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Free NC L&H Exam Prep

North Carolina Life & Health Insurance

Prepare for the NC L&H exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.

Quick Facts

7
Chapters
19
Sections
$0
Our Cost
Updated January 2026
Start Chapter 1

North Carolina Life & Health Insurance

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65 terms3 comparisons

NORTH CAROLINA LIFE AND HEALTH INSURANCE LICENSE EXAM PREP GUIDE 2025-2026: Complete Study Handbook With State Specific Laws and Full Length Practice Questions for Guaranteed Exam Success

$24.99 · Buy on Amazon

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Your Study Path

North Carolina Life & Health Insurance License: Complete Roadmap

Follow this path to organize your licensing and exam preparation

1

Lock in NC Exam Logistics and Licensing StepsYou are here

Memorize line-exam structure, time/fee details, prelicensing requirements, NIPR workflow, and fingerprint timing before deep content review.

14
hours
2

Build Life Domain Mastery

Focus on life policy types, provisions, annuities, replacement/suitability, and NC life statutes under Article 58-58 references.

26
hours
3

Build A&H Domain Mastery

Cover health policy structures, provisions, portability, Medicare supplement, and LTC law citations used in NC outline sections.

26
hours
4

Drill NC Statute and Ethics Scenarios

Run timed mixed sets emphasizing Article 33 licensing, Article 63 unfair trade practices, privacy statutes, and producer conduct.

20
hours
Estimated total study time
86 hours
That's about 9 weeks at 10 hours/week

Can You Take the NC L&H Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
Prelicensing no longer required as of Oct 1, 2025 (recommended)
Fingerprinting
Fingerprints must be submitted within 30 days of electronic resident application
Additional Requirements
  • •Pass the NC Life Agent and/or Accident and Health or Sickness Agent exam for desired authority
  • •Submit resident producer application electronically through NIPR
  • •Report address changes within 10 calendar days
  • •Complete 24 CE hours every 2 years including 3 ethics hours once licensed

NC L&H Quick Facts

Time to Get Licensed

4-8 weeks for most candidates pursuing both lines

From start to license in hand

Exam Provider

Pearson VUE

In-Person Only
Schedule Your Exam

Retake Policy

Retakes are scheduled through Pearson VUE; confirm current attempt and timing rules at scheduling.

Total Cost Breakdown

Exam Fee$45 per exam ($90 for Life + A&H)
Application FeeVaries by resident filing path through NIPR/NCDOI
Fingerprint FeeVendor fingerprint/background fee required
Total Estimated Cost$90+ before application, fingerprint, and vendor transaction fees
Why Choose Us

Free NC L&H Prep Tools

Reported exam pass rate: Not publicly reported by NCDOI/Pearson VUE. Check the exam sponsor for the latest official figure.

631+ Practice Questions

Practice by topic with detailed answer explanations

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Review the latest update date on each resource

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What You'll Study

7 chapters covering the exam topics in this guide

1

Introduction: North Carolina Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: North Carolina Insurance Regulation & Licensing

3 sections

3

Chapter 2: North Carolina Life Insurance Laws

3 sections

4

Chapter 3: North Carolina Health Insurance Laws

3 sections

5

Chapter 4: North Carolina Insurance Ethics & Consumer Protections

3 sections

6

Chapter 5: North Carolina Advanced Annuity Regulations

3 sections

7

Chapter 6: North Carolina Group Insurance & Special Topics

3 sections

NC L&H-Specific Topics Covered

NCDOI authority and elected Commissioner structureSeparate NC Life and Accident/Health line examsSupplemental outline update posted with effective date March 2, 2026 (verify test-date blueprint)Article 33 producer licensing and commission restrictionsArticle 63 unfair methods of competition and deceptive actsNC insurance information and privacy-protection statutes (confirm current supplement citation)Life statutes under Article 58-58 and viatical settlements under Article 71Health statutes including Article 58-50, 58-51, 58-53, 58-3-215, and 58-50-110Resident compliance details including CE, fingerprint timing, and 10-day address updates

NC L&H Exam Details

North Carolina Life & Health Insurance

Administered by North Carolina Department of Insurance (NCDOI) / Pearson VUE

Official Source
Scaled score of 70
Passing Score
Two
Questions
75
Minutes
$45 per exam ($90 for both Life + A&H), plus licensing and fingerprint fees
Exam Fee
Study time: 60-100 hours for both lines
Prerequisites: Prelicensing no longer required as of Oct 1, 2025 (recommended), exam passage, electronic resident application via NIPR, and fingerprint submission within 30 days of application

Exam Content Breakdown

Based on the official North Carolina Department of Insurance (NCDOI) / Pearson VUE content outline

Life General Knowledge37%

Individual life policy types, annuities, policy provisions/riders/options, and other life concepts

Accident & Health General Knowledge37%

Health policy types, provisions/clauses/riders, and other accident and health concepts

NC Common Producer Statutes13%

Article 33 producer licensing, Article 63 unfair practices, and NC privacy-statute compliance

NC Line-Specific Statutes13%

Life statutes (Article 58-58 family) and health statutes (Article 58-50, 58-51, 58-53, 58-3-215, 58-50-110)

What's Included

7 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

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.

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What's Next After the NC L&H?

After passing the NC L&H, you can pursue these career paths

Life & Health (National)

Build core national life and health fundamentals

North Carolina Property & Casualty

Add NC P&C authority for broader producer scope

NC L&H Exam FAQ

Official North Carolina Department of Insurance (NCDOI) / Pearson VUE Resources

Verify information with these official sources

NCDOI LicensingNorth Carolina Insurance Candidate Guide (Oct 2025)North Carolina Content Outlines (supplement effective Mar 2, 2026)NCDOI Resident Producer RequirementsNCDOI Continuing EducationNIPR Licensing Gateway

More Free Resources

Apple PodcastsSpotifyYouTubeBlog & Newsletter
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Ready to Start Your Free NC L&H Prep?

Review the study guide, practice key concepts, and use the free tools at your own pace.

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