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Preneed Information


According to the terms of the Alabama Preneed Funeral and Cemetery Act (APFCA), persons selling a “preneed contract” for funeral services, funeral merchandise, cemetery merchandise, and cemetery services on and after May 1, 2002, must first obtain a certificate of authority from the Commissioner of Insurance. All individuals who offer preneed contracts to the public or who execute contracts on behalf of a certificate holder must be registered with the Commissioner as Preneed Sales Agents. All cemetery authorities charging fees for interment rights, except cemeteries owned or operated by governments and religious institutions, must fund and maintain an endowment care trust in accordance with the APFCA and file an annual endowment care report with the Commissioner within 90 days of the close of each calendar year.

Legislation and Regulations

  • Alabama Preneed Funeral and Cemetery Act
  • Amendments to the Alabama Preneed Funeral and Cemetery Act
  • Alabama Preneed Regulations:
    • No. 1 Accounting Requirements and Recordkeeping for Preneed Funeral and Cemetery Providers (Chapter 482-3-001) (PDF)  (Repealed effective January 1, 2015)
    • No. 2 Preneed Fees and Fines (Chapter 482-3-002) (PDF)
    • No. 3 Preneed Contracts and Certificates of Authority (Chapter 482-3-003) (PDF)  (Effective January 1, 2015)
    • No. 4 Preneed Contract Funding and Trusts (Chapter 482-3-004) (PDF)  (Effective January 1, 2015)
    • No. 5 Required Funeral and Cemetery Transaction Records (Chapter 482-3-005) (PDF)  (Effective January 1, 2015)
  • Alabama Insurance Regulation 131 – Life Insurance Disclosure Regulation (Chapter 482-1-131) (PDF)

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