Free NC Insurance Exam Questions & Answers PDF - 1,056 Questions

Download the North Carolina PDF (209 pages, 1,056 questions)

Every question comes with its correct answer, a plain-English explanation and the N.C. General Statutes or N.C. Administrative Code citation it rests on. These are original practice questions, not actual exam questions: we wrote them against the Pearson VUE North Carolina content outline, and nothing in the file replaces the official candidate handbook.

If you searched for an NC life insurance exam questions and answers PDF, this is the file: 1,056 printable practice questions for the North Carolina life, health, property and casualty producer exams in one download. The first section is the 60 North Carolina-law questions that power this site's NC mock exams - 18 life, 18 health and 24 property and casualty - written for the state-law part of the two-part NC exam and cited to Chapter 58 of the General Statutes and Title 11 of the Administrative Code. After them come the 996 national questions the general part draws on. No registration, no email, no watermark. Last updated September 2026.

What is in the North Carolina PDF

Page one is a cover sheet with the exam facts below. The NC-law questions are printed first, grouped by line, so you can tear off just that section; the national questions follow, also grouped by line; the answer key at the back lists the correct letter, the explanation and the citation for all 1,056 questions.

North Carolina exam facts (verified July 2026)

Every North Carolina producer exam is delivered by Pearson VUE and scored on a 0-100 scale; you need a scaled score of 70, which is not the same thing as answering 70% correctly.

Two things about the NC exams trip up candidates who studied for another state. First, North Carolina tests Property and Casualty as separate licenses with separate exams - there is no combined P&C exam - so the 24 property and casualty law questions in this file serve both sittings. Second, prelicensing education: None - repealed effective October 1, 2025. You can schedule the exam without a course, which makes a complete question bank with explanations more important, not less.

Verified July 2026 from the Pearson VUE North Carolina Insurance Licensing Candidate Handbook (October 2025, #123400) - read the official handbook at Pearson VUE. Where this page and the current handbook disagree, the handbook is right and we owe a correction.

The North Carolina law topics this PDF covers

The state-law part of the NC exam is written from Chapter 58 of the North Carolina General Statutes (the insurance code), Chapter 20 (motor vehicles), Chapter 97 (workers' compensation) and the Department of Insurance rules in Title 11 of the N.C. Administrative Code. Every question in the file cites one of them. By line:

Life (18 questions)

• Required individual life provisions: the 31-day grace period, two-year incontestability, two-year suicide limit with return of premiums, and five-year reinstatement - N.C.G.S. 58-58-22
• The "Ten Day Free Look" sticker on every life and annuity policy, stretched to a 30-day unconditional refund when the policy replaces another - 11 NCAC 12 .0447, 12 .0612(a)(4)
• Replacement duties: reading and signing the replacement notice at application, and the five-business-day notice to the existing insurer - 11 NCAC 12 .0605, 12 .0612(a)(2), (3)
• The soliciting agent represents the company, not the insured - N.C.G.S. 58-58-30
• The Life and Health Insurance Guaranty Association's single $300,000 per-life cap and the ban on using the association as a sales inducement - N.C.G.S. 58-62-21, Ch. 58, Art. 62
• Appointment filing within 15 days of the first application - N.C.G.S. 58-33-40
• Continuing education: 24 ICECs per biennial period including 3 ICECs of ethics, due by the last day of the licensee's birth month in odd or even years - 11 NCAC 06A .0802, N.C.G.S. § 58-33-130
• Annuity suitability under NAIC Model Regulation #275 as incorporated by North Carolina - 11 NCAC 12 .0462
• Retained asset account disclosures when a death claim is paid by draft kit - 11 NCAC 12 .1602, .1603
• Reporting a residential or e-mail address change within 10 business days, and the $50 fee for missing it - N.C.G.S. § 58-2-69(b)
• The three-year life advertising file - 11 NCAC 12 .0431

Health (18 questions)

• The uniform individual accident and health provisions, where NC departs from the NAIC model: 7/10/31-day grace periods by premium mode, the two-year time limit on certain defenses, automatic reinstatement on the 45th day after a conditional receipt, 20-day notice of claim, the 15-day claim-forms rule, 180-day proof of loss with a one-year outer limit, monthly payment of periodic benefits, and the 60-day wait and three-year limit on legal actions - N.C.G.S. 58-51-15(a)(2) through (a)(11)
• Prompt pay: the four permitted responses within 30 calendar days and 18% annual interest from the day after payment was due - N.C.G.S. 58-3-225
• Group continuation after three consecutive months of coverage - N.C.G.S. 58-53-10
• Medigap: the six-month open enrollment triggered by Part B at 65, and Plans A, D or G for beneficiaries under 65 - N.C.G.S. Ch. 58, Art. 54 and NCDOI SHIIP guidance
• CE for an accident and health licensee, and what happens when the hours are short: expiration, the 120-day reinstatement window and the $75 fee - 11 NCAC 06A .0802, .0807, N.C.G.S. § 58-33-130(c)
• The four-year accident and health advertising file - 11 NCAC 12 .0533
• Proving licensure to the public with the National Producer Number and the Department's contact details - 11 NCAC 04 .0423

Property and casualty (24 questions)

• The North Carolina Rate Bureau: mandatory membership before writing homeowners, nonfleet auto or workers' compensation; the lines it rates; downward deviations and their termination; consent-to-rate disclosure in 14-point bold capitals; the age-55 deviation - N.C.G.S. 58-36-1, 58-36-5, 58-36-30
• The Safe Driver Incentive Plan: what counts as a conviction, and the three- and five-year surcharge periods - N.C.G.S. 58-36-65
• Auto liability minimums of 50/100/50, UIM in every new and renewed policy, and when underlying limits are "exhausted" - N.C.G.S. 20-279.21
• The Reinsurance Facility's "clean risk" definition - N.C.G.S. 58-37-35
• Surplus lines placement after a diligent search of admitted insurers - N.C.G.S. 58-21-15, 58-21-20
• The Coastal Property Insurance Pool (the former Beach Plan) and the statutory beach area versus the 18-county coastal area - N.C.G.S. 58-45-5
• The Insurance Guaranty Association's $500,000 claim cap and $10,000 unearned-premium cap - N.C.G.S. 58-48-35
• The standard fire policy: five-day cancellation, 60-day proof of loss, payment 60 days after proof - N.C.G.S. 58-44-16
• Personal auto termination and nonrenewal: 15 days for nonpayment, 60 days for anything else, and what the Department accepts as proof of mailing - N.C.G.S. 58-36-85, 11 NCAC 04 .0430
• Commercial cancellation and nonrenewal under Article 41: the 60-day underwriting window, 15-day cancellation notice, 45-day nonrenewal notice and 30-day notice of deductible or rate increases - N.C.G.S. 58-41-15, 58-41-20
• Workers' compensation: the three-employee threshold and officers who count toward it - N.C.G.S. § 97-2, § 97-13
• Holding a producer license and an adjuster license at the same time after the 2024 repeal - N.C.G.S. § 58-33-26

Sample North Carolina questions with answers

One question per line, reproduced from the PDF's answer key without edits - each picked because North Carolina's rule differs from the NAIC model most national guides teach.

Question 1 (Life). A North Carolina resident held three life policies totaling $650,000 of death benefit with an insurer that becomes insolvent. What is the maximum the North Carolina Life and Health Insurance Guaranty Association will cover for that one life?

• A. $100,000, matching the cash value sublimit
• B. $300,000 for all life insurance benefits combined, including cash values
• C. $300,000 in death benefit plus a separate $100,000 in cash value
• D. $500,000, because multiple policies were issued

Answer: B. $300,000 for all life insurance benefits combined, including cash values. North Carolina applies a single combined cap of $300,000 with respect to any one life for all life insurance benefits including cash values, regardless of how many policies were issued. This differs from the NAIC model approach of separate death benefit and cash value sublimits, so an answer splitting the cap is wrong; the $500,000 figure applies to health benefit plans, not life. See N.C.G.S. 58-62-21(b)(2), (b)(6).

Question 2 (Health). A producer trained in another state tells a North Carolina client that proof of loss on an individual health claim is due within 90 days of the date of loss. What is the correct North Carolina period?

• A. 60 days after the date of loss
• B. 90 days after the date of loss, matching the NAIC model
• C. 120 days after the date of loss
• D. 180 days after the date of loss

Answer: D. 180 days after the date of loss. North Carolina deviates from the 90-day period used in the NAIC model and most states: written proof of loss is due within 180 days after the termination of the period for which the insurer is liable on periodic-payment claims, and within 180 days after the date of loss for any other claim. The 60-day and 120-day figures do not appear in the provision at all. See N.C.G.S. 58-51-15(a)(7).

Question 3 (Property and casualty). A North Carolina producer writes a new personal auto policy in 2026 with the statutory minimum limits. Which statement about the policy's required liability and underinsured motorist (UIM) coverage is correct?

• A. Minimum limits are 30/60/25 and UIM is optional at the insured's election
• B. UIM is required only if the insured buys limits above the statutory minimum
• C. Minimum limits are 50/100/50 but UIM can be rejected in writing
• D. Minimum limits are $50,000 per person, $100,000 per accident for bodily injury and $50,000 for property damage, and UIM coverage is included in all new and renewed policies

Answer: D. Minimum limits are $50,000 per person, $100,000 per accident for bodily injury and $50,000 for property damage, and UIM coverage is included in all new and renewed policies. Legislation effective July 1, 2025 (S.L. 2023-133, as amended by S.L. 2024-29) raised North Carolina's minimum liability limits from 30/60/25 to $50,000 per person and $100,000 per accident for bodily injury and $50,000 per accident for property damage, and provided that underinsured motorist coverage is included in all new or renewed policies from that date. Option A states the pre-July 2025 limits and the old rule under which minimum-limits policies did not carry UIM. Option B describes the former rule that UIM applied only to policies written above the minimum. Option C is wrong because UIM is now part of every new or renewed policy rather than rejectable at minimum limits. See N.C.G.S. § 20-279.21, as amended by S.L. 2023-133.

Rules that changed recently

Older NC study guides and flashcard sets still teach the pre-2025 rules on several of these points. The questions below were reviewed on September 28, 2026 and state the law as it now reads:

• Auto liability minimums and UIM (effective July 1, 2025). The minimum limits rose from 30/60/25 to 50/100/50, and underinsured motorist coverage is included in every new or renewed policy rather than only in policies written above the minimum - N.C.G.S. § 20-279.21, S.L. 2023-133 as amended by S.L. 2024-29. If your material says 30/60/25, it is out of date.
• Producer plus adjuster licenses (effective July 2, 2024). Senate Bill 319 repealed G.S. 58-33-26(p), so a property, casualty or personal lines producer may now also hold an adjuster license; the same act let either the insurer or the producer file an appointment cancellation under § 58-33-40(e).
• Annuity recommendations (effective January 1, 2023). North Carolina incorporated NAIC Model Regulation #275 as adopted in 2020, so fixed and fixed indexed annuity recommendations are judged under that standard - 11 NCAC 12 .0462.
• Prelicensing education (October 1, 2025). Per the handbook the NC exam facts were verified from, the prelicensing course requirement was repealed effective October 1, 2025. That is an exam-eligibility change, not a tested rule, but it changes how most candidates prepare.

When a cited section is amended, the affected question is rewritten, the PDF is regenerated, and the "last updated" line at the top of this page moves with it.

How to study with this PDF

1. Start with the NC-law section for your line - 18 questions for life, 18 for health, 24 for property or casualty - and answer on paper before opening the key. The state-law part is the part no national guide covers.
2. Read the explanation for every question, not just the misses. NC's numbers are deliberately different from the model acts: 180 days for health proof of loss where most states use 90, a single $300,000 guaranty cap where the NAIC model splits it, 60 days' notice to nonrenew an auto policy but 15 to cancel for nonpayment. The exam rewards knowing which number is North Carolina's.
3. Sit the timed 60-question, 75-minute NC mock for your line online - life, health or property and casualty. It mixes the NC-law questions into the national bank the way the real two-part exam does and explains every answer.
4. Then work through the national section for your line in this file. Remember the passing standard is a scaled 70, so aim well above 70% on practice sets rather than treating 70% as the finish line.
5. Sitting both Property and Casualty? The 24 property and casualty law questions cover the state-law part of both exams; do them twice, once before each sitting.

Practice North Carolina questions online

• NC life insurance practice exam - timed 60-question mock with explanations, the national bank plus the 18 NC-law questions
• NC health insurance practice exam - timed 60-question mock with explanations, the national bank plus the 18 NC-law questions
• NC property and casualty practice exam - built to the 60-question, 75-minute Property exam format, with the 24 NC-law questions

Other free PDFs

If you only want the general-knowledge part, the national banks are also available as separate line PDFs from the hub:

• Free insurance exam questions and answers PDFs - all lines
• Life insurance PDF - 306 national questions
• Health insurance PDF - 300 national questions
• Property and casualty PDF - 390 national questions

Download the North Carolina PDF (60 NC-law questions + 996 national)

This PDF and the practice tests are an independent study resource. They are not affiliated with the North Carolina Department of Insurance or Pearson VUE. Verify current licensing requirements, fees and exam details with NCDOI and the official candidate handbook.