Regulations


The following is a list of all administrative regulations promulgated by the Alabama Commissioner of Insurance and currently in force. The regulations are listed in order by regulation number. Regulations that have been repealed or that are otherwise no longer in force have been omitted from this list.

If you do not know the specific number of a regulation, please use your browser's "Find" feature to search for specific words that may be included in the description of a regulation.

Included is a link for the full text of those regulations adopted or revised since 1990. The link will be in one of the columns on the right titled "Format of Link" and will take you to either a "Word" or a "PDF" file. If you cannot access the regulation you need from this site, you may request a copy via e-mail.

Please include in your request the Regulation Number and description. There is no charge for copies obtained from this web page or by e-mail. Photocopies can be provided via U.S. Mail at a cost of $1 per page. The "Number of Pages" column to the right of the description indicates the number of pages in the regulation maintained at the Alabama Department, and thus the cost in dollars to obtain a copy of the regulation. Please mail your check payable to Commissioner of Insurance, State of Alabama, to P O Box 303351, Montgomery AL 36130-3351.

Regulation Number Description Number of Pages Format of Links
3 Per Diem Subsistence and Compensation Incurred in Examination of Domestic Insurance Companies and Others 4 Word
9 Industrial Fire Insurance Policies [last revised effective January 26, 2003] 4 Word
11 Nationwide Marine Definition Adopted 1 Word
13 Disability Insurance Advertisements and Other Similar Coverages [last revised effective January 26, 2003] 35 Word
17 So-Called "Free Insurance" in Connection with Sales of Cemetery Lots, Automobiles, and Other Articles and Services 3 Word
24 Filing for Approval of All Life and Accident and Health Policy Forms, Riders, Endorsements and Applications [Last Revised Effective Date May 1, 2003] 4 Word
36 Insurance Placed with Companies not Licensed in Alabama 5 Word
39 Classification of Certain Types of Insurance as Inland Marine 1 Word
40 Insurance - Rebates - Dividends 3 Word
42 Proxies, Consents and Authorizations of Domestic Stock Insurers 46
Text of Regulation 42 Word
Schedule A Word
Schedule B Word
Schedule C Word
43 Mortgage Guaranty Insurance 4 Word
52 Alabama Insurance Underwriting Association 2 Word
54 Notification of Actions Against Insurance Companies, Insurance Producers, and Other Licensed Entities [Last Revised Effective Date May 1, 2003] 5 Word
55 Insurance Holding Company System Regulation with Reporting Forms and Instructions [last revised effective July 15, 1994] 31
Text of Regulation 55 Word
Form A. Statement Regarding the Acquisition of Control of or Merger With A Domestic Insurer Word
Form B. Insurance Holding Company System Annual Registration Statement Word
Form C. Summary of Registration Statement Word
Form D. Prior Notice of a Transaction Word
58 Placement of Property and Casualty Insurance on a Brokerage Basis 5 Word
59 Guidelines to be Used for Real Estate Appraisals [Effective January 1, 2005] 3 Word
60 Only Admissible Assets Shall be Reported on Annual Statements [Effective January 1, 2005] 3 Word
62 General Property/Casualty Binders, Certificates of Insurance or Indemnity Agreements [revised effective June 5, 2004] 3 Word
63 Minimum Surplus Required to Issue Policies of Insurance [Effective January 1, 2005] 3 Word
65 Procedural Rules Governing Administrative Hearings [Last Revised Effective Date May 1, 2003] 14 Word
66 Treatment of Unclaimed Funds by Insurers 3 Word
71 Medicare Supplement Insurance Minimum Standards Regulation. 110 Word
Revised effective June 30, 2009 116 Word
Revised effective January 1, 2010 116 Word
  Revised effective July 1, 2010 116 Word
72 Receipt Requirements [Effective January 1, 2005] 4 Word
73 Alabama Procedure for Permitting Same Minimum Nonforfeiture Standards for Men and Women Insured Under 1980 CSO and 1980 CET Mortality Tables [Last Revised Effective Date November 15,1985] 15
Text of Regulation 73 Word
Table B (CSO), Page 6 Excel
Table B (CET), Page 7 Excel
Table C (CSO), Page 8 Excel
Table C (CET), Page 9 Excel
Table D (CSO), Page 10 Excel
Table D (CET), Page 11 Excel
Table E (CSO), Page 12 Excel
Table E (CET), Page 13 Excel
Table F (CSO), Page 14 Excel
Table F (CET), Page 15 Excel
74 Unfair Discriminatory Acts or Practices 2 Word
75 Smoker - Non-Smoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits [Last Revised Effective Date November 15, 1985] 17
Text of Regulation 75 Word
Table 1, Page 6 Excel
Table 2, Page 7 Excel
Table 3, Page 8 Excel
Table 4, Page 9 Excel
Table 5, Page 10 Excel
Table 6, Page 11 Excel
Table 7, Page 12 Excel
Table 8, Page 13 Excel
Table 9, Page 14 Excel
Table 10, Page 15 Excel
Table 11, Page 16 Excel
Table 12, Page 17 Excel
76 Alabama Procedures for Recognizing a New Annuity Mortality Table for Use in Determining Reserve Liabilities for Annuities [last revised effective January 1, 1999] 5 Word
77 The Use of Clearing Corporations and Federal Reserve Book Entry System by Domestic Insurance Companies [last revised effective date June 9, 2003] 13 Word
78 Named Payee on Checks Written for Premiums and Receipts Therefore 3 Word
Revised effective July 1, 2009 4 Word
79 Health Maintenance Organizations Generally 14 Word
80 Liabilities of Health Maintenance Organizations [last revised effective May 1, 1996] 8 Word
81 Licensing of Sales Agents for Health Maintenance Organizations 3 Word
82 Health Maintenance Organization Guaranty Association 4 Word
83 Governing Rules of the Alabama Health Maintenance Organization Guaranty Association 13 Word
85 Life and Health Reinsurance Agreements 9 Word
88 Guidelines to Advertisers Regarding the Offering of Free Gifts, Benefits, etc.[last revised effective date June 9, 2003] 4 Word
90 Examination Expenses of Rule, Rate or Form Filings by Rate-Making Organizations 2 Word
91 Long-Term Care Insurance 73 Word
93 Credit Property and Voluntary Unemployment Insurance [last revised effective August 2, 2002] 10 Word
94 Surplus Notes 7 Word
96 Placement of Insurance Through Alien Unauthorized Insurers 6 Word
97 NAIC Accounting Practices and Procedures and Insurer Reporting Requirements 10 Word
  NAIC Accounting Practices and Procedures and Insurer Reporting Requirements (Revised effective January 1, 2009) 6 Word
98 Valuation of Investments 2 Word
99 Capital and Surplus Requirement 2 Word
100 Requirement for Annual Audited Financial Reports [revised effective June 5, 2004] 13 Word
101 Standards for Determining Hazardous Financial Condition 5 Word
[revised effective May 5, 2009] 6 Word
102 Participation in the NAIC Insurance Regulatory Information System (IRIS) 3 Word
103 Conduct of Examinations and Filing of Reports of Examination 3 Word
104 Confidential Treatment of Information 3 Word
105 Credit for Reinsurance [last revised effective date November 9, 2003] 23
Text of Regulation 105 Word
Form AL-AR-1. Certificate of Assuming Insurer Word
106 Managing General Agents [last revised effective August 29, 2002] 7
Text of Regulation 106 Word
Form AL-MGA-1. This is the form used to apply for MGA Appointment. (Rev. 8/2002) PDF
Form AL-MGA-2. This is the MGA contract insurers must use. (Rev. 8/2002) PDF
Form AL-MGA-3. This form is used by insurers to cancel an MGA appointment. (Rev. 8/2002) PDF
Form AL-MGA-4. This form will be sent to insurers by the DOI on or about October 1 of each year. (Rev. 8/2002) PDF
107 Reinsurance Intermediaries 9
Text of Regulation 107 Word
Form AL-RI-1. Use this form to apply for Reinsurance Intermediary License. Word
109 Continuation of Appointments for Producers and Service Representatives 4 Word
110 Renewal of License and Continuing Education for Producers and Service Representatives 12 Word
111 Licensing of Limited Line Credit Insurance Producers [last revised effective September 29, 2002] 13 Word
112 Actuarial Opinion and Memorandum Regulation 19 Word
  [Revised effective June 1, 2010]   Word
113 Accelerated Benefit Provisions of Individual and Group Life Insurance Policies 10 Word
114 Life Insurance Illustrations [effective January 1, 1998] 17 Word
115 Alabama Health Insurance Plan 13 Word
  [Revised effective June 1, 2010] 14 Word
  [Revised effective September 20, 2010] 14 Word
116 Alabama Small Employer Allocation Program [last revised effective October 1, 2001] 17 Word
117 Credit Life and Disability Insurance [effective November 1, 1999] 23 Word
118 Record Retention for Financial Audits and Time Limits for Response to Inquiries from Examiners 4 Word
119 Restrictions on Loans obtained by Insurance Producers from their clients 5 Word
120 Valuation of Life Insurance Policies (Including the Introduction and Use of New Select Mortality Factors) 36 Word
  [Revised effective June 1, 2010]   Word
122 Privacy of Nonpublic Personal Financial Information [last revised effective October 1, 2001] 41 Word
123 Rates and Forms Filing Requirements for Property and Casualty Insurance [last revised effective September 22, 2001] 3 Word
124 Standards for Life, Accident and Health Insurance Claims [Effective June 9, 2003] 8 Word
125 Standards for Property and Casualty Insurance Claims 12 Word
126 Standards for Safeguarding Customer Information 6 Word
127 Use of Credit Information for Determining Rates and Eligibility for Personal Insurance 8 Word
128 Group Coordination of Benefits (COB) 24 PDF
129 Annuity Disclosure 26 Word
130 Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits [Effective January 1, 2004] 6 Word
131 Life Insurance Disclosure Regulation [Effective January 1, 2005] 15 Word
Appendix A. Life Insurance Buyer's Guide Word
132 Advertisements of Life Insurance and Annuities Regulation [Effective January 1, 2005] 15 Word
133 Life Insurance and Annuities Replacement Regulation 25 Word
Appendix A. Important Notice Regarding Replacements Word
Appendix B. Notice Regarding Replacements for Direct Response Insurers Word
Appendix C. Important Notice Regarding Replacements for Direct Response Insurers Word
134 Health Insurance Reserves 23 Word
135 Mediation Alternative Procedures For Resolution Of Disputed Personal Lines Insurance Claims Arising From Hurricane, Tropical Storm, Tornados And Other Disasters Damage 7 Word
136 Notice Requirements for Coverage Restrictions of Existing Policies at Renewal and for Non-Renewal of Coverage 4 Word
137 Suitability Protection in Annuity Transactions 7 Word
138 Captive Insurers [Effective August 11, 2006] 9 Word
Revised effective August 24, 2009 10 Word
139 Recognition of Preferred Mortality Tables for use in Determining Minimum Reserve Liabilities 5 Word
  [Revised effective June 1, 2010]   Word
140 Military Sales Practices 12 Word
141 Annual Financial Reporting 23 Word
142 Biographical Data Relating to Company Officers and Directors 4 Word
Attachment A PDF
143 Preneed Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values 5 Word
144 Electronic Filing of Premium Tax Returns and Surplus Line Broker Tax Returns; Electronic Payment of Premium Taxes, Surplus Line Broker Taxes and Fees 6 Word
146 Criminal History Disclosure and 18 U.S.C. Section 1033 Consent 12 Word
Revised effective January 1, 2010 12 Word
149 Property and Casualty Actuarial Opinion on Loss Reserves 5 Word
150 Estimation of Replacement Cost of Insured Dwellings 5 Word