Lines of Insurance
(A) Automobile (Full Coverage)
Automobile insurance is property and casualty coverage for automobiles.
(BB) Bail Bond
Bail Bond insurance is surety coverage for bail and is a form of bond given to guarantee
that a person released from legal confinement will appear as required in court,
or the penalty of the bond will be forfeited to the court.
(C) Casualty
Casualty insurance is insurance coverage against legal liability, including that
for death, injury, or disability or damage to real or personal property, and surety.
(CR) Credit
Limited line credit insurance includes credit life, credit disability, credit property,
credit unemployment, creditor-placed (also known as forced-placed), nonfiling, involuntary
unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed
automobile protection (GAP), family and medical leave insurance, and any other form
of insurance offered in connection with an extension of credit that is limited to
partially or wholly extinguishing that credit obligation that the commissioner determines
should be designated a form of limited line credit insurance.
(DS) Dental Service
Dental service insurance is a health insurance contract providing payment for certain
enumerated dental services. Producers for this line of authority must have and maintain
authority for Accident and Health or Sickness (Disability) Insurance.
(H) Accident and Health or Sickness (commonly known as Disability)
Disability insurance is insurance coverage for sickness, bodily injury, or accidental
death and may include benefits for disability income.
(IF) Industrial Fire, commonly known as Debit Fire
Industrial fire insurance is fire insurance sold through a debit agency system.
(L) Life
Life insurance is insurance coverage on human lives including benefits of endowment
and annuities, and may include benefits in the event of death or dismemberment by
accident and benefits for disability income.
(LS) Legal Service
Legal service insurance is the assumption of a contractual obligation to pay for
specific legal services or to reimburse for specific legal expenses, in consideration
of a specified payment in advance for an interval of time.
(MC) Motor Club
Motor club membership provides members with assistance in matters relating to the
ownership, operation, use or maintenance of a motor vehicle.
(NRR) Non-Resident Reciprocal Line of Authority
Non-Resident Reciprocal Line of Authority is to be used only when applying for an
initial non-resident producer license for a line of authority you hold in your home
state but not used in Alabama (such as travel, baggage, crop or surety).
(P) Property
Property insurance is insurance coverage for the direct or consequential loss or
damage to property of every kind.
(PL) Personal Lines
Personal lines insurance is property and casualty insurance coverage sold to individuals
and families for primarily noncommercial purposes.
(RV) Rental Vehicle
Rental vehicle insurance is personal accident insurance, liability insurance, personal
effects insurance, roadside assistance and emergency sickness protection programs,
and any other travel or auto-related coverage offered by a rental company in connection
with and incidental to the rental of vehicles.
(V) Variable Life & Variable Annuity
Variable life and variable annuity is insurance coverage provided under variable
life insurance contracts and variable annuities, which are contracts under which
obligations are assumed with respect to periodic payments for a specific term, or
terms, or where the making or continuation of all or of some such payments or the
amount of any such payment is dependent upon the continuation of human life.