Service Representative (Resident/Non-Resident) Requirements

A natural person, other than an officer, manager or managing general agent of the insurer, employed on salary by an insurer or managing general agent to work for, with or through producers in soliciting, negotiating and effectuating insurance for the insurer or for the insurers represented by the managing general agent. Ala. Code § 27-7.5.


  • Must be at least 18 years of age.
  • Must not have committed any act that is a ground for denial, suspension, or revocation of license, as follows:
    • Providing incorrect, misleading, incomplete, or materially untrue information in any application or in any communication to the commissioner.
    • Obtaining or attempting to obtain a license through misrepresentation or fraud.
    • Intentionally misrepresenting the terms of any actual or proposed insurance contract or application for insurance.
    • Having admitted or been found to have committed any insurance unfair trade practice or fraud.
    • For inducing, persuading, or advising any policyholder to surrender or cause to be cancelled any policy of insurance issued to the policyholder by any authorized insurer in exchange for a policy offered by the licensee where the surrender or cancellation shall proximately result to the financial detriment of such policyholder, unless the policyholder shall have been fully advised of that fact by the licensee.
    • Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility in the conduct of business under a license in this state or elsewhere.
    • Improperly withholding, misappropriating, or converting any monies or properties belonging to the insurers, insureds, or others received by the licensee in the exercise of his or her license.
    • Violating insurance laws or violating any valid order, subpoena, rule, or regulation, issued by the commissioner or issued by another state's insurance commissioner.
    • Having been convicted of a felony.
    • Having an insurance producer license, or its equivalent, denied, suspended, or revoked in any other state, province, district, or territory.
    • Forging another's name to an application for insurance or to any document related to an insurance transaction.
    • Improperly using notes or any other reference material to complete an examination for an insurance license.
    • Knowingly accepting insurance business from an individual who is not licensed.
    • Failing to comply with an administrative or court order imposing a child support obligation.
    • Failing to pay state income tax or failing to comply with any administrative or court order directing payment of state income tax.
  • For individuals who meet the Military Family Jobs Opportunity under Regulation 165, please click here for further information.

Must complete a prelicensing course of study for the lines of authority for which the person is applying consisting of 20 classroom hours per line of authority, or equivalent of individual instruction, on the general principles of insurance for that line of authority. No written examination is required.

A service representative must be employed on salary or at an hourly rate by an insurer, a managing general agent, or a captive producer.



Individual Service Representatives renew their license biennially based on their BIRTH MONTH whether the individual was born in an EVEN or ODD year.


TOTAL INITIAL LICENSE FEE (per insurer) - $70.00
Biennial License Renewal Fee - $70.00
Late Fee - $50.00
Appointment Renewal Fee - $40.00