Code of Alabama
Chapter 43 - Legal Expense Insurance.
Section 27-43-4 - Applicability of Chapter.

The insurance laws of this state, including this chapter, do not apply to:
(1) Retainer contracts made by attorneys-at-law with individual clients with fees based on estimates of the nature and amount of services to be provided to the specific client and similar contracts made with a group of clients involved in the same or closely related legal matters;
(2) Any lawyer referral services authorized by the State Bar of Alabama;
(3) The furnishing of legal assistance by labor unions and other employee organizations to their members in matters relating to employment or occupations;
(4) The furnishing of legal assistance to members and/or dependents by churches, cooperatives, educational institutions, credit unions, labor unions, or other organizations of employees, where such organizations contract with and pay directly a lawyer or law firm(s) for the provision of legal services, where the assistance is provided as an incident to membership and not on the basis of an optional fee or charge and the administration of such program of legal assistance is wholly conducted by the organization; and
(5) Employee welfare benefit plans to the extent that state laws are superseded by Section 514 of the Employee Retirement Income Security Act of 1974, provided evidence of exemption from state laws is shown to the department.

Structure Code of Alabama