North Carolina Life & Accident Health Insurance Practice Exams
NC requires separate exams for Life and Accident & Health — each 55 scored questions, 1 hr 15 min, 70% to pass. Practice both below.
🌟 Life Insurance Exam
Covers types of life insurance, annuities, policy provisions, and North Carolina statutes pertinent to life — G.S. Chapter 58.
Accident & Health Exam
Covers accident and health policies, provisions, and North Carolina statutes pertinent to accident and health — G.S. Chapter 58.
About the North Carolina Life & Accident Health Insurance Exams
To get your North Carolina Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $44. North Carolina is regulated by the North Carolina Department of Insurance (NCDOI) under North Carolina General Statutes Chapter 58. Visit ncdoi.gov for official licensing information. Commissioner ELECTED (unique in portfolio); fingerprinting via Gemalto; PSI Bridge available; 20-hr pre-licensing per line; separate L&H exams (Life/Accident & Health/Health); NC Life and Health Guaranty Association; Commissioner Michael Causey (elected).
Pre-licensing education in North Carolina: 20 hours per line. Continuing education: 24 hours + 3 ethics biennial. License renewal fee: biennial. CE must be completed before submitting your North Carolina renewal application. How to get licensed in North Carolina: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for North Carolina producer license.
How to get a North Carolina Life & Health insurance license in 2026: The North Carolina Department of Insurance (NCDOI) (ncdoi.gov) administers all producer licensing in North Carolina. Exam: PSI Services LLC, $44, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your North Carolina Life & Health license by completing 24 hours + 3 ethics biennial and paying the biennial renewal. For questions contact the North Carolina Department of Insurance (NCDOI).
NCDOI (ncdoi.gov). NCGS Chapter 58. Commissioner ELECTED (unique). Gemalto fingerprinting. PSI Bridge. 20-hr pre-licensing. NC L&H Guaranty Association. Separate exams for different L&H lines.
North Carolina Life Exam Topics
| Section | Approx. Questions | Key Topics |
|---|---|---|
| Types of Life Insurance | ~12 | Term, whole life, universal life, variable life, endowments, policy riders |
| Annuities | ~8 | Fixed, variable, indexed; immediate vs. deferred; qualified plans; cost comparison methods |
| Policy Provisions & Options | ~12 | Beneficiaries, nonforfeiture, settlement options, dividends, grace period, incontestability |
| Other Life Topics | ~10 | Group life, business uses, Social Security, federal tax treatment, legal concepts |
| NC Statutes — Life | ~13 | G.S. 58: Commissioner authority, producer licensing, unfair practices, replacement regs, guaranty association |
North Carolina A&H Exam Topics
| Section | Approx. Questions | Key Topics |
|---|---|---|
| A&H Policy Types | ~14 | Individual and group health, HMO, PPO, disability income, LTC, Medicare supplement, COBRA |
| A&H Policy Provisions | ~12 | Grace period, reinstatement, proof of loss, claim forms, conversion, pre-existing conditions |
| Other A&H Topics | ~10 | Medicare Parts A–D, Medicaid, ACA provisions, HIPAA, group underwriting |
| NC Statutes — A&H | ~19 | G.S. 58: Commissioner authority, NCHIP, HMO Act, continuation rights, LTC requirements |
Sample NC Life Insurance Exam Question
Under North Carolina's insurance laws, the Commissioner of Insurance is:
Frequently Asked Questions
How do I get a North Carolina Life & Health insurance license?
To become a licensed Life & Health producer in North Carolina: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($44, 70%); (4) Apply for your North Carolina producer license. The North Carolina Department of Insurance (NCDOI) (ncdoi.gov) oversees all insurance producer licensing in North Carolina.
What exam does North Carolina use for Life & Health insurance licensing?
North Carolina uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $44. Passing score: 70%. Commissioner ELECTED (unique in portfolio); fingerprinting via Gemalto; PSI Bridge available; 20-hr pre-licensing per line; separate L&H exams (Life/Accident & Health/Health); NC Life and Health Guaranty Association; Commissioner Michael Causey (elected).
Does North Carolina require pre-licensing for Life & Health insurance?
20 hours per line. For official pre-licensing provider information, visit ncdoi.gov.
What are North Carolina's CE requirements for Life & Health producers?
North Carolina requires: 24 hours + 3 ethics biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the North Carolina Department of Insurance (NCDOI) at ncdoi.gov for CE provider information.
What makes North Carolina unique for Life & Health insurance licensing?
Commissioner ELECTED (unique in portfolio); fingerprinting via Gemalto; PSI Bridge available; 20-hr pre-licensing per line; separate L&H exams (Life/Accident & Health/Health); NC Life and Health Guaranty Association; Commissioner Michael Causey (elected).
NC Life — Practice by Topic
Drill individual domains or take the full 55-question Life exam.
Life Insurance Types
Term, whole life, universal life, variable life, endowments, business uses of life insurance.
Annuities
Fixed, variable, indexed annuities; immediate vs. deferred; qualified retirement plans; Social Security.
Policy Provisions
Beneficiaries, nonforfeiture options, settlement options, dividends, grace period, incontestability, reinstatement.
NC State Law
G.S. Chapter 58: Commissioner authority, producer licensing, unfair practices, replacement, guaranty association.
🌟
Full Life Exam
55-question exam matching the real Pearson VUE NC Life exam format.
NC Accident & Health — Practice by Topic
Drill individual domains or take the full 55-question A&H exam.
Health Policy Types
Individual and group health, HMO, PPO, disability income, LTC, Medicare supplement, COBRA.
A&H Provisions
Grace period, reinstatement, proof of loss, claim forms, conversion rights, pre-existing conditions.
Federal Health Topics
Medicare Parts A–D, Medicaid, ACA provisions, HIPAA, ERISA, COBRA continuation rights.
NC State Law
G.S. Chapter 58: Commissioner authority, HMO Act, NC continuation rights, LTC requirements, unfair practices.
🌟
Full A&H Exam
55-question exam matching the real Pearson VUE NC A&H exam format.