learninsurance.com is a fully accredited provider of insurance continuing education courseware for Alabama. Because our training is entirely online and the lessons can be taken when you have time, our courses are perfect for today’s hectic schedules.
We offer comprehensive training to help you ramp up your insurance career in Alabama. Be sure to check with your state to make sure you’re meeting the requirements in Alabama prior to enrolling.
If you purchase the Unlimited CE package you can get all of the individually listed courses below for a grand total of $39.95! (Filing fees are included in your price. Read More…)
Individual Courses below are offered for regular retail price if purchased separately. (Filing Fees are included in your price)
learninsurance.com is a fully accredited provider of mandatory insurance continuing education (CE) coursework for preparing for examination through the Alabama Department of Insurance.
Our courses are 100% online and include everything you need to fulfill your CE requirement to renew your Alabama Insurance License. Provider – 360training.com, Inc. # 23300293.
We recommend you check your state’s requirements prior to enrolling.
Please note: General credit hours count for either property and casualty or life and health. Unlimited Insurance CE Credits
Through access to the entire CE course catalog, you can complete all required courses needed to renew your Alabama Insurance License.
- Anti-Money Laundering AL – (General)
- Commercial General Liability Insurance AL – (General)
- Homeowners and Dwelling Insurance AL – (General)
- Inland Marine Insurance AL – (General)
- Personal Auto Insurance AL – (General)
- Ethics For Insurance Professionals Advanced AL – (Ethics Fulfills Ethics Requirement)
- Introduction to Property and Casualty and the Insurance Contract AL – (General)
- Life, Health, Disability and Long Term Care AL – (General)
- Overview of Life Settlements: Current Events & Regulatory Update AL – (General)
- Employer Practices
- Ethics and Fraud
- Ethics for Insurance Professionals Basic
- Flood Insurance
- Homeowners and Dwelling Insurance
- Inland Marine Insurance
- Insurance Fraud Awareness
- Legal and Moral Issues in the Insurance Industry
- Legal Responsibilities of the Insurance Agent
- Life Settlements
- Mold and the Insurance Industry
- New Trends in Life & Health Insurance: Environmental & Occupational Issues
- Ocean Marine Insurance
- Personal Auto Insurance
- Principles of Insurance
The State of Alabama Department of Insurance requires a $1.00 per course credit hour filing fee surcharge on all CE packages and courses. This surcharge will be added to your final transaction amount upon order confirmation.
Life, Health, Disability and Long Term Care AL – (General)
This course provides an overview to the insurance students about four main types of insurance policies. The four policies Life, Health, Long Term Care and Disability Insurance are the most widely selling policies in the insurance industry. This course contains some valuable information about the principles of life, health, disability and long term care insurance policies, some important related definitions, needs for the purchase of different kinds of insurance policies, application process for applying these kids of insurance, their after effects and different sub forms of these insurance policies.
Alabama Long Term Care Inital 8 Hour Course – (Long Term Care)
This Long Term Care course was designed, constructed and written to provide students with comprehensive continuing education in the area of Long Term Care and Long Term Care Insurance while also satisfying many state’s special required LTC training. The harsh realities of aging in America are coming into sharp focus Baby Boomers approach retirement and the longer term health issues that come with prolonged life and increased longevity. Consumers cannot rely on Medicare, Medicare supplementary insurance, or health insurance to help them meet Long Term care costs. These do not cover most Long Term care expenses.The subject matter includes LTC Landscape, LTC Basics, LTC Providers and Services, Paying for LTC, Regulations and LTC, Definitions, Federal and State LTC Insurance benefit ‘Triggers’, Premium and Benefit Taxation, LTC Insurance Policy provisions, Home Care issues, Company stability, Consumer Protection, Alternatives to LTC Insurance, and the basics of LTC Partnerships.The NAIC Long Term Care Insurance Model Act and the NAIC Long Term Care Insurance Model Regulation sections are all included within this course as well as a significant amount of LTC material beyond the fundamentals included in the models and regulations.The Long Term Care course is a continuing education course to enhance the professional competence of financial and insurance professionals aspiring to make Long Term Care insurance a cornerstone of their personal mission, as well as to fulfill their commitment to their clients to stay up to date on key areas that affect them and their families.
Introduction to Property and Casualty and the Insurance Contract AL – (General)
This course will introduce you to the basic principles of insurance, including the concept of risk, the different types of risk, and techniques in managing risk. It will introduce you to several basic elements and terms used in the insurance industry. The course will focus on explaining the insurance contract by introducing and reviewing its various parts, including: the elements, characteristics, and parts of a contract, as well as various policy organizations. It will also lesson focus on the insurance transaction. The transaction includes such things as the application process, how the policy is selected, underwritten, and rated. This section will also review some of the legal requirements of applicants and the insurance company, with respect to the insurance transaction.
The impact of Employer Practices for the insurance industry has become increasingly subject to legal constraints. An expanding series of laws regulate almost every facet of the employer-employee relationship. The laws deal with employee recruitment, testing, wages, benefits, nondiscrimination, occupational safety and health, workers compensation, wrongful discharge, unemployment insurance, pensions and other matters. Employers in the insurance industry must have knowledge of the law to avoid pitfalls. Employees in the insurance industry must also have knowledge of the law s- they can defend themselves when employers act illegally or when they feel their rights have been violated. Although the study of Employer Practices is worthy of several volumes, this course will provide a general overview of the more common employer practice issues confronting the insurance industry. to set the stage a brief overview is given of the industry and its employment of agents and brokers, who will be taking this course. This is followed by a history of the employer-employee relationship. In chapter one the laws are placed on a time line providing a rationale for why these prohibitions and rights were created. With this information as the foundation, the laws are outlined and employer practices, from pre-hiring to postotermination, are reviewed. This overview provides some practical applications to the law. Suggestions are made as to some dos and donts that should be considered.
Insurance Fraud Awareness
The insurance industry in the United States consists of more than 5,000 companies with over $1.8 trillion in assets. The insurance industry is one of the largest and most interdependent of the United States industries, making it a critical U.S. industry. Insurance fraud has become one of the most prevalent and costly white-collar crimes. According to a published study by the Coalition Against Insurance Fraud (CAIF), fraud is among the most prominent cost components escalating the costs of insurance. The CAIF has estimated the annual loss figures relative to insurance fraud (non health insurance) to be approximately $26 billion. F raud is costing companies, businesses, and individuals, who pay higher insurance premiums. Identifying, targeting, and dismantling those individuals, organized groups, and con artists committing fraud against the insurance industry will accomplish reducing the amount of economic loss to the insurance industry due to fraud. This course provides an overview of insurance fraud, which will provide the student with an understanding of the nature, costs, results and methods of preventing insurance fraud. The ultimate goal of this course is to increase awareness of insurance fraud and demonstrate the importance of preventing insurance fraud. Topics covered include: Ethics, Fraud Detection and Prevention, Patterns and Indicators of Fraudulent Claims, Legal Issues, and Consumer Protection.
Legal and Moral Issues in the Insurance Industry
Our industry is being besieged by matters of compliance. This is especially true in the areas of life insurance and securities. Some may privately express the view that compliance is an impediment to doing business and doing it successfully. But isnt the question really: should shortoterm gains take priority over Long Term client relationships? At first sight, it seems that career agents for the major companies are most affected by strict compliance regulations. While, independent insurance agents and those not closely associated with a major insurer are untouched by compliance requirements. Compliance enforcement and oversight may be more difficult, as those who supervise agents activities may be further removed in time and place from the sales process. The intention of this course is to refocus you on compliant and ethical professional behavior. If you always concentrate on a clients needs and place them above your own, compliance should not be an obstacle in your practice. Putting the client first seems a simple concept, but sometimes it is difficult to implement. Topics covered include: Compliance, Ethics and Professionalism , Our Working Legal Framework, Communication and the Sales Process, Common Compliance Problems, Ethics and Compliance in Practice.
Legal Responsibilities of the Insurance Agent
Legal responsibilities are fundamental. An insurance agent walks a difficult line with legal responsibilities to both an insurance company and a client. When the agent does not live up to these responsibilities, there is the threat of being sued. Periodically, every agent should review the legal responsibilities of an agent in modern society. An insurance agents social, ethical and professional responsibilities may be optional; but legal responsibilities are not. Legal responsibilities are the minimum amount that is required of every agent. If he does not live up to his legal responsibilities, he will end up out of business and maybe even behind bars. Because legal responsibilities are determined by common law, statute, and case law, they are evolving. An agent must remain current, making adjustments for trends and refinements. The purpose of this course is to provide the student with a knowledge and understanding of these legal responsibilities and insurance principles. Topics include: Principles of Insurance, Characteristics of Legal Responsibilities, Illegal Acts of an Insurance Agent, Ethics in the Insurance Agency, and Legal Issues in Insurance Fraud.
Mold and the Insurance Industry
One of the hottest issues facing the insurance industry today involves toxic mold claims under both personal and commercial lines policies. After several recent multiomillion dollar judgments, attorneys are comparing this to asbestos and lead paint claims with regard to the litigation potential. From the standpoint of commercial exposures, toxic mold claims are beginning to rival ‘construction defect’ claims in numbers and magnitude. Home and business owners are looking to their insurers and contractors, building material suppliers, plumbers, and others for remuneration for real or perceived property damage and bodily injury. Mold exists everywhere in our environment. Some molds like penicillin are beneficial, while other types of mold can cause health problems. Concern over so-called ‘toxic mold’ is growing as the medical community begins to understand some of the ailments such mold can cause. Other than EPA and CDC guidelines, there appear to be few, if any, state or federal regulations regarding mold infestations and remediation. Lack of mold awareness also has been part of the problem. The truth is that while liability issues may be debated among insurers, property professionals, and others, uncontrolled mold growth will only heighten property and health claims unless quickly checked and remediated. The goal of this course is to increase awareness of mold and its affect on the insurance industry.
Continuing Education Hours
Licensees are required to complete 24 hours of continuing education every two years by the last day of their birth month. Continuing Education Compliance Date is the last date of the licensee’s birth month every two years.
Course Subject Requirements
- Ethics Requirement: Three hours for Producers and 1.5 hour for Service Representatives
- Flood Requirement: Resident Producers – Three-hour National Association of Investors Corporation (NAIC)-compliant Flood Training course on one time basis, if selling Flood Insurance
Long Term Care Requirement:
- Resident producers who sell long term care must have a one-time eight-hour NAIC-approved course and a four-hour renewal course for each renewal period thereafter
- Nonresident producers must take an eight-hour NAIC-approved course in their resident state in order to meet the Alabama requirement
License Renewal Date
License renewal date is the last day of the licensee’s birth month, biennially.
Types of Courses Accepted for CE Credit
- Independent self-study courses.
- Classroom study/seminar.
Self-study final exams are required to be monitored by a disinterested third party (i.e., someone with no business or family relationship to the student).
A maximum of 24 hours may be carried over to the next reporting period.
Courses may not be taken for credit more than once in each reporting period.
- Individuals who are at least 60 years of age and have been licensed continuously in Alabama for at least 15 years
- Individuals who are Chartered Life Underwriters (CLUs), Chartered Property Casualty Underwriters (CPCUs), Certified Insurance Counselors (CICs), Chartered Financial Consultants (ChFCs), Certified Financial Planners (CFPs), Registered Health Underwriters (RHUs), Registered Employee Benefits Consultants (REBCs), Certified Healthcare Collectors (CHCs), or Associates in Risk Management (ARMs)
- Individuals licensed only for lines of insurance for which a license exam is not required
- Individuals licensed only for automobile physical damage insurance, industrial fire (debit fire) insurance and/or physical damage coverage on household goods
- Insurance company officers who are not engaged in the active sale of products
- Individuals licensed less than one year at the time of the first CE compliance date are exempt for that first reporting period
For Additional Information Please Contact
Alabama Insurance Department
Agent’s Licensing Division
Suite 1700, 201 Monroe St.
Montgomery, AL 36104
Contact/Phone #(334) 241-4126
- Student will pay and enroll in the course.
- Student will answer security and validation questions throughout the course validating the identity of the student.
- Student will pass each lesson quiz before proceeding to the next lesson ensuring the mastery of the lesson.
- If the student fails the end of lesson quiz, the student will be forced to repeat the lesson till he/she passes the quiz.
- Upon the successful completion of the course, the student will be locked out of the final exam unless the student gets in touch with the proctor.
- The proctor will type in an encrypted code to unlock the final exam.
- At that point, student will be able to take a CLOSED BOOK final exam to ensure that the student does not cheat.
- Student will be allowed to take the final no more than three times.
- Upon successful completion, student completion date, time, and grades will posted on the online Compliance Management System (CMS).