AL-LH Passing Score 2026: Exactly What You Need to Pass

The Magic Number: 105 Out of 150

The Alabama Life & Health Insurance Producer Exam has a single, unambiguous passing threshold: 105 correct answers out of 150 questions, or 70%. There's no curve, no partial credit, and no separate cut score for each domain - just one composite number that determines whether you walk out with a passing result or a "did not pass" notice. This is the figure every candidate needs anchored in their head before they ever open a study guide.

Because the passing score is fixed and known in advance, your preparation strategy should be built around hitting that number with margin to spare, not scraping by. Missing 45 questions still gets you a passing score, which means the exam rewards broad competence across all four content areas rather than perfection in any single one. For a full walkthrough of what those content areas actually cover, see the AL-LH Exam Domains 2026: Complete Guide to All 4 Content Areas.

How AL-LH Scoring Actually Works

The exam is delivered as a computer-based test administered through the University of Alabama's Alabama Insurance Testing program, under the authority of the Alabama Department of Insurance. Every candidate answers 150 multiple-choice questions, and the pass/fail decision comes down to the raw count of correct answers relative to that 105-question threshold. There is no separate written or practical component - it is entirely a single-sitting, computer-scored assessment.

Unlike some professional exams that report scaled scores or percentile rankings, the AL-LH result is presented in plain terms: you either reached 70% or you didn't. This simplicity is useful for planning - you can track your own practice test scores against the same 70% benchmark and know exactly where you stand before test day.

The $75 fee covers a single attempt at the combined Life and Health exam. Candidates can test at approved Alabama testing sites or remotely through ProctorU online proctoring, and the scoring standard is identical regardless of which format you choose. If you want a full accounting of what the exam and licensing process costs from start to finish, review the AL-LH Certification Cost 2026: Complete Pricing Breakdown.

Passing Score by Domain Weight

While the 105-question passing threshold applies to your total score, understanding how those 150 questions are distributed across the four exam parts helps you allocate study time intelligently. A candidate who is strong in Alabama Insurance Law but weak in Life Insurance is in a much riskier position than the reverse, simply because of how many questions come from each area.

Because Life Insurance and Health Insurance together account for 100 of the 150 questions, mastering these two domains does most of the heavy lifting toward your 105-question target. That said, ignoring the 20-question Alabama Insurance Law section is a common mistake - it's small, but every point counts toward the same composite score.

For a question-by-question breakdown of what each part actually tests, the AL-LH Exam Domains 2026: Complete Guide to All 4 Content Areas goes deeper than a passing-score article can. And if you're trying to gauge how tough this exam is relative to your current knowledge, How Hard Is the AL-LH Exam? Complete Difficulty Guide 2026 covers that in detail.

What Counts Against You on Test Day

Reaching 105 correct answers isn't just about knowing the material - it's also about avoiding avoidable mistakes tied to the exam's strict format. The AL-LH exam prohibits books, study materials, calculators, paper, and scrap paper in the testing room. Candidates who are used to jotting quick notes or doing math by hand on other exams need to adjust their approach, since every calculation has to be done mentally or worked out on-screen if the testing software allows it.

You have three hours to complete all 150 questions, which is generous on a per-question basis, but time pressure can still creep in in the last section if you get stuck on a handful of Health Insurance or Life Insurance scenario questions. Pacing yourself so you don't burn excessive time on any single question protects your ability to reach the full 105-question threshold.

It's also worth noting that Alabama removed the prelicensing course completion certificate requirement as of January 1, 2024. That change affects how you get to the exam, not the passing standard itself - 70% is still 70% regardless of how you prepared. Full eligibility details, including age requirements and fingerprinting steps that happen after you pass, are covered in AL-LH Requirements 2026: Eligibility, Prerequisites & How to Qualify.

Retake Rules If You Fall Short

Not everyone hits 105 correct answers on the first attempt, and Alabama's retake structure is more forgiving than many candidates expect. There is no waiting period after a first failure - you can schedule and retake the exam right away. If you fail a second time, a 90-day waiting period applies before you can sit again.

Interestingly, the rules aren't strictly escalating: after a third failure, there is no wait at all, but a fourth failure triggers a 180-day wait. Every two subsequent failures after that also carry a 180-day wait. Understanding this pattern matters because it changes how you should approach a retake - a quick second attempt without addressing weak domains risks landing you in the 90-day wait, so it's worth treating each attempt seriously rather than assuming unlimited free retries.

Each attempt also costs the full $75 exam fee, so repeated retakes add up financially, not just in lost time. If you want to see how the numbers work across scenarios where candidates need multiple attempts, the AL-LH Pass Rate 2026: What the Data Shows article looks at outcomes in more depth.

Timing Your Prep Around the 70% Line

Given that Life Insurance (55 questions) and Health Insurance (45 questions) make up two-thirds of the exam, your study calendar should reflect that weighting rather than splitting time evenly across all four domains. A practical way to sequence preparation is to build toward the heaviest domains first, then reinforce the smaller ones closer to test day so they're fresh.

This kind of sequencing - heaviest domains early, smaller ones reinforced last, full-length timed runs at the end - gives you the most exposure to the questions that actually move your score toward 105. For a more detailed week-by-week plan built specifically around this exam's structure, see the AL-LH Study Guide 2026: How to Pass on Your First Attempt. Running full-length practice exams under realistic time constraints on our practice test platform is one of the most direct ways to confirm you're consistently clearing 70% before you commit to a test date.

If you're still weighing whether pursuing this license fits your career goals, Is the AL-LH Certification Worth It? Complete ROI Analysis 2026 and AL-LH Salary Guide 2026: Complete Earnings Analysis look at the bigger picture beyond just passing the exam. And once you're licensed, AL-LH Jobs outlines who actually hires producers holding this credential in Alabama's insurance market.

Frequently Asked Questions