Alabama Life & Health Pre-License 40 Hr Package

$79.00

40 Hour Course


Add to Cart (877) 724-6150

This 40 hour course satisfies the state of Alabama's education requirements for Life and Health Insurance.

Before getting into Health Insurance, you'll begin this course with the basics in our General Insurance class. This covers topics such as what insurance is, the nature of agency, and the relationship between insurance producers and insurance agents. You'll also learn about contracts, starting with contract law in general, and then diving into the specifics of insurance contracts. Then you'll learn about the process of applying for and delivering a policy.

Our Insurance Ethics class covers the important issue of ethics: what they are, why they matter, and the ethical duties of an insurance agent. We'll cover some ethical situations you may encounter as an insurance agent, and how the law and the Insurance Industry Code of Ethics direct us to behave.

The Introduction to Health Insurance class will start by defining and explaining important terms, such as perils, losses, benefits, and premiums. We'll cover the classes of health insurance, exclusions from coverage, and your responsibility to clients as an insurance producer. The class also covers HIPAA and other related legislation.

We'll explore general and uniform provisions you'll need to know, before moving on to Disability topics. These include different types of disability coverage and their qualifications. Group policies, Social Security disability, and Worker's Compensation are also covered.

Then we'll tackle Medical Plans, which includes types of providers and cost containment. Our Group Health class covers the types of groups which are eligible, and situations such as loss of coverage and COBRA coverage. We'll also talk about the regulations that apply to advertising group health insurance. In our class on Dental insurance, you'll learn about categories of dental treatment and the different ways that deductibles can be applied.

Medicare parts A-D are covered in detail in our Medicare class, including requirements, exclusions and MediGap. Then you'll learn about Long Term Care, including who is eligible and what types of care exist. We'll also cover policy replacement procedures and what qualified plans are. Next we'll tackle Federal Tax considerations that your clients may be concerned about, as well as Regulations that apply to Health Insurance (both federal and state).

The second part of the course focuses on life insurance. We'll discuss the different types of life insurance policies you'll need to know in order to advise your clients on which ones meet their needs. This includes whole life, term life, group life, credit life, and flexible and specialized policies. In our Standard Policy Provisions class, we'll tell you what policies and provisions are generally included in life insurance contracts. You'll learn about options, riders, and beneficiaries.

The Annuities class in this course will examine the principles and concepts that apply to annuities. Then it will cover the benefit, payment options and products they offer, and the ways in which annuities can be used.

After learning some more fundamental concepts, you'll go through the Producer Responsibilities in Marketing, which covers how to help clients compare and evaluate policies so you can make the sale. You'll also take a short class on Tax Considerations, which will allow you to answer client questions about how their insurance affects their taxes. We'll also explore Qualified Plans, how they function, and how they affect a clients' taxes.

Our last classes in this course will cover how variable life insurance and and variable annuities are regulated as securities, and both state and federal insurance regulations that you need to know.

This course includes two quizzes and a final exam for Life Insurance topics, and two quizzes and a final exam for Health insurance topics, to help you study and review what you've learned in preparation for your state exam!

Take the first step to become a Life & Health Producer, At Your Pace Online!

  • General Insurance (Health & Life)
    • General Insurance Concepts [22 Activities]
      • 01. Introduction to General Concepts (Video)
      • 02. What is Insurance
      • 03. Risk and Risk Management
      • 04. Risk Management Techniques
      • 05. Insurers (Video)
      • 06. Insurers - Part 1
      • 07. Financial Status (Video)
      • 08. Insurers - Part 2: Financial Status
      • View Additional Activities
        • 09. Producers and Agency Relationship (Video)
        • 10. Producers and Agency Relationships - Part 1
        • 11. Producers and Agency Relationships - Part 2: Creation of an Agency Relationship
        • 12. Producers and Agency Relationship - Part 3: Authority, Powers, and Responsibilities of Producers
        • 13. Contracts (Video)
        • 14. Contracts - Part 1
        • 15. Contracts - Part 2: Elements of a Legal Contract
        • 16. Contracts - Part 3: Distinct Characteristics of an Insurance Contract
        • 17. Contracts - Part 4: Legal Interpretations Affecting Contracts
        • 18. Completing the Application, Underwriting, and Delivering the Policy (Video)
        • 19. Completing the Application, Underwriting, and Delivering the Policy - Part 1
        • 20. Completing the Application, Underwriting, and Delivering the Policy - Part 2
        • 21. Completing the Application, Underwriting, and Delivering the Policy - Part 3
        • 22. Conclusion (Video)
  • Insurance Ethics (Health & Life)
    • Insurance Ethics [22 Activities]
      • 01. Introduction (Video)
      • 02. What is Ethics?
      • 03. Ethical Concepts and Terminology
      • 04. Why Ethics Matter (Video)
      • 05. Why Ethics Matter
      • 06. Duties of an Insurance Producer (Video)
      • 07. Ethical Duties - Part 1
      • 08. Ethical Duties - Part 2
      • View Additional Activities
        • 09. Ethical Duties - Part 3
        • 10. Ethical Situations (Video)
        • 11. Ethical Situations
        • 12. Laws Governing Ethics (Video)
        • 13. Laws Governing Ethical Conduct - Part 1
        • 14. Laws Governing Ethical Conduct - Part 2
        • 15. Laws Governing Ethical Conduct - Part 3
        • 16. Insurance Industry Codes of Ethics (Video)
        • 17. Insurance Industry Code of Ethics - Part 1
        • 18. Insurance Industry Code of Ethics - Part 2
        • 19. Insurance Industry Code of Ethics - Part 3
        • 20. Insurance Industry Code of Ethics - Part 4
        • 21. Insurance Industry Code of Ethics - Part 5
        • 22. Conclusion (Video)
  • Introduction to Health Insurance (Health)
    • Introduction to Health Insurance [22 Activities]
      • 01. Introduction to Health Insurance (Video)
      • 02. Definitions
      • 03. Types of Perils
      • 04. Policyholders' Bill of Rights
      • 05. Use of Health Insurance
      • 06. Principal Types of Losses and Benefits
      • 07. Classes of Health Insurance Policies: Part 1
      • 08. Classes of Health Insurance (Video)
      • View Additional Activities
        • 09. Classes of Health Insurance Policies: Part 2
        • 10. Premiums
        • 11. Health Insurance Portability and Accountability Act of 1997 (HIPAA)
        • 12. PPACA/ACA (Patient Protection and Affordable Care Act/Affordable Care Act)
        • 13. Common Exclusions from Coverage
        • 14. Other Insurance Concepts
        • 15. Producer Responsibilities (Video)
        • 16. Producer Responsibilities in Individual Health Insurance Marketing Requirements: Part 1
        • 17. Producer Responsibilities: Part 2 (Video)
        • 18. Producer Responsibilities in Individual Health Insurance Marketing Requirements: Part 2
        • 19. Individual Underwriting By the Insurer
        • 20. Your Responsibilities Towards Applicants or Insureds (Video)
        • 21. Considerations in Replacing Accident and Health
        • 22. Conclusion (Video)
  • General Provisions (Health)
    • General Provisions [7 Activities]
      • 01. Introduction (Video)
      • 02. Uniform Policy Provisions
      • 03. Other General Provisions (Video)
      • 04. Other General Provisions: Part 1
      • 05. Other General Provisions: Part 2
      • 06. Riders
      • 07. Conclusion (Video)
  • Disability (Health)
    • Disability [19 Activities]
      • 01. Introduction to Disability (Video)
      • 02. Statistics
      • 03. Definitions of Disability (Video)
      • 04. Definitions: Part 1
      • 05. Definitions: Part 2
      • 06. Qualifying for Disability Benefits (Video)
      • 07. Qualifying for Disability Benefits
      • 08. Different Types of Disability Coverage (Video)
      • View Additional Activities
        • 09. Different Types of Disability Coverage
        • 10. Group and Individual Disability Income Insurance (Video)
        • 11. Group and Individual Disability Income Insurance
        • 12. Group and Individual Disability Income Insurance - Part 2
        • 13. Unique Aspects of Disability Underwriting (Video)
        • 14. Unique Aspects of Disability Underwriting
        • 15. Social Security Disability (Video)
        • 16. Social Security Disability
        • 17. Workers' Compensation (Video)
        • 18. Workers' Compensation
        • 19. Conclusion (Video)
  • Medical Plans (Health)
    • Medical Plans [7 Activities]
      • 01. Introduction to Medical Plans (Video)
      • 02. Medical Plan Concepts
      • 03. Types of Providers and Plans (Video)
      • 04. Types of Providers and Plans
      • 05. Cost Containment in Health Care Delivery (Video)
      • 06. Cost Containment in Health Care Delivery
      • 07. Conclusion (Video)
  • Group Health (Health)
    • Group Health [12 Activities]
      • 01. Introduction (Video)
      • 02. Introduction
      • 03. Types of Eligible Groups
      • 04. Group Benefits Review (Video)
      • 05. Advertising Group Health Insurance
      • 06. Employer Group Health Insurance
      • 07. Group Insurance Eligibility (Video)
      • 08. Loss of Coverage / Coverage Continuation / Changing Coverage
      • View Additional Activities
        • 09. COBRA Coverage (Video)
        • 10. Small Employer Medical Plans
        • 11. Other Types of Supplementary Group Coverage
        • 12. Conclusion (Video)
  • Midpoint Quiz (Health)
    • Midpoint Quiz (50 questions)
  • Dental (Health)
    • Dental [5 Activities]
      • 01. Introduction (Video)
      • 02. Categories of Dental Treatment
      • 03. Indemnity Plans
      • 04. Employer Group Dental Expense
      • 05. Conclusion (Video)
  • Medicare (Health)
    • Medicare [25 Activities]
      • 01. History of Medicare (Video)
      • 02. Medicare - An Overview: Part 1
      • 03. Medicare - An Overview: Part 2
      • 04. Medicare Part A: Individual Eligibility Requirements (Video)
      • 05. Medicare Part A - In Detail
      • 06. Medicare Part A - Part 2
      • 07. Medicare Part A - Part 3
      • 08. Medicare Part A - Part 4
      • View Additional Activities
        • 09. Medicare Part B (Video)
        • 10. Medicare Part B - In Detail
        • 11. Medicare Part B - Part 2
        • 12. Medicare Part B - Part 3
        • 13. Medicare Part B - Part 4
        • 14. Medicare Part B - Part 5
        • 15. Part A and Part B Exclusions
        • 16. Medicare C & D (Video)
        • 17. Medicare Parts C & D - In Detail
        • 18. Medicare Parts C & D - Part 2
        • 19. Medicare Parts C & D - Part 3
        • 20. Medigap (Video)
        • 21. Medicare Supplements & MediGap
        • 22. Medicare Conclusion (Video)
        • 23. Other Options
        • 24. Other Options - Part 2
        • 25. Conclusion (Video)
  • Long Term Care (Health)
    • Long Term Care [11 Activities]
      • 01. Introduction (Video)
      • 02. Types of Policies and Elimination and Benefit Periods
      • 03. Eligibility for Benefits
      • 04. Levels and Types of Care
      • 05. Benefits and Options
      • 06. Exclusions
      • 07. Suitability
      • 08. Long Term Care, Medicare, and Medicaid Compared
      • View Additional Activities
        • 09. LTC Policy Replacement
        • 10. Qualified LTC Plans
        • 11. Conclusion (Video)
  • Tax Considerations (Health)
    • Federal Tax Considerations [8 Activities]
      • 01. Introduction (Video)
      • 02. Personally-Owned Health Insurance
      • 03. Employer Group Health Insurance
      • 04. Medical Expense Coverage for Sole Proprietors and Partners
      • 05. Business Disability Insurance
      • 06. Health Savings Accounts and Other Tax-Favored Health Plans (Video)
      • 07. Health Savings Accounts and Other Tax-Favored Health Plans
      • 08. Conclusion (Video)
  • Regulations Covering Health Insurance (Health)
    • Federal Regulations Covering Health Insurance [14 Activities]
      • 01. Introduction (Video)
      • 02. Federal Regulations Governing Health Insurance: Part 1
      • 03. Federal Regulations Governing Health Insurance: Part 2
      • 04. Federal Regulations Governing Health Insurance: Part 3
      • 05. Patient Protection and Affordable Care Act (Video)
      • 06. Federal Regulations Governing Health Insurance: Part 4
      • 07. Affordable Care Act: Changes to Underwriting (Video)
      • 08. Federal Regulations Governing Health Insurance: Part 5
      • View Additional Activities
        • 09. Federal Regulations Governing Health Insurance: Part 6
        • 10. Federal Regulations Governing Health Insurance: Part 7
        • 11. Fines, Penalties, Subsidies, and Tax Credits (Video)
        • 12. Federal Regulations Governing Health Insurance: Part 8
        • 13. Federal Regulations Governing Health Insurance: Part 9
        • 14. Conclusion (Video)
    • Alabama Regulations Governing all Lines of Insurance [13 Activities]
      • 01. Introduction (video)
      • 02. Compliance and Penalties
      • 03. Insurance Commissioner
      • 04. Authorized Companies
      • 05. Obtaining a Producer's License
      • 06. Obtaining a Producer's License - Part 2
      • 07. Maintaining a Producer's License
      • 08. Continuing Education
      • View Additional Activities
        • 09. Producer Appointment and Termination
        • 10. Unfair Trade Practices Law
        • 11. Other Prohibited Actions
        • 12. Domestic Abuse Protection Act
        • 13. Conclusion (video)
    • Alabama Regulations Governing Health Insurance [32 Activities]
      • 01. Individual Accident and Health Policies
      • 02. Required Benefits
      • 03. Health Maintenance Organizations
      • 04. Health Maintenance Organizations - Part 2
      • 05. Alabama Health Insurance Plan
      • 06. Alabama Health Insurance Plan - Part 2
      • 07. General Accident and Health Plan Provisions
      • 08. Medicare Supplement Insurance
      • View Additional Activities
        • 09. Medicare Supplement Insurance - Part 2
        • 10. Medicare Supplement Insurance - Part 3
        • 11. Medicare Supplement Insurance - Part 4
        • 12. Medicare Supplement Insurance - Part 5
        • 13. Medicare Supplement Insurance - Part 6
        • 14.Medicare Supplement Insurance - Part 7
        • 15. Medicare Supplement Insurance - Part 8
        • 16. Medicare Supplement Insurance - Part 9
        • 17. Medicare Supplement Insurance - Part 10
        • 18. Medicare Supplement Insurance - Part 11
        • 19. Medicare Supplement Insurance - Part 12
        • 20. Medicare Supplement Insurance - Part 13
        • 21. Long Term Care Insurance
        • 22. Long Term Care Insurance - Part 2
        • 23. Long Term Care Insurance - Part 3
        • 24. Long Term Care Insurance - Part 4
        • 25. Long Term Care Insurance - Part 5
        • 26. Long Term Care Insurance - Part 6
        • 27. Long Term Care Insurance - Part 7
        • 28. Long Term Care Insurance - Part 8
        • 29. Long Term Care Insurance - Part 9
        • 30. Long Term Care Insurance - Part 10
        • 31. Long Term Care Insurance - Part 11
        • 32. Long Term Care insurance - Part 12
  • Endpoint Quiz (Health)
    • Endpoint Quiz (50 questions)
  • Final Test (Health)
    • Final Test - Health (100 questions)
  • Course Completion (Health)
    • Certificate of Completion
  • Life Insurance Policy Types (Life)
    • Life Insurance Policy Types [14 Activities]
      • 01. Introduction (Video)
      • 02. Life Insurance Basics
      • 03. Policy Descriptions in Brief
      • 04. Whole Life Insurance and Term Life Insurance (Video)
      • 05. Individual Policies in Detail - Part 1: Whole Life Insurance
      • 06. Individual Policies in Detail - Part 2: Term Life Insurance
      • 07. Flexible Policies and Specialized Policies (Video)
      • 08. Individual Policies in Detail - Part 3: Flexible Policies
      • View Additional Activities
        • 09. Individual Policies in Detail - Part 4: Specialized Policies
        • 10. Individual Policies in Detail - Part 5: Endowment Policies
        • 11. Group Life Insurance and Credit Life Insurance (Video)
        • 12. Group Policies in Detail
        • 13. Credit Life Insurance
        • 14. Conclusion (Video)
  • Standard Policy Provisions (Life)
    • Standard Policy Provisions [17 Activities]
      • 01. Introduction (Video)
      • 02. Standard Policy Provisions - Part 1
      • 03. Standard Policy Provisions - Part 2
      • 04. Beneficiaries (Video)
      • 05. Standard Policy Provisions - Part 3
      • 06. Standard Policy Provisions - Part 4
      • 07. Options (Video)
      • 08. Options - Part 1
      • View Additional Activities
        • 09. Options - Part 2
        • 10. Options - Part 3
        • 11. Riders - Part 1 (Video)
        • 12. Riders - Part 1
        • 13. Riders - Parts 2-4 (Video)
        • 14. Riders - Part 2
        • 15. Riders - Part 3
        • 16. Riders - Part 4
        • 17. Conclusion (Video)
  • Annuities (Life)
    • Annuities [10 Activities]
      • 01. Introduction (Video)
      • 02. Annuity Principles and Concepts
      • 03. Immediate versus Deferred Annuities
      • 04. Annuity (Benefit) Payment Options (Video)
      • 05. Annuity (Benefit) Payment Options
      • 06. Annuity Products (Video)
      • 07. Annuity Products
      • 08. Uses of Annuities (Video)
      • 09. Uses of Annuities
      • 10. Conclusion (Video)
  • Midpoint Quiz (Life)
    • Mid-Point Quiz (56 questions)
  • Fundamental Concepts (Life)
    • Fundamental Concepts [8 Activities]
      • 01. Introduction (Video)
      • 02. Uses of Life Insurance (Video)
      • 03. Uses for Life Insurance - Part 1
      • 04. Uses for Life Insurance - Part 2
      • 05. Aspects of Life Insurance
      • 06. Individual Underwriting by the Insurer (Video)
      • 07. Individual Underwriting by the Insurer
      • 08. Conclusion (Video)
  • Producer Responsibilities (Life)
    • Producer Responsibilities in Marketing [9 Activities]
      • 01. Introduction (Video)
      • 02. Solicitation and Sales Presentations
      • 03. Suitability
      • 04. Life Insurance Policy Comparison Methods (Video)
      • 05. Life Insurance Policy Cost Comparison Methods
      • 06. Replacement
      • 07. Use and Disclosure of Insurance Information
      • 08. Military Sales
      • 09. Conclusion (Video)
  • Tax Considerations (Life)
    • Federal Tax Considerations for Life Insurance and Annuities [8 Activities]
      • 01. Introduction (Video)
      • 02. Taxation of Personal Life Insurance
      • 03. Taxation of Group Life Insurance
      • 04. Taxation of Non-Qualified Annuities (Video)
      • 05. Taxation of Non-Qualified Annuities
      • 06. Taxation of Individual Retirement Annuities (Video)
      • 07. Taxation of Individual Retirement Annuities (IRAs)
      • 08. Conclusion (Video)
  • Qualified Plans and Retirement (Life)
    • Qualified Plans and Retirement [12 Activities]
      • 01. Introduction (Video)
      • 02. Qualified Plans - Part 1
      • 03. Qualified Plans - Part 2: Plan Types, Characteristics, and Purchasers
      • 04. Federal Tax Considerations for Qualified Plans (Video)
      • 05. Qualified Plans - Part 3: Federal Tax Considerations for Qualified Plans
      • 06. Rollovers, Transfers, and 1035 Exchanges (Video)
      • 07. Rollovers and Transfers
      • 08. Section 1035 Exchanges
      • View Additional Activities
        • 09. Social Security Benefits
        • 10. Employee Retirement Income Security Act (Video)
        • 11. Employee Retirement Income Security Act (ERISA)
        • 12. Conclusion (Video)
  • Life Insurance and Securities (Life)
    • Life Insurance and Securities [4 Activities]
      • 01. Introduction (Video)
      • 02. Dodd-Frank
      • 03. Variable Life Insurance and Annuities as Securities
      • 04. Conclusion (Video)
  • Insurance Regulations (Life)
    • Federal Insurance Regulations [4 Activities]
      • 01. Introduction (Video)
      • 02. Federal Regulations (Video)
      • 03. Federal Regulations
      • 04. Federal Financial Regulations
    • Alabama Regulations Governing all Lines of Insurance [13 Activities]
      • 01. Introduction (video)
      • 02. Compliance and Penalties
      • 03. Insurance Commissioner
      • 04. Authorized Companies
      • 05. Obtaining a Producer's License
      • 06. Obtaining a Producer's License - Part 2
      • 07. Maintaining a Producer's License
      • 08. Continuing Education
      • View Additional Activities
        • 09. Producer Appointment and Termination
        • 10. Unfair Trade Practices Law
        • 11. Other Prohibited Actions
        • 12. Domestic Abuse Protection Act
        • 13. Conclusion (video)
    • Alabama Regulations Governing Life Insurance [24 Activities]
      • 01. Filing and Approval of Policies
      • 02. Required Provisions
      • 03. Industrial Life Provisions
      • 04. Non-Forfeiture Laws
      • 05. Non-Forfeiture Laws - Part 2
      • 06. Advertising
      • 07. Advertising - Part 2
      • 08. Advertising - Part 3
      • View Additional Activities
        • 09. Discrimination
        • 10. Life Insurance Disclosure
        • 11. Alterations and Representations on the Application
        • 12. Life Insurance Illustrations
        • 13. Life Insurance Illustrations - Part 2
        • 14. Life Insurance Illustrations - Part 3
        • 15. Life Insurance and Annuities Replacement
        • 16. Life Insurance and Annuities Replacement - Part 2
        • 17. Life Insurance and Annuities Replacement - Part 3
        • 18. Suitability in Annuity Transactions
        • 19. Annuity Disclosures
        • 20. Minors and Insurance
        • 21. Alabama Life and Disability Guaranty Association
        • 22. Alabama Life and Disability Guaranty Association - Part 2
        • 23. Alabama Life and Disability Guaranty Association - Part 3
        • 24. Alabama LIfe and Disability Guaranty Association - Part 4
  • Endpoint Quiz (Life)
    • Endpoint Quiz (58 questions)
  • Final Exam (Life)
    • Final Test - Life (125 questions)
  • Course Completion (Life)
    • Mandatory Questionnaire
    • Certificate - Alabama Health Insurance Pre-License 20 Hr Course
    • Certificate - Certificate - Alabama Life Insurance Pre-License 20 Hr Course

Instructor Bio


keith haley insurance instructor atyourpaceonline
Keith Haley is the Online Insurance instructor and industry expert for At Your Pace Online. In addition to his insurance license, Keith holds a Bachelor's degree in Finance, Master's degree in Education, and is a Certified Financial Planner and licensed insurance producer. As an entrepreneur, over his career Keith has owned and managed businesses in a wide range of professions, including car sales, financial consultation, and insurance sales and management. With over twenty years of experience in business, sales, and education, Keith brings a broad range of practical and academic knowledge to our courses.