ALABAMA

CONTACT INFORMATION

Alabama Department of Insurance
P O Box 303351
Montgomery, AL 36130-3351
Fax: (334) 240-3282

STATE SPECIFIC REQUIREMENTS

1. Individual applicants who provide an affirmative answer to any of the background questions should fax requested documentation to Danyetta Moore at (334) – 240-3282

2. Business entities who provide an affirmative answer to any of the background questions should fax requested documentation to Antwionne Dunklin at (334) – 240-3282. 

3. Business entities must be registered with the Alabama Secretary of State. (Phone number is 334-242-5324, and web address is www.sos.state.al.us).

4. Business Entities: Business entities engaging in insurance activities must be licensed as a producer. Producer(s) designated on the Business Entity application are required to hold an active Alabama license. The Designated Producer(s) must hold the lines of authority requested on the Business Entity application. The application will be declined and fees not refunded, if the Designated Producer(s) is not licensed at the time of application. Please check our website to make sure Designated Producers are currently licensed.

5. Variable Life and Variable Annuities: Applicant applying for variable license must also include the Life LOA.  CRD and FINRA review will be conducted by the state. Individual must submit copy of FINRA CRD report showing individual is registered for securities in Alabama.

6. Please note: There may be a variance of a day or two between the effective date communicated in the email response generated from our online application and the actual effective date assigned by the state of Alabama. The actual effective date will be submitted to the NIPR Producer Database and printed on your license. To verify the effective date, you may also visit the following website: http://www.aldoi.gov/LicenseeSearch/.

7. PUBLIC ADJUSTERS: Public adjusters are not licensed or regulated by the Alabama Department of Insurance. The Alabama State Bar takes the position that negotiating (or adjusting) claims on behalf of an insured directly with the insurer constitutes the practice of law.

Resident Surplus Line Broker must submit Form AL—SLB-13 and proof of $50,000 bond purchase and send to:

Alabama Department of Insurance
P O Box 303351
Montgomery, AL 36130-3351

Required Documentation for MGAs to be mailed to DOI is as follows:

• Fidelity Bond – minimum $100,000.00 no deductible
• Policy – minimum $1 million or 25% gross direct written premium, whichever is greater
• Contract – Form AL-MGA-2

Forms can be found at www.aldoi.gov

ALL DOCUMENTATION MUST BE MAILED.  NO FAXES.

Mailing Address:

Alabama Department of Insurance
Attn:  Examination Division
P. O. Box 303351
Montgomery, Alabama 36130-3351

* Service Representative, Title Insurance Agent, PreNeed Sales Agent, Temporary Producer and Managing General Agent license classes require an appointment before transacting business.

State fees will be collected by NIPR (on behalf of AL) when a transaction is declined according to AL business rules. Transaction fees and processing fees will also apply. Violation of the following rules will result in a decline response.

• Individual applicants - Applicant must be 18 years old or older as determined from the applicant's Date of Birth.
• Applicant applying for the Service Representative license must also have an appointment
• Applicants applying for an adjuster license must have all of the following:

  • Applicants must have an Alabama business address
  • Be 19 years of age or older.
  • Be a full-time salaried employee of a licensed adjuster or a graduate of a recognized law school or must have experience or special education or training in the handling of loss claims under insurance contracts of sufficient duration and reasonable extent to make him or her competent to fulfill the responsibilities of an adjuster.
  • Be trustworthy and of good character.
  • Have and maintain in this state an office accessible to the public and keep therein the usual and customary records pertaining to transactions under the license. ( Section 27-9-8, Code of Alabama, 1975)
• Business Entity applicants - Business entities must be a legal business type.      Note: these are options taken from the Uniform Application for Business entities.   NIPR does not check the business type but relies upon the state to insure that each type is applicable to the business.

  • 1 - Partnership
  • 2 - Limited Liability Company
  • 3 - Limited Liability Partnership
  • 4 - Corporation

Resident Renewal Application:

Contact Us Page:

Mailing Address:

Alabama Department of Insurance
P.O. Box 303351
Montgomery, AL  36130-3351
Fax Number: (334) 240-3282

State Specific Rules Page:

• Individual Producer and Service Representative licenses renew biennially by birth month and birth year

• Individual and Business Entity Producer Licenses renew at the LOA level

• Business Entity Producer renewal cycle begins on Oct 1 and ends on November 15 biennially—even years.

• Business Entity Producer late renewal cycle begins Nov 16 and end Dec 31, biennially—even years.

• Surplus Line Broker and Surplus Line Broker Agency  renewal cycle begins on  Oct 1st and ends on Dec 31st annually

• Adjuster renewal cycle begins on Oct 1 and ends on Dec 31, biennially—odd years. Adjusters may late renew from Jan 1 to Feb 14.

• Reinsurance Intermediary Manager must submit to AL:  copy of a fidelity bond in the minimum amount of $100,000 with no deductible and which must have a discovery period of at least one year, errors & omissions liability policy with coverage limits in the minimum amount of one million dollars ($1,000,000), and a list of reinsurers to be represented, to include the reinsurer's name, NAIC number, state of domicile, and FEIN.

• Alabama license numbers will no longer include the beginning alpha character or any leading zeros. Example: ""A012345"" will be ""12345"" or ""A001234"" will be ""1234""