Use Our Online Services
Company Information
Consumer Information
Fire Marshal Information
Legal Information
Licensing Information
Preneed Information
Search For Licensees,Companies,etc.

Hurricane Info
Hurricane Info

Limitations on Repeat Examinations

Section 27-7-4.3(e), Code of Alabama 1975, reads, in pertinent part, as follows:
No individual who has taken and failed to pass two examinations ... for a particular line of insurance shall be entitled to take any further examination for that line of insurance until after the expiration of three months from the date of the last examination which the individual failed to pass. If the individual thereafter fails to pass the examination after two more attempts, the individual shall not be eligible to take any further examination for that line of insurance until after the expiration of six months from the date of the last unsuccessful examination. An examination fee shall be paid for each and every examination.

NOTE: After an applicant has failed an examination four times, the applicant thereafter has a six month waiting period for each subsequent exam. Please note also the prelicensing course certificate is valid for one year from date of completion.

The Department's position regarding the waiting period mandated by this law is as follows:
  • From the Life and Health bank:
    • Life - The waiting period applies to the life exam and the combined life and disability exam.
    • Accident and Health or Sickness (Disability) - The waiting period applies to the disability exam and the combined life and disability exam.
    • Combined Life / Accident and Health or Sickness (Disability) - The waiting period applies to the life exam, the disability exam, and the combined life and disability exam.
    • Variable Life and Variable Annuity - The waiting period applies to this exam only.
  • From the Property and Casualty bank:
    • Industrial (Debit) Fire - The waiting period applies to this exam only.
    • Automobile Full Coverage - The waiting period applies to this exam only.
    • Combined Property and Casualty - The waiting period applies to all exams in this bank.
    • Personal Lines - The waiting period applies to all exams in this bank.
  • Bail Bonds - The waiting period applies to this exam only.
Examples: An applicant who has twice failed the life exam is prohibited for three months from taking the life exam and the combined life and disability exam but could take the disability exam or any of the property and casualty exams or the bail bond exam. [Note: This applicant also could not take the variable exam, but this is because he or she must be licensed for life to be qualified for the variable exam.] An applicant who has twice failed the industrial fire exam is prohibited from taking the industrial fire exam for two months but can take any of the other exams. An applicant who has twice failed the personal lines exam is prohibited from taking any exam from the property and casualty bank but can take any exam from the life and health bank or the bail bonds exam.
November 21, 2008
Click to Search Site
Quick Links

          National Association of Insurance Commissioners Web Site

          Insure U - Get Smart About Insurance

          Search insurance department websites nationwide

         State of Alabama Home Page
            Get Acrobat Reader!