South Carolina Insurance Exam Cheat Sheet
Unlock the official South Carolina exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free South Carolina practice questions to test your knowledge.
What's Covered on the South 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: 30–31 days | Free-look: 10 Days (30 Days)
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 South Carolina Life & Health insurance exam on my first try?
To pass the South Carolina Life & Health insurance exam on your first attempt, follow a structured study plan: First, master general insurance principles, life policy types, health coverage, and annuities. Second, thoroughly review South Carolina-specific insurance laws under Title 38 (producer licensing, replacement rules, continuing education, and unfair trade practices). Third, complete at least 400+ practice questions on our platform until you consistently score 80% or higher.
Q:How many questions are on the South Carolina insurance exam and what score is needed?
The combined South Carolina Life, Accident & Health exam consists of 150 multiple-choice questions with a 3.5-hour time limit. A passing score of 70% is required. The exam is administered by PSI Services.
Q:What topics are covered on the South Carolina insurance licensing exam?
The exam covers: Life Insurance (types of policies, policy provisions, options, riders), Health Insurance (medical plans, disability income, Medicare, LTC, policy provisions), Annuities (types, tax aspects, suitability), General Insurance Concepts (risk, insurable interest, contract law), and South Carolina Insurance Laws (SCDOI regulations, licensing rules, trade practices, and replacement rules).
Q:How much does the South Carolina insurance exam cost and where is it taken?
The exam fee is $45 per attempt, payable to PSI. Tests can be taken at PSI test centers in South Carolina or online via PSI remote proctoring.
Q:What are the continuing education (CE) requirements for South Carolina producers?
South Carolina requires resident producers to complete 24 hours of continuing education every 2 years. At least 3 hours must cover ethics, and producers holding multiple lines must complete a portion in each line.
Q:What is the South Carolina Life & Health Insurance Guaranty Association coverage limit?
The South Carolina Life & Health Insurance Guaranty Association protects policyholders up to $300,000 for life insurance death benefits, $100,000 for life insurance cash surrender values, $300,000 for health insurance benefits, and $250,000 for annuity present value/cash surrender.