Alabama Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the 24)
Issued by
AL Department of Insurance
Alabama runs a standard 24-hour, two-year cycle with 3 hours of ethics built in. The detail that catches producers off guard is the lack of a safety net: Alabama does not let you carry excess hours forward, so anything you over-earn in one cycle is simply lost when the next one starts.
The Alabama Department of Insurance (ALDOI) oversees producer licensing. Your compliance period ends on the last day of your birth month, and whether you renew in an odd or even year depends on your birth year - so your real deadline is personal, not a fixed calendar date.
The base requirement: 24 hours, 3 of them ethics
ALDOI requires resident producers to complete 24 hours of approved continuing education per two-year license term, of which at least 3 hours must be ethics. The ethics hours count within the 24, not on top of it. Service representatives have a lighter load - 12 hours including 2 of ethics - but the standard producer requirement is the 24/3 structure.
No carryover, no repeats
- Since January 1, 2013, excess credit hours do not carry into the next reporting period - any surplus is lost, so there is no benefit to overshooting.
- You cannot take the same course for credit more than once within a two-year license term.
- Producers selling long-term care must complete an 8-hour initial LTC training, then a 4-hour ongoing LTC course each two-year term after that.
- Nonresident producers who satisfy their home state's CE are deemed compliant in Alabama.
Stop tracking this in a spreadsheet
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Start tracking — freeWhen is your deadline?
Your license term ends on the last day of your birth month, every two years. Producers born in an even year renew in even years; those born in an odd year renew in odd years. Because Alabama offers no carryover cushion, finishing your hours - and confirming providers have reported them - well before that birth-month deadline is the only way to avoid a last-minute scramble.
How CredTally keeps this on autopilot
- Track 24 hours with a dedicated 3-hour ethics bucket - the dashboard shows progress on each requirement separately, so a short ethics count is impossible to miss.
- Multi-state producers: every license gets its own card, deadline, and reminders, so Alabama's birth-month cycle never collides with another state's clock.
- Snap and store every certificate with the course it proves, so ALDOI reviews are a download, not a hunt - especially important when no carryover means each cycle stands alone.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Alabama insurance producers need?
Twenty-four hours of approved continuing education every two-year license term, including at least 3 hours of ethics, for resident producers.
Can I carry over extra CE hours in Alabama?
No. Since January 1, 2013, excess credit hours cannot be carried into the next reporting period - any surplus is lost, so there is no advantage to over-earning.
When is Alabama insurance CE due?
By the last day of your birth month, every two years. Producers born in an even year renew in even years, and those born in an odd year renew in odd years.
Do ethics hours count toward the 24 in Alabama?
Yes - the 3 required ethics hours are part of the 24 total, not in addition to it.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
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