North Carolina Insurance Exam Cheat Sheet
Unlock the official North Carolina exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free North Carolina practice questions to test your knowledge.
What's Covered on the North Carolina Life & Health Exam
Two exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 31 Days | Free-look: 10 Days (30 Days (LTC/Medicare))
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How do I pass the North Carolina insurance exam?
To pass the North Carolina insurance exam, you should complete a pre-licensing course (at least 20 hours for Life, Accident & Health), study the NC Insurance Code, and practice with high-quality exam questions. Aim for consistency above 80% on practice tests before scheduling your Pearson VUE appointment.
Q:What is the passing score for the North Carolina insurance exam?
The passing score for most North Carolina insurance exams is 70%. You will need to answer approximately 105 out of 150 questions correctly for the combined Life & Health exam.
Q:How much does the North Carolina insurance exam cost?
The exam fee is approximately $65 per attempt, paid to Pearson VUE, the authorized testing provider for NCDOI exams. You must also pay for pre-licensing education and fingerprinting separately.
Q:Where can I take the North Carolina insurance exam?
You can take the NC insurance exam at a Pearson VUE testing center in North Carolina or via OnVUE online proctoring from your home or office, subject to system requirements. Visit the Pearson VUE website to find a test center near you.
Q:What happens if I fail the North Carolina insurance exam?
If you fail, you can retake the exam. There is generally no mandatory waiting period, but you must pay the exam fee again for each attempt. Use your score report to identify weak areas and focus your additional study there.
Q:Are there pre-licensing education requirements in North Carolina?
Yes. North Carolina requires at least 20 hours of approved pre-licensing education for a Life, Accident & Health license. Courses must be taken through an NCDOI-approved provider. It is highly recommended to complete a structured course before attempting the state exam.