Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 1300 practice questions - 401 for Life, 400 for Health, and 534 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

A North Carolina disability income policy pays a monthly benefit while the insured remains disabled. Under the time of payment of claims provision, accrued indemnities must be paid:

At intervals not less frequently than monthly, with any balance remaining unpaid on termination of liability paid immediately upon receipt of due written proof

At intervals not less frequently than monthly, with any balance remaining unpaid on termination of liability paid within 60 days after the insurer determines its total liability

At intervals not less frequently than quarterly, with any balance remaining unpaid on termination of liability paid immediately upon receipt of due written proof

Immediately upon receipt of due written proof at the end of the disability, since periodic indemnities accrue but are not payable until liability terminates

A North Carolina insured wants to sue her insurer over a denied individual health claim. Which statement about timing is correct?

Suit may not be filed until 60 days after written proof of loss was furnished, and must be brought within three years after proof of loss was required to be furnished

Suit may not be filed until 60 days after written proof of loss was furnished, and must be brought within one year after the insurer's written denial of the claim was received

Suit may not be filed until 90 days after written proof of loss was furnished, and must be brought within three years after the date of the loss

Suit may be filed immediately upon written denial of the claim, and must be brought within three years after proof of loss was required to be furnished

Within 30 calendar days after receiving a claim, a North Carolina insurer must send the claimant one of several responses. Which of the following is NOT one of them?

Notice that the claim has been referred to the Commissioner for review

Payment of the claim in accordance with the terms of the health benefit plan

Notice of denial of the claim, sent to the claimant in writing

Notice that the proof of loss submitted is inadequate or incomplete

A health benefit plan claim in North Carolina is paid late in violation of the prompt pay statute. What interest rate applies, and from when?

18% per year, beginning on the date following the day the claim should have been paid

18% per year, beginning on the date the insurer received the claim from the provider

12% per year, beginning on the date following the day the claim should have been paid

18% per year, beginning 30 calendar days after the claimant sends a written demand for payment

In long-term care insurance, what is an elimination period?

A waiting period before benefits become payable after the insured qualifies for benefits

A waiting period after policy issue before coverage for a preexisting condition begins

A period during which the insurer may still contest statements made in the application

A maximum period during which benefits are payable once a covered claim is approved

In a guaranteed renewable health policy, what right does the insurer usually keep?

The right to change premiums by class, subject to policy terms and law

The right to refuse renewal at any anniversary if the insured's health has declined

The right to raise an individual insured's premium based on claims experience

The right to add exclusions for conditions that develop after the policy is issued

What does an optionally renewable health policy allow the insurer to do?

Choose not to renew on a policy anniversary or premium due date, subject to the contract

Renew only if the insured has no claims

Cancel during the grace period only

What is the main purpose of a probationary period in a health insurance policy?

To delay coverage for certain illnesses after the policy starts

To delay payment of benefits after a disability begins

To delay the insurer's right to contest the application

To delay coverage for accidental injury once the policy starts

Which statement best describes the time limit on certain defenses provision?

It limits the insurer's ability to deny claims based on misstatements after a specified period, except as allowed by the policy and law

It limits the insured's ability to sue the insurer over a denied claim once a specified period has passed after proof of loss is filed

It limits the time the insured has to give notice and file proof of loss before the insurer may deny the claim for late filing

It allows the insurer to rescind the policy for any misstatement at any time, provided the misstatement was material to the risk

What does a reinstatement provision usually address?

How a lapsed policy may be put back in force

How a policy may be renewed at each anniversary

How a claim is paid after a policy has lapsed

How overdue premiums are waived during disability

Under many health policies, what is the purpose of a grace period?

To let the insured pay a premium shortly after the due date while coverage may remain in force

To let the insured return the policy shortly after delivery and receive a full premium refund

To let the insurer delay paying a claim shortly after proof of loss while it investigates

To let the insured skip a premium without owing it later while the policy stays in force

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North Carolina Health Insurance Practice Exam Free - 2026

North Carolina eliminated its prelicensing education requirement in October 2025, which means self-directed practice now decides who passes the NCDOI's Pearson VUE exams. These free practice tests are built for exactly that. Access 314+ free Health Insurance questions with detailed explanations.

Exam quick facts. The North Carolina Health Insurance exam: 60 questions in 75 minutes; passing score 70 (scaled); exam fee $45; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

314+ Questions

Unlimited Practice

North Carolina Specific

How the North Carolina Health Insurance exam compares

The North Carolina Health exam is 60 questions, 75 minutes, a scaled passing score of 70. The examination fee is $45 per examination attempt.

It is shorter than the typical Health exam of about 100 questions, so each item carries more weight.

North Carolina requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

Because a large share of the real exam is North Carolina law, this practice bank includes 14 questions written specifically on North Carolina statutes and regulations, each citing the provision it comes from.

Health Insurance questions reviewed by Jennifer Collins — Health & Accident, 9 years' experience, Columbus, OH. Last updated July 29, 2026

Figures above are taken from Pearson VUE North Carolina Insurance Licensing Candidate Handbook (October 2025, #123400) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The North Carolina Health producer exam: general and state parts

North Carolina splits the Health Insurance licensing exam into a general (national) part and a state-specific part on North Carolina law: 60 questions (55 scored + up to 5 pretest); two-part exam (general + NC state law) scored together. Time limit: 75 minutes. Passing: Scaled score of 70 (0-100 scale; not a raw percentage). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from North Carolina's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the North Carolina Department of Insurance.

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North Carolina Health Exam Info

Vendor: Pearson VUE
Questions: 60 questions (55 scored + up to 5 pretest); two-part exam (general + NC state law) scored together
Time limit: 75 minutes
Passing: Scaled score of 70 (0-100 scale; not a raw percentage)
Exam fee: $45 per examination attempt
Prelicensing: None - repealed effective October 1, 2025

Verified July 2026 from the Pearson VUE North Carolina Insurance Licensing Candidate Handbook (October 2025, #123400). Always confirm with the current official candidate handbook.

North Carolina Department of Insurance

More North Carolina Tests

Study Tip

Study the explanation, not the answer. The real exam words questions differently than any practice bank, so understanding why an answer is correct matters far more than memorizing which letter it was.

North Carolina Health Insurance Exam Topics

Affordable Care Act

Coordination & Other Concepts

Disability Income Insurance

Ethics & Regulations

Field Underwriting & Applications

General Principles & Contract Law

Group Health Insurance

Health Insurance Basics

HIPAA & Privacy

Managed Care (HMO/PPO/POS)

Medical Expense Insurance

Medicare & Medicaid

Medicare Supplement & Advantage

Policy Provisions

Prescription Drug Coverage

State Health Programs

Taxation of Health Insurance

Types of Health Policies

Underwriting & Risk

Uniform Policy Provisions

State Insurance Law

Free North Carolina Health Practice Questions with Answers

12 sample questions from the 314-question Health bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Health questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in North Carolina

Prepare for multiple insurance licenses in North Carolina

Life Insurance

North Carolina Exam

Property & Casualty

North Carolina Exam

Health Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official North Carolina Insurance Resources

Important external links for North Carolina insurance licensing information

North Carolina Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

North Carolina Health Insurance Practice Exam Free - 2026

How the North Carolina Health Insurance exam compares

The North Carolina Health producer exam: general and state parts

Choose Your Practice Mode

North Carolina Health Insurance Exam Topics

Free North Carolina Health Practice Questions with Answers

Question 1: A North Carolina disability income policy pays a monthly benefit while the insured remains disabled. Under the time of payment of claims provision, accrued indemnities must be paid:

Question 2: A North Carolina insured wants to sue her insurer over a denied individual health claim. Which statement about timing is correct?

Question 3: Within 30 calendar days after receiving a claim, a North Carolina insurer must send the claimant one of several responses. Which of the following is NOT one of them?

Question 4: A health benefit plan claim in North Carolina is paid late in violation of the prompt pay statute. What interest rate applies, and from when?

Question 5: In long-term care insurance, what is an elimination period?

Question 6: Which health policy renewability provision gives the insurer the least ability to cancel coverage during the policy term?

Question 7: In a guaranteed renewable health policy, what right does the insurer usually keep?

Question 8: What does an optionally renewable health policy allow the insurer to do?

Question 9: What is the main purpose of a probationary period in a health insurance policy?

Question 10: Which statement best describes the time limit on certain defenses provision?

Question 11: What does a reinstatement provision usually address?

Question 12: Under many health policies, what is the purpose of a grace period?

Frequently Asked Questions

How many questions are on the North Carolina Health Insurance exam?

Are these practice tests really free?

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What score do I need to pass the North Carolina insurance exam?

Can I take the practice test on my phone?

Is the North Carolina Health Insurance producer exam one test or two?

Other Insurance Exams in North Carolina

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Official North Carolina Insurance Resources

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