Ala. Code
Code of Alabama

Ala. Code § 27-3-27 (2026)

Insurers to Do Business through Licensed Agents, Etc.; Exceptions.

✓ official Alabama Legislature (ALISON) text, current July 2026
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(a) No insurer shall, in this state, directly or indirectly, accept applications for insurance, negotiate for or issue any policy or contract of insurance or assume direct liability as to a subject of insurance resident, located, or to be performed in this state unless through insurance producers duly licensed under the provisions of this title.

(b) This section shall not apply to title insurance or insurance of the rolling stock, vessels, or aircraft of any common carrier in interstate or foreign commerce or covering any liability or other risks incident to the ownership, maintenance, or operation thereof. This section shall not apply as to life or disability insurance not delivered or issued for delivery in this state and lawfully solicited outside this state.

(Acts 1936-37, Ex. Sess., No. 224, p. 267; Code 1940, T. 28, § 66; Acts 1971, No. 407, p. 707, § 72; Act 2001-702, p. 1509, § 15.)

Notes of Decisions
Cited in 2 cases, 1993–1999 · leading case: Am. Bankers Life Assurance Co. of Florida v. City of Birmingham, 632 So. 2d 450 (Ala. 1993).
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Am. Bankers Life Assurance Co. of Florida v. City of Birmingham, 632 So. 2d 450 (Ala. 1993). · cites it 2× “Further, as stated above, during the period in question, there were approximately 30 persons registered with the State of Alabama Insurance Commission as agents for American Bankers in the Birmingham area, under Ala.Code 1975, § 27-3-27. Although a representative of American…”
Leonard v. Enter. Rent a Car Co., 38 F. Supp. 2d 982 (M.D. Ala. 1999). “In other words, the plaintiffs have failed to demonstrate that a private right of action exists under the Alabama Insurance Code because there is no evidence, much less “clear and specific evidence”, that the Alabama Legislature intended to create a private right of action for…”
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