200+ Free SC Life & Health Practice Questions

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Question 1

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Which agency is the primary insurance regulator for producers and insurers in South Carolina?

South Carolina Department of Consumer Affairs

South Carolina Department of Insurance (SCDOI)

South Carolina Office of Financial Regulation

South Carolina Department of Revenue, Insurance Section

to track

2026 Statistics

Key Facts: SC Life & Health Exam

InsSC-LAH03

Exam Code

Pearson VUE SC candidate handbook

140

Total Delivered Questions

Pearson VUE SC candidate handbook

150 min

Time Limit

Pearson VUE SC candidate handbook

Scaled 70

Passing Standard

Pearson VUE SC score explanation section

100 + 30

National + State Scored Split

SC LAH outline effective Sept 2, 2025

$59

Exam Fee

Pearson VUE SC fee table

South Carolina InsSC-LAH03 is 140 delivered questions in 150 minutes with a scaled passing score of 70 and a $59 fee. The scored blueprint is 100 national questions plus 30 South Carolina law questions, with 10 pretest items mixed in. The state-law portion is weighted 18 all-lines, 6 life-specific, and 6 health-specific. SCDOI also posted a 2026 process update requiring a new exhibit for Medicare Supplement filings with rates beginning March 1, 2026.

Sample SC Life & Health Practice Questions

Try these sample questions to test your SC 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 agency is the primary insurance regulator for producers and insurers in South Carolina?

A.South Carolina Department of Consumer Affairs

B.South Carolina Department of Insurance (SCDOI)

C.South Carolina Office of Financial Regulation

D.South Carolina Department of Revenue, Insurance Section

Explanation: The South Carolina Department of Insurance regulates insurer solvency, producer licensing, market conduct, and enforcement in the state. SCDOI authority appears throughout the state-law section of the producer exam. The other agencies listed are not the primary insurance regulator for producer licensing.

2What is the Pearson VUE exam code for the South Carolina Life, Accident and Health Insurance Producer exam?

A.InsSC-LAH03

B.InsSC-LH01

C.InsSC-LA02

D.InsSC-HA03

Explanation: Pearson VUE identifies the South Carolina combined life and health producer exam as InsSC-LAH03. Using the correct exam code is important when scheduling because several South Carolina insurance lines have similar names. Choosing the wrong code can delay licensing progress.

3How many total items and how much testing time are assigned to South Carolina exam InsSC-LAH03?

A.120 items and 120 minutes

B.130 items and 150 minutes

C.140 items and 150 minutes

D.150 items and 180 minutes

Explanation: The South Carolina candidate handbook lists 140 total items for InsSC-LAH03 with a 150-minute time limit. This total includes scored and pretest items. Pacing matters because both national and state-law content appear in the same appointment.

4What is the current exam fee for South Carolina Life, Accident and Health Insurance Producer testing?

A.$45

B.$59

C.$75

D.$99

Explanation: Pearson VUE lists a $59 exam fee for the South Carolina combined life and health producer exam. Candidates should budget for additional costs such as application or background-check expenses. Each new attempt generally requires a new exam fee payment.

5How is the passing standard reported for South Carolina producer examinations?

A.Raw percentage with 70% required

B.Scaled score with 70 required

C.Letter grades with a C minimum

D.Pass/fail with no numeric standard

Explanation: South Carolina reports producer exam performance as a scaled score, and 70 is the passing standard. A scaled 70 is not the same as answering exactly 70% of questions correctly on every form. This method helps normalize difficulty differences across exam forms.

6Under the current South Carolina Life, Accident and Health content outline, how is the general-knowledge portion structured?

A.90 scored plus 10 pretest questions

B.95 scored plus 10 pretest questions

C.100 scored plus 5 pretest questions

D.105 scored plus 5 pretest questions

Explanation: The South Carolina LAH outline shows 100 scored general-knowledge questions plus 5 pretest questions. Pretest items are unscored and mixed into the exam. Candidates cannot identify which items are pretest while testing.

7Under the current South Carolina LAH outline, how is the state-specific portion structured?

A.25 scored plus 5 pretest questions

B.30 scored plus 5 pretest questions

C.35 scored plus 0 pretest questions

D.40 scored plus 5 pretest questions

Explanation: The state section includes 30 scored questions plus 5 pretest questions. These items focus on South Carolina statutes and regulations. Strong state-law preparation is essential because this section is scored and can determine pass/fail outcomes.

8How are the 30 scored South Carolina state-law questions weighted on the LAH outline?

A.18 all-lines, 6 life-specific, and 6 health-specific

B.15 all-lines, 10 life-specific, and 5 health-specific

C.12 all-lines, 9 life-specific, and 9 health-specific

D.20 all-lines, 5 life-specific, and 5 health-specific

Explanation: South Carolina weights the scored state section as 18 questions on all-lines law, 6 on life-specific law, and 6 on health-specific law. This split helps candidates prioritize study time on common licensing law first. Ignoring all-lines content is a common preparation mistake.

9A candidate passes the general section but fails the state section on the same attempt. What does South Carolina require next?

A.Retake only the failed section

B.Retake only state-law pretest items

C.Retake the entire examination

D.No retake is required if the general section was passed

Explanation: South Carolina candidate materials state that if a candidate passes one section and fails the other, the candidate must retake the full exam. There is no permanent section banking for this situation. This policy makes balanced preparation across national and state law important.

10Under S.C. Code Section 38-43-50, when must an insurer file a producer appointment after contract execution or first application submission?

A.Within 10 days

B.Within 15 days

C.Within 30 days

D.By the end of the calendar quarter

Explanation: Section 38-43-50 requires appointment filing within 15 days of contract execution or first application submission. This is a stricter timeline than many producers expect. Appointment timing is a tested compliance detail in South Carolina all-lines law.

About the SC Life & Health Exam

South Carolina uses one combined Life, Accident and Health producer exam (InsSC-LAH03). The exam blends national life/health fundamentals with South Carolina all-lines law, life-specific law, and health-specific law including Medicare supplement and long-term care regulation references.

Questions

140 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

Scaled score of 70

Exam Fee

$59 (South Carolina Department of Insurance (SCDOI) / Pearson VUE)

SC Life & Health Exam Content Outline

38%

Life General Knowledge

Life policy types, riders/provisions/exclusions, underwriting and delivery, retirement concepts, and annuities from the national section

39%

Health General Knowledge

Accident and sickness policy types, clauses/riders, social insurance, field underwriting, disability, medical plans, and related health concepts

14%

South Carolina All-Lines Law

SCDOI authority, licensing, appointments, CE, unfair practices, claims standards, reporting duties, guaranty association basics, and privacy regulation references

South Carolina Life-Specific Law

Life replacement/conversion, life advertising and solicitation, and SC life policy provision/rider references

South Carolina Health-Specific Law

SC accident and health statutory framework, Medicare Supplement regulation references, and long-term care regulation references

How to Pass the SC Life & Health Exam

What You Need to Know

Passing score: Scaled score of 70
Exam length: 140 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $59

Keys to Passing

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

SC Life & Health Study Tips from Top Performers

1Memorize exam logistics first: InsSC-LAH03, 140 delivered items, 150 minutes, scaled 70 passing, and $59 fee

2Prioritize South Carolina all-lines law because it is the largest state-law block (18 of 30 scored state questions)

3Drill life replacement and solicitation scenarios using SC references for replacement and advertising rules

4Practice health-law distinctions among general A&H rules, Medigap requirements, and LTC regulation references

5Treat every question as scored on test day because pretest items are mixed in and not identified

Frequently Asked Questions

How many questions are on the South Carolina Life and Health exam?

InsSC-LAH03 is delivered as 140 total questions in one exam session. Pearson VUE's outline indicates 130 scored questions and 10 pretest questions mixed in.

What are the South Carolina exam time limit, passing score, and fee?

South Carolina lists 150 minutes, a scaled passing score of 70, and a $59 exam fee for InsSC-LAH03.

How is South Carolina state law weighted on this exam?

The state-law section is 30 scored questions total, weighted as 18 all-lines law, 6 life-specific law, and 6 health-specific law.

If I pass one section and fail the other, can I retake only one section?

No. South Carolina candidate materials state that if you pass one section and fail the other, you must retake the entire examination.

What 2026 South Carolina update is relevant to health-law preparation?

SCDOI posted that beginning March 1, 2026, Medicare Supplement filings that include rates must include a new exhibit, and missing exhibits may cause filings to be rejected as incomplete.