South Carolina Life & Health
Insurance Exam
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How to Pass the SC PSI Insurance Licensing Exam
Passing the South Carolina Life, Accident & Health insurance exam requires mastering life insurance, health insurance, annuities, and South Carolina-specific regulations from the South Carolina Division of Insurance (DOI). Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations aligned with the Pearson VUE exam format.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life, Accident & Health insurance license in South Carolina must pass this state licensing exam administered by PSI.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your South Carolina insurance license can be issued.
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your South Carolina Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in South Carolina, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Master South Carolina Insurance Code Title 38
Focus on Title 38 of South Carolina Code of Laws covering producer licensing, unfair trade practices, misrepresentation, rebating, and fiduciary duties.
Study Life & Health riders and provisions
Review mandatory uniform policy provisions, grace periods (31 days for life), free-look periods (10 days standard), and incontestability provisions (2 years).
Practice with PSI-formatted questions
South Carolina licensing exams are administered by PSI. Use our realistic question bank to practice pacing for 150 questions in 3.5 hours.
Target an 80%+ average on mock tests
Consistently scoring 80% or higher on practice exams guarantees a strong safety margin above the 70% passing threshold.
Common Mistakes
Pitfalls to avoid on test day
South Carolina replacement rules
South Carolina requires specific disclosure statements and a 30-day right to return when replacing an existing life or annuity policy. Candidates often mix up notice deadlines.
SCDOI License Renewal & CE
Producers must complete 24 hours of continuing education every 2 years, including 3 hours of ethics and 1/3 of total hours in each line of authority held.
SC Guaranty Association coverage limits
Test-takers frequently confuse coverage limits. South Carolina covers life death benefits up to $300,000, life cash surrender up to $100,000, and annuity cash values up to $250,000.
Director of Insurance powers
Candidates often misremember administrative penalties. The Director can issue cease and desist orders and levy fines up to $15,000 for willful violations.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free SC Insurance Exam Practice PDF
Download our comprehensive practice test with 50 South Carolina-specific insurance exam questions with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free SC Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential South Carolina insurance licensing timelines, grace periods, and exam metrics.
Your Questions Answered
Quick answers to the most common questions about the South Carolina insurance licensing exam
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.
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.
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).
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.
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.
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.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official South Carolina Department of Insurance exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life, Accident & Health exam — so you practice with questions that closely mirror the actual PSI licensing exam.
Life Insurance
315 questions
Health Insurance
314 questions
General Insurance
165 questions
Annuities
147 questions
SC Law & Ethics
135 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and South Carolina life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and South Carolina health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
1050+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and South Carolina state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 75-question Life section and a 75-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
