North Carolina Property & Casualty Insurance Practice Exams
NC requires separate exams for Property and Casualty — each 55 scored questions, 1 hr 15 min, 70% to pass. Practice both below.
🌟 Property Insurance Exam
Covers property coverages, homeowners policies, commercial property, NC FAIR Plan, Beach Plan, and NC property statutes — G.S. Chapter 58.
Casualty Insurance Exam
Covers general liability, auto liability, workers' comp, bonds, and NC casualty statutes including the NC Rate Bureau and Motor Vehicle Reinsurance Facility — G.S. Chapter 58.
About the North Carolina Property & Casualty Insurance Exams
To get your North Carolina Property & Casualty 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; Gemalto fingerprinting; 30/60/25 auto minimums (unique — higher per-accident BI); NC Rate Bureau (quasi-governmental — unique filing system); Beach Plan/FAIR Plan; Hurricane exposure; WC competitive; Commissioner 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 Property & Casualty 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 Property & Casualty 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. 30/60/25 auto minimums (unique — higher per-accident limit). NC Rate Bureau (unique filing system). Beach Plan and FAIR Plan. Hurricane exposure (coastal). Gemalto fingerprinting.
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 Property & Casualty insurance license?
To become a licensed Property & Casualty 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 Property & Casualty insurance licensing?
North Carolina uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $44. Passing score: 70%. Commissioner ELECTED; Gemalto fingerprinting; 30/60/25 auto minimums (unique — higher per-accident BI); NC Rate Bureau (quasi-governmental — unique filing system); Beach Plan/FAIR Plan; Hurricane exposure; WC competitive; Commissioner elected.
Does North Carolina require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit ncdoi.gov.
What are North Carolina's CE requirements for Property & Casualty 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 Property & Casualty insurance licensing?
Commissioner ELECTED; Gemalto fingerprinting; 30/60/25 auto minimums (unique — higher per-accident BI); NC Rate Bureau (quasi-governmental — unique filing system); Beach Plan/FAIR Plan; Hurricane exposure; WC competitive; Commissioner elected.
NC Property — Practice by Topic
Drill individual domains or take the full 55-question Life exam.
Property Coverages
Homeowners (HO forms), dwelling policies, inland marine, commercial property, NFIP flood, BOP.
Personal Auto
NC minimum limits (30/60/25), NC Rate Bureau auto forms, UM/UIM, assigned risk (NCRB).
Commercial Lines
CGL, commercial auto, workers' comp, bonds, package policies, BOP, umbrella.
NC State Law — Property
G.S. Chapter 58: NC Rate Bureau, Beach Plan, FAIR Plan, Post Assessment Guaranty, cancellation rules.
🌟
Full Property Exam
55-question exam matching the real Pearson VUE NC Property exam format.
NC Casualty — Practice by Topic
Drill individual domains or take the full 55-question A&H exam.
Casualty & Liability
CGL, umbrella, professional liability, employers' liability, commercial auto, bonds, workers' comp.
Personal Auto & UM
NC minimum limits (30/60/25), UM/UIM offer rules, NC Rate Bureau auto forms, Motor Vehicle Reinsurance Facility.
Workers' Comp
NC workers' comp exclusive remedy, NCIC administration, employers' liability, self-insurance.
NC State Law — Casualty
G.S. Chapter 58: NC Rate Bureau, Motor Vehicle Reinsurance Facility, workers' comp law, cancellation/nonrenewal.
🌟
Full Casualty Exam
55-question exam matching the real Pearson VUE NC Casualty exam format.