2026 Updated Syllabus

North Carolina Life & Annuities Insurance Exam Practice

Pass your North Carolina life & annuities licensing exam on your first attempt. Practice with real exam-style questions, study explanations, and track your pass probability.

4.8/5average rating

98%pass rate with Premium

Taking the combined exam? We also offer a combined practice test on our North Carolina Life & Health Insurance Prep Hub.

400+

Exam-Style Questions

70%

Passing Score Threshold

2.5 hours

Exam Time Limit

98.4%

Our Student Pass Rate

Interactive Life & Annuities Sample Questions

Try these 5 free sample questions below. Select an answer to see instant feedback and complete, structured explanations.

Life Insurance • Types of PoliciesSample Q

Which type of life insurance offers pure death benefit protection with no cash value?

Premium Life & Annuities Exam Simulator

Every failed insurance licensing exam means extra fees, more waiting, and lost time. Don't risk it — practice the exact questions you'll see on the test.

Gift yourself the confidence you deserve.

Preparing for the combined exam? Get our combined practice tests on the North Carolina Life & Health Hub.

Not sure? Try it for 60 minutes. Full refund within the first hour — just email us.

30-Day Pass Plan

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All 650+ North Carolina practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

90 Days Pass Plan

Need more time? Master everything at your own pace.

$89

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 650+ North Carolina practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

365 Days Pass Plan

Full year access: Study on your schedule with no rush.

$129

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 650+ North Carolina practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

North Carolina

Pass This Month

30-day access - One-time payment

Test this month? Focused, fast prep to cover everything you need to know — and pass.

$69

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 650+ North Carolina practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Pass with Confidence

90-day access - One-time payment

57% of our users prefer this option to ensure they pass on the first try.

$89

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 650+ North Carolina practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

North Carolina

Pass on Your Schedule

365-day access - One-time payment

The ultimate prep package. Study at your own pace for a full year with zero stress.

$129

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 650+ North Carolina practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

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Frequently Asked Questions (Life & Annuities)

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 & Annuities), 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 & Annuities license. Courses must be taken through an NCDOI-approved provider. It is highly recommended to complete a structured course before attempting the state exam.