South Carolina Life, Accident & Health Insurance License Practice Exam
130 scored questions (InsSC-LAH03). 2.5 hrs. 70% scaled score. No pre-licensing required. IdentoGO fingerprinting ($50.50, after NIPR application). 48-hr wait before applying. Max 6 attempts/year.
South Carolina Life, Accident & Health — Study by Topic
Drill South Carolina state law (~30 scored questions) or practice general L&H concepts. 130 scored (InsSC-LAH03), 2.5 hrs. No pre-licensing. 6-attempt limit. SCDOI Director appointed.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements.
Health & Accident
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, HMOs, dental, group health conversion rights.
South Carolina State Law
SCDOI, Director appointed, no pre-licensing, Pearson VUE (OnVUE), scaled score 70, 6-attempt limit, no section retake, 48-hr wait, IdentoGO after NIPR, SC L&A/H Guaranty Association, 24 CE hrs.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA.
🌟 Full SC L&H Exam
130-scored-question timed exam simulating the Pearson VUE SC InsSC-LAH03 combined Life, A&H exam. 2.5 hours. Scaled 70 to pass. No pre-licensing. 6-attempt limit. Director appointed.
About the South Carolina Life, Accident & Health Insurance License Exam
To get your South Carolina Life & Health insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of Scaled score of 70 (0–100 scale). Exam fee: $59. South Carolina is regulated by the South Carolina Department of Insurance (SCDOI) under South Carolina Code of Laws Title 38. Visit doi.sc.gov for official licensing information. No pre-licensing required; IdentoGO fingerprinting after NIPR ($50.50); Pearson VUE OnVUE unlimited attempts; scaled 0-100 score (70 passes); $25/line renewal (lowest portfolio); 8 hrs/line CE beyond 3 ethics; Commissioner appointed; SCDOI at 1201 Main Street, Columbia SC.
Pre-licensing education in South Carolina: None required. Continuing education: 24 hours + 3 ethics + 8 hours per line held biennial. License renewal fee: $25/line biennial (lowest in portfolio). CE must be completed before submitting your South Carolina renewal application. How to get licensed in South Carolina: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for South Carolina producer license.
How to get a South Carolina Life & Health insurance license in 2026: The South Carolina Department of Insurance (SCDOI) (doi.sc.gov) administers all producer licensing in South Carolina. Exam: Pearson VUE, $59, Scaled score of 70 (0–100 scale). Pre-licensing: None required. Once licensed, maintain your South Carolina Life & Health license by completing 24 hours + 3 ethics + 8 hours per line held biennial and paying the $25/line biennial (lowest in portfolio) renewal. For questions contact the South Carolina Department of Insurance (SCDOI).
SCDOI (doi.sc.gov). SC Code Title 38. No pre-licensing. IdentoGO after NIPR ($50.50). OnVUE unlimited. Scaled 0-100 score (70 passes). $25/line renewal. 8 hrs/line CE + 3 ethics. Commissioner appointed. 1201 Main Street, Columbia SC 29201.
Frequently Asked Questions — South Carolina Life, Accident & Health Exam
How do I get a South Carolina Life & Health insurance license?
To become a licensed Life & Health producer in South Carolina: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($59, Scaled score of 70 (0–100 scale)); (4) Apply for your South Carolina producer license. The South Carolina Department of Insurance (SCDOI) (doi.sc.gov) oversees all insurance producer licensing in South Carolina.
What exam does South Carolina use for Life & Health insurance licensing?
South Carolina uses Pearson VUE to administer the Life & Health insurance licensing exam. Fee: $59. Passing score: Scaled score of 70 (0–100 scale). No pre-licensing required; IdentoGO fingerprinting after NIPR ($50.50); Pearson VUE OnVUE unlimited attempts; scaled 0-100 score (70 passes); $25/line renewal (lowest portfolio); 8 hrs/line CE beyond 3 ethics; Commissioner appointed; SCDOI at 1201 Main Street, Columbia SC.
Does South Carolina require pre-licensing for Life & Health insurance?
None required. For official pre-licensing provider information, visit doi.sc.gov.
What are South Carolina's CE requirements for Life & Health producers?
South Carolina requires: 24 hours + 3 ethics + 8 hours per line held biennial. Renewal fee: $25/line biennial (lowest in portfolio). CE must be completed before submitting the renewal application. Contact the South Carolina Department of Insurance (SCDOI) at doi.sc.gov for CE provider information.
What makes South Carolina unique for Life & Health insurance licensing?
No pre-licensing required; IdentoGO fingerprinting after NIPR ($50.50); Pearson VUE OnVUE unlimited attempts; scaled 0-100 score (70 passes); $25/line renewal (lowest portfolio); 8 hrs/line CE beyond 3 ethics; Commissioner appointed; SCDOI at 1201 Main Street, Columbia SC.
Practice Exam Questions — South Carolina Life & Health
5 state-specific questions drawn from the South Carolina exam content outline. Correct answer highlighted in green.
South Carolina L&H exams are administered by:
- PSI Services LLC
- Prometric
- Pearson VUE — OnVUE available with UNLIMITED online attempts (unique in portfolio); exam fee $59; scaled score 0-100 (70 passes); no pre-licensing; IdentoGO after NIPR ($50.50)
- SCDOI directly
South Carolina uses a scaled score system, meaning:
- A percentage of questions answered correctly
- A 0-100 scaled score where 70 is the passing threshold; SC is unique for providing a numeric scaled score to passing candidates (Nevada and Connecticut show 'PASS' only)
- A letter grade system
- A 0-150 scaled score where 105 is passing
South Carolina fingerprinting is:
- At the Pearson VUE test center on exam day
- Via Fieldprint before applying
- Via IdentoGO after applying via NIPR — fee $50.50; schedule IdentoGO after submitting the NIPR application; results to SLED (SC Law Enforcement Division) and FBI; must be completed before license approval
- Via ark.org before applying
South Carolina's CE requirement includes:
- 24 hours + 3 ethics + 8 hours per line held biennial — the 8 hrs/line is UNIQUE in the portfolio; renewal fee $25/line (lowest portfolio); SCDOI: doi.sc.gov
- 30 hours triennial
- 16 hours biennial
- 12 hours annual
South Carolina's primary insurance statute is:
- SC Code Title 56 — Motor Vehicles
- South Carolina Code of Laws Title 38 — Insurance; SCDOI at doi.sc.gov; 1201 Main Street, Suite 1000, Columbia SC 29201; Commissioner appointed
- SC Code Title 12 — Taxation
- South Carolina Administrative Code Chapter 69