Ala. Code § 27-16-11: Policy Provisions - Waiver, Etc., of Policy Terms or Conditions.

There shall be a provision that no agent shall have the power or authority to waive, change or alter any of the terms or conditions of any policy; except, that at the option of the insurer, the terms or conditions may be changed by an endorsement or rider signed by a duly authorized officer of the insurer.