AL Life & Health case studies
AL Life & Health · Put your knowledge to work in context.
The Alabama Life, Accident and Health producer license is the credential that authorizes an individual to solicit, negotiate, and sell life insurance and accident and health insurance products in Alabama. It is aimed at people entering insurance sales - career agents, brokers, agency staff, and financial services professionals adding an insurance line - who must demonstrate entry-level competence before the Alabama Department of Insurance issues a license. The AL Life & Health case studies are 5 cases and about 3,762 words.
1The Lapsed License and the Dinner Seminar
Denise is a life producer appointed with Summit Mutual. Her continuing-education deadline passed in March; her state license lapsed on April 1 and was reinstated May 15 after she completed 24 hours of CE.
748 words, about 4 min2The Cigar Question and Two Families
Marcus, 54, applies for a $750,000 20-year term policy. On the application he answers "no" to tobacco use in the past 12 months and lists his height and weight accurately; in conversation he mentions two cigars a month, which the agent does not transfer to the application.
778 words, about 4 min3Priya's Kitchen and the Ten-Year Lock-In
Priya, 71, owns a nonqualified deferred annuity purchased in 2012 for 180,000; it is now worth 310,000 with a 4% surrender charge that expires in 2026. She wants 60,000 for a kitchen remodel.
787 words, about 4 min4The Surgeon Who Still Operates Three Days a Week
Okafor, a 44-year-old oral surgeon, earns 26,000 a month from her practice. She owns an individual noncancelable disability policy with a 7,000 monthly benefit, a 90-day elimination period, a 5-year benefit period, an own-occupation definition, and a residual disability rider (a 20% loss threshold, with benefits proportional to lost income).
700 words, about 4 min5Hector's Card Arrives in the Mail
Hector turns 65 on August 3 and is still working full-time. His employer, a 120-employee engineering firm, covers him and his wife Rosa, 60, under its group health plan, and the drug coverage is certified as creditable.
749 words, about 4 min