200+ Free NC Life & Health Practice Questions

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Which North Carolina agency regulates insurance producers and insurers in the state?

North Carolina Department of Financial Regulation

North Carolina Department of Insurance (NCDOI)

North Carolina Office of Consumer Insurance Affairs

North Carolina Department of Commerce, Insurance Division

to track

2026 Statistics

Key Facts: NC Life & Health Exam

01 / 02

Exam Codes

Pearson VUE NC candidate handbook exam table (Oct 2025)

55 each

Scored Questions per Line

NC Life/A&H content outlines (supplement effective date Mar 2, 2026)

75 min each

Exam Time

NC candidate guide fee/exam table

Scaled 70

Passing Standard

NC candidate guide scoring section

$45 each

Exam Fee

NC candidate guide fee table

20 hrs per line

Prelicensing

NCDOI resident producer licensing steps

North Carolina's current candidate guide (October 2025) lists separate Life and A&H exams at 55 scored questions and 75 minutes each, with a scaled passing score of 70 and a $45 fee per exam. Prelicensing is 20 hours per line (40 total for both lines), applications are filed electronically through NIPR, and fingerprints must be submitted within 30 days of application. A supplemental outline update is posted with an effective date of March 2, 2026, so candidates testing near that date should confirm blueprint timing.

Sample NC Life & Health Practice Questions

Try these sample questions to test your NC Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which North Carolina agency regulates insurance producers and insurers in the state?

A.North Carolina Department of Financial Regulation

B.North Carolina Department of Insurance (NCDOI)

C.North Carolina Office of Consumer Insurance Affairs

D.North Carolina Department of Commerce, Insurance Division

Explanation: The North Carolina Department of Insurance is the primary state regulator for producer licensing, market conduct, and enforcement. Exam questions commonly test NCDOI authority because producer compliance is handled through this agency. The other agency names are not the official insurance regulator for North Carolina.

2How is the North Carolina Commissioner of Insurance selected?

A.Appointed by the Governor

B.Elected statewide by North Carolina voters

C.Appointed by the North Carolina Senate

D.Selected by a board of insurers

Explanation: North Carolina uses an elected insurance commissioner rather than a purely appointed model. This is a tested state-specific distinction because several states appoint their insurance commissioners. The elected commissioner leads NCDOI and enforces insurance statutes statewide.

3Which testing vendor administers North Carolina insurance licensing exams?

A.PSI

B.Prometric

C.Pearson VUE

D.Castle Worldwide

Explanation: North Carolina insurance licensing exams are administered through Pearson VUE. Candidates schedule the exam and pay exam fees using the Pearson VUE process. Mixing up vendors can lead to booking delays or incorrect instructions.

4In the current Pearson VUE North Carolina insurance exam table, what is the exam code for Life Agent?

A.01

B.02

C.12

D.04

Explanation: The current North Carolina candidate handbook exam table lists Life Agent as exam code 01. Accident and Health or Sickness Agent is listed separately as code 02. Checking the current table helps prevent booking the wrong line exam.

5In the current Pearson VUE North Carolina insurance exam table, what is the exam code for Accident and Health or Sickness Agent?

A.01

B.02

C.04

D.16

Explanation: The current North Carolina candidate handbook exam table lists Accident and Health or Sickness Agent as code 02. Life Agent appears separately as code 01. This confirms North Carolina tests these lines separately rather than as one mandatory combined exam.

6What is the current exam fee per attempt for North Carolina Life and Accident/Health producer exams?

A.$35

B.$45

C.$55

D.$75

Explanation: The North Carolina candidate guide lists $45 for each of these line exams. Because Life and A&H are separate exams, candidates pursuing both lines should budget for both attempts. License application and fingerprint costs are separate from this testing fee.

7How much testing time is allotted for each North Carolina Life or Accident/Health producer exam?

A.60 minutes

B.75 minutes

C.90 minutes

D.120 minutes

Explanation: North Carolina allots 75 minutes for each of these producer line exams. Candidates taking both lines complete two separate appointments or sessions. Effective pacing is important because each exam has 55 scored questions in this time window.

8How many scored questions are on each North Carolina Life and Accident/Health exam?

A.50

B.55

C.60

D.75

Explanation: The content outlines show 55 scored questions for each line exam. North Carolina publishes domain weights against these scored items. This structure helps candidates estimate how many questions come from each outline domain.

9What passing standard is used for North Carolina insurance producer exams?

A.Raw score of 65%

B.Scaled score of 70

C.Raw score of 75%

D.Scaled score of 80

Explanation: The North Carolina candidate guide states that insurance exams use a scaled score and the minimum passing score is 70. This means the reported score is scaled rather than a simple raw percentage. Candidates should focus on full-domain mastery rather than guessing at raw-cut conversions.

10How much approved prelicensing education does North Carolina require for a single life or accident/health line?

A.10 hours

B.20 hours

C.30 hours

D.40 hours

Explanation: North Carolina requires 20 hours of approved prelicensing education per line. A candidate pursuing both Life and A&H must complete both line requirements. This is a licensing eligibility requirement before exam and application completion.

About the NC Life & Health Exam

North Carolina licenses Life and Accident & Health as separate producer line exams. Each line tests national insurance fundamentals plus North Carolina statutes on producer licensing, unfair trade practices, privacy, and line-specific life/health law.

Questions

110 scored questions

Time Limit

75 minutes per exam (150 minutes total for Life + A&H)

Passing Score

Scaled score of 70

Exam Fee

$45 per exam ($90 for both lines) (North Carolina Department of Insurance (NCDOI) / Pearson VUE)

NC Life & Health Exam Content Outline

37%

Life General Knowledge

Life policy types, annuities, policy provisions/riders/options, and other life concepts from the NC Life outline

37%

Accident & Health General Knowledge

A&H policy types, policy provisions/clauses/riders, and other health concepts from the NC A&H outline

13%

NC Common Producer Statutes

Article 33 producer licensing/commission rules plus Article 63 unfair practices and NC privacy-protection statutes

13%

NC Line-Specific Statutes

Life laws (Article 58-58, 58-58-50, 58-58-90, Article 71) and health laws (Article 58-51, 58-54, 58-68, 58-3-215, 58-50-110)

How to Pass the NC Life & Health Exam

What You Need to Know

Passing score: Scaled score of 70
Exam length: 110 questions
Time limit: 75 minutes per exam (150 minutes total for Life + A&H)
Exam fee: $45 per exam ($90 for both lines)

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

NC Life & Health Study Tips from Top Performers

1Prepare for two separate exams (Life and Accident & Health), not just one combined score

2Memorize high-value NC citations: Article 33, Article 63, NC privacy statutes, Article 58-58, Article 58-51, Article 58-54, and Article 58-68

3Use outline weighting to prioritize study time, especially life policy types and A&H policy types

4Drill producer-conduct scenarios involving unlicensed activity, commissions, rebating, twisting, and privacy misuse

5In final review week, confirm current Pearson VUE/NCDOI handbook and outline dates before your appointment

Frequently Asked Questions

Does North Carolina use one combined life-and-health producer exam?

North Carolina lists separate Life and Accident/Health line exams. Many candidates take both lines, but they are scheduled and scored as separate exams.

How many questions and how much time are on NC Life and A&H exams?

Each exam has 55 scored questions and a 75-minute time limit, based on North Carolina's official content outlines. Taking both lines means 110 scored questions and 150 total testing minutes across two exams.

What passing score and exam fees apply in North Carolina?

North Carolina uses a scaled passing score of 70 for insurance producer exams. The published exam fee is $45 per attempt for each line exam.

What prelicensing education is required for NC Life and A&H?

North Carolina requires 20 hours of approved prelicensing education per line. Candidates seeking both authorities typically complete 40 hours total before licensing completion.

What are key North Carolina compliance details after testing?

Resident applications are filed through NIPR, fingerprints are submitted within 30 days of electronic application, and producers must keep licensing records current (including address updates within 10 calendar days). Continuing education for residents is 24 hours every 2 years including 3 hours of ethics.