Lines of Insurance

Accident and Health or Sickness (commonly known as Disability)

Disability insurance is insurance coverage for sickness, bodily injury, or accidental death and may include benefits for disability income.

Bail Bond

Bail Bond insurance is surety coverage for bail and is a form of bond given to guarantee that a person released from legal confinement will appear as required in court, or the penalty of the bond will be forfeited to the court.


Casualty insurance is insurance coverage against legal liability, including that for death, injury, or disability or damage to real or personal property, and surety.


Limited line credit insurance includes credit life, credit disability, credit property, credit unemployment, creditor-placed (also known as forced-placed), nonfiling, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed automobile protection (GAP), family and medical leave insurance, and any other form of insurance offered in connection with an extension of credit that is limited to partially or wholly extinguishing that credit obligation that the commissioner determines should be designated a form of limited line credit insurance.


Insurance providing protection against damage to crops from unfavorable weather conditions, fire, or lightning, flood, hail, insect infestation, disease or other yield-reducing conditions or peril provided by the private insurance market, or that is subsidized by the Federal Crop Insurance Corporation, including Multi-Peril Crop Insurance.

Dental Service

Dental service insurance is a health insurance contract providing payment for certain enumerated dental services. Producers for this line of authority must have and maintain authority for Accident and Health or Sickness (Disability) Insurance.

Legal Service

Legal service insurance is the assumption of a contractual obligation to pay for specific legal services or to reimburse for specific legal expenses, in consideration of a specified payment in advance for an interval of time.


Life insurance is insurance coverage on human lives including benefits of endowment and annuities, and may include benefits in the event of death or dismemberment by accident and benefits for disability income.

Motor Club

Motor club membership provides members with assistance in matters relating to the ownership, operation, use or maintenance of a motor vehicle.

Non-Resident Reciprocal-Surety Line of Authority (Effective July 2013)

Non-Resident Reciprocal-Surety Line of Authority is to be used only when applying for an initial non-resident producer license for a line of authority you hold in your home state but not used in Alabama (such as surety).

Personal Lines

Personal lines insurance is property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes.

Portable Electronics

Insurance providing coverage for the repair or replacement of portable electronics which may provide coverage for portable electronics against any one or more of the following causes of loss: Loss, theft, inoperability due to mechanical failure, malfunction, damage, or other similar cause of loss. Does not include Service Contract governed by Chapter 32 of Title 8, a policy of insurance covering a seller’s or a manufacturer’s obligations under a warranty; a homeowner’s, renters, private passenger automobile, commercial multi-peril, or similar policy.


Property insurance is insurance coverage for the direct or consequential loss or damage to property of every kind.

Rental Vehicle

Rental vehicle insurance is personal accident insurance, liability insurance, personal effects insurance, roadside assistance and emergency sickness protection programs, and any other travel or auto-related coverage offered by a rental company in connection with and incidental to the rental of vehicles.


Insurance coverage for trip cancellation, trip interruptions, baggage, life, sickness and accident, disability and personal effects when limited to a specific trip and sold in connection with transportation provided by a common carrier.

Variable Life & Variable Annuity

Variable life and variable annuity is insurance coverage provided under variable life insurance contracts and variable annuities, which are contracts under which obligations are assumed with respect to periodic payments for a specific term, or terms, or where the making or continuation of all or of some such payments or the amount of any such payment is dependent upon the continuation of human life.