- The AL-LH exam has 150 questions, a 3-hour limit, and requires 105 correct (70%) to pass.
- Life Insurance is the heaviest section with 55 questions; Alabama Insurance Law is the lightest at 20.
- The exam fee is $75, administered through the University of Alabama's Alabama Insurance Testing program.
- No prelicensing completion certificate has been required in Alabama since January 1, 2024.
Exam Snapshot: The Numbers You Must Know
If you only have five minutes before your test appointment, these are the numbers that matter most for the Alabama Life & Health Insurance Producer Exam. The exam is governed by the Alabama Department of Insurance and administered through the University of Alabama's Alabama Insurance Testing program. It's a combined Life and Health producer exam, meaning both lines are tested in a single sitting rather than as separate licensing exams.
- Question count: 150 computer-based multiple-choice questions
- Time allowed: 3 hours
- Passing score: 105 correct answers, or 70%
- Fee: $75 for the combined Life and Health exam
- Delivery: Approved Alabama testing sites or online proctoring via ProctorU
For a deeper walkthrough of how these numbers translate into a study plan, see the AL-LH Study Guide 2026: How to Pass on Your First Attempt. And if you want the full context on scoring mechanics specifically, the AL-LH Passing Score 2026: Exactly What You Need to Pass breaks down what 105-of-150 actually looks like in practice.
Domain Breakdown at a Glance
The AL-LH exam is split into four parts, and the point allocation is not even. Knowing exactly how many questions come from each domain lets you prioritize your study hours instead of spreading them equally across topics that don't carry equal weight.
| Domain | Content Area | Question Count |
|---|---|---|
| Domain 2 | Part II - Life Insurance | 55 |
| Domain 3 | Part III - Health Insurance | 45 |
| Domain 1 | Part I - General - Life and Health Insurance | 30 |
| Domain 4 | Part IV - Alabama Insurance Law | 20 |
Life Insurance and Health Insurance together make up 100 of the 150 questions - two-thirds of the entire exam. That means candidates who shortchange these two domains in favor of over-studying general concepts or state law are working against the actual exam blueprint. For a full walkthrough of what's tested inside each part, read the AL-LH Exam Domains 2026: Complete Guide to All 4 Content Areas.
Part II - Life Insurance (55 questions)
The single largest domain on the exam. Expect heavy coverage of policy types, riders, beneficiary designations, and the mechanics of how life policies are underwritten and paid out.
- Term, whole, universal, and variable life policy structures
- Nonforfeiture options and policy loans
- Settlement options and beneficiary rules
Part III - Health Insurance (45 questions)
The second-heaviest domain. Candidates should expect questions on individual and group health products, along with the terminology insurers and regulators use to define coverage.
- Disability income and long-term care basics
- Group vs. individual health contract provisions
- Managed care structures and coordination of benefits
Part I - General - Life and Health Insurance (30 questions)
This section covers the foundational insurance concepts that apply across both life and health products before the exam narrows into product-specific detail.
- Insurable interest and contract elements
- Underwriting and risk classification basics
- Standard policy provisions and clauses
Part IV - Alabama Insurance Law (20 questions)
The smallest domain by question count but still worth 20 points - enough to matter for candidates sitting right at the 105-question passing threshold.
- Alabama Department of Insurance authority and producer duties
- State-specific licensing and appointment rules
- Alabama-specific unfair trade practices and penalties
Registration and Fee Mechanics
Registration for the AL-LH exam runs through the University of Alabama's Alabama Insurance Testing program rather than a national testing vendor unaffiliated with the state. Candidates pay the $75 combined fee to sit for both the Life and Health portions in one exam event, rather than paying separately for two exams.
Since January 1, 2024, Alabama has not required candidates to submit a prelicensing education completion certificate before sitting for the exam, which has simplified the path for many applicants. That said, the content itself hasn't gotten any lighter - you're still tested on the same 150 questions across the same four domains. For a full cost breakdown including how the $75 fee compares to related licensing expenses, see the AL-LH Certification Cost 2026: Complete Pricing Breakdown. To confirm current testing windows and scheduling options at approved sites or through ProctorU, check the AL-LH Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Key Takeaway
Because there's no prelicensing certificate requirement anymore, candidates can move faster from decision to test date - but that also means self-directed study using resources like the AL-LH practice test platform matters more than ever.
Must-Know Topics by Section
Beyond the domain names, here's a condensed list of the concrete concepts that show up repeatedly in AL-LH-style questions. This is the "if you remember nothing else, remember this" list.
- Life Insurance: Free-look periods, grace periods, incontestability clauses, and the difference between primary and contingent beneficiaries
- Health Insurance: Pre-existing condition limitations, elimination periods on disability policies, and Medicare supplement basics
- General Life and Health: The application-to-policy process, representations vs. warranties, and consideration in an insurance contract
- Alabama Insurance Law: Producer license renewal cycles, continuing education obligations, and grounds for license denial or revocation under Alabama statute
Because Alabama Insurance Law questions are state-specific, generic national study guides often gloss over them. Make sure whatever materials you use actually address Alabama's producer statutes directly, not just generic insurance law concepts borrowed from another state's exam.
Retake Waiting Periods Cheat Sheet
One of the most misunderstood parts of the AL-LH process is the retake waiting schedule. Print this table if you're the type who wants a worst-case plan before test day.
| Attempt Failed | Waiting Period Before Retake |
|---|---|
| 1st failure | No waiting period |
| 2nd failure | 90 days |
| 3rd failure | No waiting period |
| 4th failure | 180 days |
| Every 2 failures after the 4th | 180 days |
Notice the pattern isn't linear - the third failure resets to no wait, which surprises a lot of candidates who assume waiting periods always escalate. Plan your study timeline accordingly, and don't treat a single failed attempt as catastrophic; you can schedule a retake immediately. For more context on how difficult candidates generally find this exam and what drives repeat attempts, read How Hard Is the AL-LH Exam? Complete Difficulty Guide 2026 and AL-LH Pass Rate 2026: What the Data Shows.
Test Day Rules and Prohibited Items
The AL-LH exam environment is strict, whether you test at an approved Alabama site or remotely through ProctorU. Understanding the rules ahead of time prevents avoidable disqualification.
- Prohibited: Books, study materials, calculators, personal paper, and scrap paper
- Format: 150 computer-based multiple-choice questions delivered in a single 3-hour block
- Delivery options: In-person at approved Alabama testing sites, or remotely via ProctorU online proctoring
Because calculators are not permitted, any math-based questions (like calculating premium adjustments or interpreting policy values) must be worked mentally or through elimination of clearly wrong answer choices. This is one more reason the Life Insurance and Health Insurance domains deserve extra repetition - familiarity reduces the need for on-the-fly calculation.
Eligibility and Licensing Path
Candidates must be at least 18 years old to sit for the AL-LH exam. As noted, a prelicensing education completion certificate has not been required since January 1, 2024, which streamlines the path considerably compared to prior years.
After passing, resident applicants complete fingerprinting and then apply for licensure through NIPR (the National Insurance Producer Registry). This sequence - pass exam, complete fingerprinting, apply through NIPR - is the standard route for Alabama residents. For the complete eligibility checklist, see AL-LH Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Key Takeaway
Fingerprinting happens after you pass, not before - so there's no reason to delay scheduling your exam while waiting on background check logistics.
The Week Before: A Final Review Plan
If you're within a week of your scheduled exam, resist the urge to start new material. Instead, sequence your remaining hours around the domain weights you already know.
Life Insurance Review
- Drill policy types, riders, and nonforfeiture options - this is 55 of 150 questions
- Run timed practice sets to build pacing at roughly one minute per question
Health Insurance Review
- Focus on disability income, group vs. individual provisions, and managed care terms
- Cross-check weak areas against missed questions from Life Insurance drills
General Concepts and Alabama Law
- Review contract elements and underwriting basics from Part I
- Memorize Alabama-specific producer duties and licensing rules from Part IV
Light Review Only
- Skim summary notes across all four domains, no new content
- Confirm testing site or ProctorU setup and required identification
This sequencing mirrors the exam's own weighting: the two heaviest domains get the most days, and Alabama law - while smaller - still gets dedicated attention since it's the domain candidates most often underestimate. For a full-length version of this kind of planning, see the AL-LH Study Guide 2026: How to Pass on Your First Attempt, and run full-length timed sets on the practice exam platform to simulate the real 3-hour format.
FAQ
The exam has 150 computer-based multiple-choice questions, and you need 105 correct - 70% - to pass.
The combined Life and Health producer exam costs $75 and is administered through the University of Alabama's Alabama Insurance Testing program.
No. Alabama has not required a prelicensing education completion certificate since January 1, 2024.
There's no wait after the first failure, a 90-day wait after the second, no wait after the third, and a 180-day wait after the fourth, with 180-day waits after every two subsequent failures.
No. Books, study materials, calculators, paper, and scrap paper are all prohibited at both approved testing sites and ProctorU online sessions.