Free North Carolina Life & Health Exam Prep
North Carolina Life, Accident, and Health Insurance
Pass your North Carolina Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.
Quick Facts
North Carolina Life & Health Insurance License: Complete Roadmap
Follow this path to maximize your chances of passing on the first try
General Insurance Concepts
Start with foundational insurance principles: risk management, contract law, policy provisions, and underwriting basics. These concepts form the basis for all insurance products.
Life Insurance & AnnuitiesYou are here
Master life insurance products (term, whole, universal, variable), annuities (fixed, variable, indexed), policy provisions, beneficiaries, and North Carolina replacement regulations.
Accident & Health Products
Study medical expense insurance, individual and group health plans, disability income, long-term care, Medicare Supplement, and North Carolina health insurance regulations.
NC Laws & Regulations
Focus on North Carolina-specific content: NCDOI regulations, NC General Statutes Chapter 58, NCLHIGA guaranty association, unfair trade practices, and producer licensing requirements.
Can You Take the North Carolina Life & Health Exam?
Check if you meet the basic eligibility requirements
- •2025 Change: Pre-license education requirement eliminated as of October 2025
- •North Carolina no longer requires classroom or online pre-license courses
- •Exam must still be passed before license application
- •Must disclose any criminal history or regulatory actions
- •License application must be submitted within 12 months of passing exam
- •CE requirements: 24 hours per 2-year period (including 3 hours ethics)
Free North Carolina Life & Health Prep That Actually Works
The official pass rate is ~65-70% (first attempt). Our students do better.
500+ Practice Questions
More free questions than most paid courses
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Content reflects latest exam changes
$0 Forever
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What You'll Study
7 chapters covering everything you need to pass
Introduction: North Carolina Life & Health Insurance Exam Overview
1 sections
Chapter 1: North Carolina Insurance Regulation & Licensing
3 sections
Chapter 2: North Carolina Life Insurance Laws
3 sections
Chapter 3: North Carolina Health Insurance Laws
3 sections
Chapter 4: North Carolina Insurance Ethics & Consumer Protections
3 sections
Chapter 5: North Carolina Advanced Annuity Regulations
3 sections
Chapter 6: North Carolina Group Insurance & Special Topics
3 sections
North Carolina Life & Health-Specific Topics Covered
10 free AI interactions per day
North Carolina Life & Health Exam Details
North Carolina Life, Accident, and Health Insurance
Administered by North Carolina Department of Insurance (NCDOI)
Exam Content Breakdown
Based on the official North Carolina Department of Insurance (NCDOI) content outline
~20 questions: Risk management, contract law, policy provisions
~26 questions: Term, whole, universal life, policy features
~12 questions: Annuity types, taxation, suitability requirements
~22 questions: Medical expense, disability, LTC, Medicare Supplement
~8 questions: Group life, group health, COBRA, HIPAA
~12 questions: NCDOI regulations, NCLHIGA, unfair practices, licensing
What's Included
7 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.
What's Next After the North Carolina Life & Health?
After passing the North Carolina Life & Health, you can pursue these career paths
North Carolina Life & Health Exam FAQ
Official North Carolina Department of Insurance (NCDOI) Resources
Verify information with these official sources
More Free Resources
Ready to Start Your Free North Carolina Life & Health Prep?
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