Frequently Asked Questions

Explore our most commonly asked questions or click on a category to learn more.

  • How do I find or reset my password?

    If you can’t find your password or want to reset it, visit the login page and click on “Forgot Your Password?” In the next box, enter the email address associated with your course. You will receive an email with a link that will allow you to set a new password.

  • What is reciprocity?

    Reciprocity, or reciprocal licensing privileges, allows a licensed insurance agent or producer to obtain another state(s) license without having to pass that specific state’s exam. Thank goodness, right? Once you have your home state license, you can apply for other state licenses through reciprocity and then you are legally able to sell insurance in those states as well. It’s important to note that reciprocal licenses are only available for the same lines of authority. So, for example, you can’t hold a Personal Lines Producer license in one state, and then apply and receive an All Lines license in another.

    Reciprocity doesn’t happen automatically.  You must obtain your home state license first and it needs to be in good standing to qualify. Then you’ll need to complete the required paperwork and submit the licensing fees and you will need to register with NIPR for home state and nonresident state licenses.

  • What is an insurance agent vs. a broker vs. a producer?

    Insurance agent is the most common term used for individuals who sell insurance. An insurance agent represents and is paid by the insurance carrier. They are paid to sell insurance to consumers and become the link between the policyholder and the insurer. Insurance agents must be licensed in their state and most have to be appointed, as well.

     

    Insurance Brokers, on the other hand, are representatives of the insured. While they do still ‘sell’ insurance, brokers investigate insurance options from a host of different insurance carriers and make recommendations based on their clients’ needs. The broker reviews insurance options with the client and once a policy is chosen, the broker alerts the insurance agent to bind the coverage. The client, or policyholder, then sends a check for the policy amount and the broker commission to the insurance carrier. The carrier then receives the payment and pays the broker their commission from the client payment. The broker, therefore, is ultimately paid by the client.

     

    Insurance Producer is a relatively new term that isn’t used as much in the common vernacular, but is widely used within the industry itself. Producers encompasses anyone who sells, solicits, or negotiates insurance policies – meaning it refers to both insurance agents and insurance brokers.  

  • Why should I choose All-Lines Training?

    Our team is passionate about providing the best insurance training courses and online classroom experience in the industry. We started small, with just a few courses that focused on the insurance adjuster market. But after releasing adjuster courses for every state, we’re focused on taking our national solution to the producer market.

    We are committed to helping you succeed at every step of your insurance career. All-Lines Training has actually been a business for far longer than most people realize. We’ve offered our Florida courses under the AdjusterPro brand for years and now going to expand our All-Lines offerings to include all things agent!

    At All-Lines Training, we believe in serving our customers with transparency, honesty, and adhering to the Golden Rule, treating others as we would want to be treated.

    Building our company upon these principles, here are a few other ways we differentiate from the competition:

    • All-Lines Training is a part of AdjusterPro, the nation’s leading provider of adjuster licensing and training. AdjusterPro has been in business for over 10 years and has trained over 50,000 adjusters. We also serve 8 of the country’s top 10 insurance carriers.
    • Our simple, engaging online training was created to help you comprehend and retain information
    • Keeping your license compliant is simple with our convenient continuing education courses
    • You’ll receive honest answers from our dedicated (real-people) customer engagement team
    • 98.4% customer satisfaction rating

    Whether you are just starting to explore the insurance industry or a Fortune 500 company, All-Lines Training is here to help you reach your goals and achieve success.

  • Alabama Department of Insurance contact information

    Websitehttps://www.aldoi.gov/Licensing/ProducerReq.aspx

    Mailing Address:
    Alabama Department of Insurance
    PO Box 303351
    Montgomery, AL 36130

    Phone: 334-241-4126
    Fax: 334-241-4192
    EmailProducerlicensing@insurance.alabama.gov

  • What are the continuing education and renewal requirements for Alabama insurance agents?

    Resident insurance producers are required to complete 24 hours of continuing education (CE) every two years. The 24 hours must include at least 3 hours of Ethics. You cannot receive credit for any course more than once in a reporting period and any excess CE credits cannot be applied to the next compliance cycle.

    Producer Licenses are renewed biennially in accordance with their birth month. Renew your license through SBS Alabama.

    NOTE: A producer’s license expires when the license is not renewed in the producer’s birth month. There is a 30 day grace period following expiration, during which time the producer can renew with a $50.00 late fee plus the renewal fees

  • How do I get an Alabama insurance agent/producer license?

    To obtain your Alabama agent/producer license, complete the following steps:

    1. Meet the basic Alabama Producer License Requirements

    • Be at least 18 years old
    • Must not have committed any act that is a ground for denial, suspension, or revocation of license (see here for complete list)

    2. Complete the required Alabama Pre-licensing Course through All-Lines Training for the desired line of authority

    • Personal Lines: 40-hour course on personal lines insurance
    • Combined Property & Casualty – 20-hour course on Property & Casualty Insurance
    • Property – 20-hour course on Property Insurance
    • Casualty – 20-hour course on Casualty Insurance

    Alabama also licenses producers for Life, Accident & Health or Sickness (Disability),  Combined Life / Accident & Health or Sickness (Disability), Bail Bonds, and Variable Life and Variable Annuity but those lines of authority are not currently offered by All-Lines Training.

    3. Take the state exam through the University of Alabama. You may select which location you would like to take the exam or you can choose to use an online proctor and take the exam from your personal computer.

    4. Three to five days after receiving your course Certificate of Completion, submit your application through NIPR

    5. Submit Proof of Citizenship Documentation. Must be done within 10 days of submitting your application

    6. Process and submit Fingerprints through Gemalto

  • What are the fees to get a Florida 4-40 Customer Service Representative License?

    • Florida Customer Service Representative Course: $299
    • Initial Licensing and Application Fee: $50
    • License ID Fee: $5
    • Fingerprint Fee: $48.55
    • No renewal fee
  • How do I get a Florida Customer Service Representative (4-40) License?

    To obtain your Florida Customer Service Representative (4-40) license, complete the following steps:

    1. Meet the basic Florida Customer Service Representative (4-40) Licensing Requirements

      • Be a natural person at least 18 years of age
      • Be a resident of the State of Florida
      • Be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services

    2. Complete the required Florida Customer Service Representative Course with state exam through AdjusterPro

    3. Process and submit Fingerprints according to instructions at Florida Department of Financial Services (FLDFS) Fingerprinting Requirements

    4. Submit application through MyProfile
    Applicants concerned with criminal background questions on the application can view a list of Disqualifying Crimes provided by the state

    5. If required, submit Proof of Citizenship Documentation

    6. Check to see if your license has been issued by logging into MyProfile

    See complete licensing details, including nonresident information at FLDFS Licensing Information.

  • Florida Department of Financial Services contact information

    Website: https://www.myfloridacfo.com/Division/Agents/Licensure/

    Mailing Address:
    Florida Department of Financial Services
    Bureau of Licensing, Room 419
    200 East Gaines Street
    Tallahassee, FL 32399-0319

    Phone: 850-413-3137
    Email: agentlicensing@myfloridacfo.com

  • What are the Florida 4-40 license continuing education and renewal requirements?

    You must renew your Florida 4-40 License every two years. While there is no renewal fee, license-holders do need to complete 10 hours of continuing education every renewal period and submit proof to the state in order to stay compliant.

    The 10-hours of CE must consist of the 5-hour Florida Law and Ethics Update and an additional 5 hours of elective credits.

    AdjusterPro offers a state-approved 5-hr Florida Law & Ethics Update course, as well as a 4-40 License CE Package that will completely satisfy your CE requirements.

    To see complete details on the 4-40 license, visit the Florida Department of Insurance 4-40 Documents. You can also contact the department at (850) 413-3137 or agentlicensing@myfloridacfo.com.

  • Is there opportunity for career growth with a Florida 4-40 license?

    The simple answer: YES!

    Today, insurance is a part of every aspect of our lives. The industry is one of the largest in the world and employs millions of people in hundreds of different jobs and roles. No matter what your interest, there is likely a position in the insurance industry to suit your talents.

    On a smaller scale, the 4-40 License is a great way to break into this booming industry. Working as a customer rep will help you learn about the industry and insurance policies and give you real-world experience should you decide to become a full-fledged agent. Once you have taken our CIR Designation course and worked for 1 year as a licensed 4-40 rep, you qualify to apply for the 2-20 general agent license. In comparison, those who do not have their 4-40 license must take a 200-hour course and pass the state exam before applying.

  • What is the role of a licensed customer representative?

    As a customer rep, you’ll handle many of the day-to-day tasks for the agent or agency. You might discuss policies and coverages with customers, answer their questions, handle personal information of clients and potential clients, or make policy changes. Customer Reps can also sell insurance, as long as they are under the supervision of a licensed general agent. Other responsibilities include developing good relationships with policyholders, upselling coverage, and encouraging customers to refer friends and family.

    Customer Reps are often seen as the ‘face’ of the agency since they communicate with policyholders and would-be policyholders on a regular basis. They can have a huge impact on customer satisfaction and retention, (the main goal of any insurer) so they are incredibly important. Customer Reps can make commissions, however, commissions cannot total more than half of their annual pay.

  • Who needs a Florida 4-40 license?

    The 4-40 customer representative license is required to work for most insurance agents and agencies in Florida. It’s designed for salaried employees of insurance agencies, not agents or brokers who earn the majority of their pay from sales commissions. The 4-40 license allows you to make quotes, explain policies to clients, and provide valuable assistance to sales agents.

  • What is an ‘appointment’ in the insurance industry?

    Insurance carrier appointments are a form of authorization from an insurance company giving a person the authority to act on its behalf as an agent. Agents must be appointed by at least one insurance company in addition to being licensed by their state.

  • What’s the difference between a “captive” and an “independent” insurance agent?

    There are 2 basic types of insurance agents that you can work with when choosing your insurance coverage, or when pursuing a career as an agent: ‘Captive’ or ‘Independent’.

    Captive insurance agents sell policies for only one company. So Jake can only sell policies from State Farm and Flo can only offer you options from Progressive. Many large insurance carriers only utilize this type of agent. Captive agents are paid a salary as well as a commission for policies sold. Selling for only one carrier allows these agents to become very knowledgeable about their policies which can be a great advantage for the consumer. 

    On the flip side, your policy options are more limited since the agent can only present policies available through that one carrier. Independent insurance agents sell policies for multiple insurance companies and are paid a commission for policies sold. Consumers usually get more options to fit their budget and needs through an independent agent, but with so many policy options available, these agents may not be as knowledgeable about the ins and outs of every policy.

  • How do I maintain my license? What is continuing education (CE)?

    Most states require producers to pay a fee and submit some information to renew their license every two years. This can usually be done electronically through NIPR or Sircon, but some states use an internal system of their own.

    Additionally, most states also require producers to complete continuing education (CE) hours each renewal period. You can find the renewal information for your state by the All-Lines CE page for your state and scrolling down to the FAQ section. Details include how many hours are required in your state to renew your license and whether those credits need to contain a certain number of hours in a particular subject, like Ethics or Legislative Updates. 

    All-Lines Training is hard at work developing producer continuing education courses. Stay tuned!

  • Why should I choose All-Lines Training?

    Our team is passionate about providing the best insurance training courses and online classroom experience in the industry. We started small, with just a few courses that focused on the insurance adjuster market. But after releasing adjuster courses for every state, we’re focused on taking our national solution to the producer market.

    We are committed to helping you succeed at every step of your insurance career. All-Lines Training has actually been a business for far longer than most people realize. We’ve offered our Florida courses under the AdjusterPro brand for years and now going to expand our All-Lines offerings to include all things agent!

    At All-Lines Training, we believe in serving our customers with transparency, honesty, and adhering to the Golden Rule, treating others as we would want to be treated.

    Building our company upon these principles, here are a few other ways we differentiate from the competition:

    • All-Lines Training is a part of AdjusterPro, the nation’s leading provider of adjuster licensing and training. AdjusterPro has been in business for over 10 years and has trained over 50,000 adjusters. We also serve 8 of the country’s top 10 insurance carriers.
    • Our simple, engaging online training was created to help you comprehend and retain information
    • Keeping your license compliant is simple with our convenient continuing education courses
    • You’ll receive honest answers from our dedicated (real-people) customer engagement team
    • 98.4% customer satisfaction rating

    Whether you are just starting to explore the insurance industry or a Fortune 500 company, All-Lines Training is here to help you reach your goals and achieve success.

  • What is Quiz Builder?

    Quiz Builder is a study tool included in our courses. It lets you build custom quizzes using questions from any of the cumulative lesson quizzes throughout your course.

    Quiz Builder will automatically build a quiz made of all the questions you got wrong in the quizzes you select, but you can choose to include questions that you had previously answered correctly as well. The answers and feedback will be displayed each time you answer a question, or you have the option to hide the answers until the end of the quiz.

  • How many times can I take the practice exams?

    Our practice exams are set up to simulate the actual state exam. You can take the practice exams as many times as you would like.
    After completing a practice exam, you will have the option to Retake the Test, Review All Question Results, or Review All Unanswered Questions. If you want to review your results, you must do so before continuing to the next page in the course, since once you continue the practice exam will be reset.

    We recommend achieving a 90% on your practice exam before moving on to take your state exam.

  • Once I have completed the course, how do I schedule my State Exam?

    Every All-Lines course includes state-specific instructions for scheduling and taking your state exam. You can also find step-by-step instructions for getting your license (including how to register for the state exam) on your state page in the FAQ section at the bottom. 

    Students who complete our exam preparation courses will need to register to take the state exam through their state’s testing provider: either PSI, PearsonVue, or Prometric.

    Where required, our courses satisfy the state’s pre-licensing requirement. Your certificate of completion, available on your All-Lines Training dashboard, will need to be submitted before you register for and take the state exam through a test provider.

  • How do I find or reset my password?

    If you can’t find your password or want to reset it, visit the login page and click on “Forgot Your Password?” In the next box, enter the email address associated with your course. You will receive an email with a link that will allow you to set a new password.

  • Troubleshooting audio and video issues

    If you have problems with the audio in your course, we recommend that you check your internet connection and reset if necessary; clear your cache; and update your browser or try another browser.

    Additionally, check your speaker/headphone connection and your audio system preferences.

    If you have problems viewing a video in your course, we recommend that you check your internet connection and reset if necessary; clear your cache; and update your browser or try another browser.

    You may find this instruction helpful: http://wistia.com/doc/troubleshooting#playback

    Overall, it is a good idea to clear out your search history, cookies, and cache regularly. You can find instructions on how to clear your cache here.

  • Is internet access required?

    Yes, an internet connection is required to log in and view your online course. AdjusterPro courses offer a range of multimedia features, and we recommend that you have a good broadband or network connection for the best experience.

  • Preferred Browser

    Web Browsers

    We support the current and the previous major release of Chrome, Firefox, Safari, and Microsoft browsers. This currently includes Microsoft Edge and Internet Explorer. Each time a new browser version is released, we begin supporting that version and stop supporting the third most recent version.

    Mobile Browsers

    • Current and previous Android versions
    • Current and previous iOS versions
  • Do I need a special computer?

    No. But your course will perform best on a desktop or laptop computer that is less than 3 years old. Either a PC or a Mac will work well. While not a requirement, the course is best viewed using a minimum screen resolution of 1024 x 768.

  • Quien necesita la licencia 4-40?

    Esta licencia es requerida para trabajar en casi todas las agencias de aseguranza en la Florida. Es diseñada para trabajadores con salario fijono para agentes o agentes comerciales que ganan la mayoría de su sueldo con comisión de ventas. La licencia 4-40 le permite dar cuotas, explicar normas al cliente, y proveer importante asistencia al agente de ventas.

  • Cual es la parte de un Representante al Cliente?

    Como un representante al cliente, manejara muchas de las funciones de los agentes o de la agencia. Puede discutir las normas y coberturas con clientes, responder sus preguntas, estar encargado de información personal de clientes y clientes potenciales, o hacer cambios a normas. Representantes al cliente también pueden vender aseguranzas tal cuando estén supervisados por un agente licenciado. Otras responsabilidades de un representante al cliente incluye, mantener buenas relaciones con asegurados, vender coberturas adicionales, y animar a los clientes que refieran a familiares y amigos.

    Un representante al cliente es visto como la “cara” de una agencia ya que son ellos quien interactúan con asegurados y con asegurados potenciales todos los días. Pueden tener un impacto enorme en la satisfacción y retención de un cliente (cual es la meta de cualquier aseguranza) por eso son muy importantes. Representantes al cliente también pueden ganar comisiones  siempre y cuando las comisiones no excedan más de la mitad de un sueldo anual.

  • Cual es el proceso para aplicar para la licencia 4-40?

    Para aplicar para su licencia 4-40, primero tiene que completar un curso requerido y pre-aprobado por el estado, usualmente referido como “designación.” Nuestro curso de designación es titulado CIR cual significa Representante al Cliente de Aseguranza.

    Ya que complete su curso, estará listo para aplicar para su licencia 4-40.

  • Cuánto cuesta para aplicar para la licencia 4-40?

    Ya que complete nuestro curso de Representante al Cliente 4-40 de la Florida, y apruebe el examen incluido, tendrá que pagar las próximas cuotas:

    • Cuota de la licencia y el proceso: $50
    • Numero de licencia: $5
    • Proceso de huellas: $48.55
  • Hay posibilidades de crecimiento con la licencia 4-40?

    La respuesta simple: SI!

    Hoy en dia, aseguranza está en cada aspecto de nuestras vidas. La industria es una de las más grandes en el mundo y emplea millones de personas en cientos de trabajos y partes. No importa cual sea su interés, es muy probable que hay una posición en la industria que le convenga a sus talentos.

    En la escala más pequeña, la licencia 4-40 es una buena forma de entrar en esta industria retumbante. Trabajando como un representante al cliente podrá aprender más sobre la industria y las normas de las aseguranzas y experiencia si quisiera ser un agente de tiempo completo. Ya que complete su curso y haya trabajado como un representante al cliente con su licencia 4-40 por un año, califica para aplicar para la licencia 2-20 agente licenciado general. En comparación, alguien que no tenga su licencia 4-40 tiene que tomar un curso de 200-horas y aprobar el examen de el estado antes de aplicar.

  • Cuales son los cursos de estudios continuos y requisitos para renovar la licencia 4-40?

    La licencia 4-40 debe ser renovada cada 2 años. Mientras no hay una cuota para renovar su licencia, cada persona con esta licencia tiene que tomar y completar un curso de 10 horas y procesarlo con el estado para permanecer en norma.

    Las 10 horas de educación continua deben de consistir en 5-horas de reglas y éticas renovadas de la Florida y 5 horas adicionales de créditos electivos.

    Nosotros actualmente no ofrecemos los cursos de educación continua para la licencia 4-40 de la Florida.

    Para ver los detalles completos de como renovar su licencia y buscar cursos aprobados, puede visitar la página de finanzas de la Florida Florida Department of Insurance 4-40 Website Page. También puede llamar al departamento al (850) 413-3137 o escribir a  agentlicensing@myfloridacfo.com.

    Todavía tiene preguntas?

    Nos puede llamar al 469-314-2472 o a nuestra representante bilingüe en español al (214) 385-2010 también nos puede escribir a info@alllinestraining.com

    Es nuestro placer ayudarle!