period for producers and 12 hours (of which 1.5 should be ethics) per reporting period for service representatives.

Credit will not be accepted for any approved course more than once in any reporting period. Individuals licensed for less than twelve months at the time of their first renewal are not required to complete the educational requirements.

For more information, please visit the Alabama website at http://www.aldoi.gov/ContinuingEd/

This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program (NIFP). The minimum training currently is a one-time 3 hours course on flood insurance and the NIFP program.

Non Resident Requirements

Non-resident licensees and who comply with the CE reqs. of their resident state, are exempt from Alabama CE requirements. Licensees who do not claim this exemption must satisfy Alabama resident CE.

Course Repetition

Course repetition is not permitted within the compliance/renewal period.

Exam Rules

Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes.

Proctor/Monitor Requirements
Online Requirements

Online Exams must be monitored by a disinterested third party. A disinterested third party certifies that the licensee completed the exam without assistance (i.e., closed book, no tiling/layering of screens, etc.) and is someone who is not a friend, relative or co-worker of the licensee, nor anyone with a financial interest in the success of the licensee taking the examination. If the licensee launches the exam without a monitor present, he/she will be disqualified from receiving CE credit for the course. Per the Alabama Department of Insurance, the completion date that we must report to the DOI for your course completion is the date that we have received all materials for this exam. Exams for Alabama must be monitored by a disinterested third party and we cannot complete this transaction until we have received the completed exam and completed monitor affidavit. Your affidavit and exam results will be electronically transmitted to Kaplan Financial upon exam completion.

Period Requirements

CE compliance is due prior to license expiration. License renewal occurs on the last day of the birth month every two years. Producers with even birth-years renew in even years and those with odd birth-years renew in odd years.

Carryover Requirements

Effective 1/1/2013, no CE hours will be allowed. Excess hours as of December 31, 2012, may be used to add to the total calculations for the next CE cycle, but no excess CE hours earned after 12/31/2012 will be allowed.

Reporting Requirements

When completing Self Study, Kaplan must receive the affidavit in order to report credits.

Credits must be reported within 10 days of class completion. Reporting done twice a week. Must have Agent’s license number to report.

State Reporting Fees

The AL Department of Insurance requires a course reporting fee of $1.00 per credit hour (online, self-study and classroom courses). This state reporting fee will be automatically charged to you (on the last credit card used in your account) each time you complete an online, self-study, or classroom course.

Instructor Credit

Any person teaching an approved course shall receive the same number of hours as his or her students.

Exemptions

Individuals licensed less than one year at the time of the first CE compliance dates are exempt for that first reporting period. Individuals licensed only for credit insurance, industrial fire (debit fire) insurance, rental vehicle, motor club, dental services or legal services are also exempt.

Effective 1/1/2013, all other exemptions were removed, but producers who are active with exemptions are grandfathered in, unless their license goes inactive for over a year, then the exemption will no longer apply.

  • Producers or service representatives who are employed by another producer or insurer to work only in the office of the employer, and who do not hold a nonresident license in any other state, must complete 50% the total required hours.
  • Individuals who are at least 60 years of age and have been licensed continuously in Alabama for at least 15 years (both of these criteria must be satisfied).
  • Individuals who hold an active Chartered Life Underwriter (CLU), Charter Property & Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Chartered Financial Consultant (ChFC), CERTIFIED FINANCIAL PLANNER (CFP), Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), Certified Health Consultant (CHC), or Associate Risk Manager (ARM) designation.

Acceptable Training Methods

  • Online (Internet delivery)
  • Correspondence (print)
  • Company seminars
  • Classroom

Notice

This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.