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.

Before an individual life insurance or annuity policy is issued for delivery in North Carolina, the insurer must ensure that a free look provision is displayed by sticker or printed on the face of the policy. That provision must be labeled as which of the following?

A Forty-Five Day Right of Examination

A North Carolina applicant buys a new life policy that replaces an existing one. What return right must the replacing insurer disclose to the owner?

A 30-day right to return the contract for an unconditional full refund of all premiums, including policy fees and charges

A 10-day right to return the contract for a full refund of premiums, the same free look that applies to any new policy

A 20-day right to return the contract for a refund of premiums paid, less any policy fees and charges already incurred

A 30-day right to return the contract for the greater of its cash surrender value or the premiums paid, less policy fees and charges

A North Carolina insurer receives a completed life application marked as involving a replacement. Within what time must it notify the existing insurer that may be affected?

Within five business days of receipt of the completed application

Within 10 calendar days of policy delivery

Within 15 business days of receipt of the completed application

Within 30 days of the first premium payment

What distinguishes an immediate annuity from a deferred annuity?

An immediate annuity generally begins income payments soon after purchase

An immediate annuity may be funded with a series of periodic premium payments

A deferred annuity must begin income payments within one year of purchase

An immediate annuity offers a longer accumulation period than a deferred annuity

For federal income tax purposes, life insurance death benefits paid in a lump sum to a beneficiary are generally:

taxed only if the insured was under age 65

always taxed as ordinary income

paid only after a probate court approves the insurer

Which part of a life insurance settlement option may be taxable to the beneficiary?

Interest earned on retained proceeds

The beneficiary designation itself

Cash value growth inside a permanent life insurance policy is generally taxed:

on a tax-deferred basis while it remains in the policy

as ordinary income in the year the interest is credited

as a capital gain reported annually by the policyowner

as fully tax-exempt income, including any gain taken at surrender

A policyowner withdraws more than the cost basis from a life insurance policy. The excess is generally treated as:

an automatic beneficiary change

Life insurance policy loans are generally:

not taxable when taken, if the policy remains in force

taxable as ordinary income in the year the loan is received

taxable to the beneficiary when the death benefit is later paid

limited to the premiums paid and free of interest charges

Premiums paid for an individual life insurance policy are generally:

not deductible as a personal expense

deducted only by the beneficiary

fully deductible by every policyowner

100% Free - No Registration Required

North Carolina Life 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 312+ free Life Insurance questions with detailed explanations.

Exam quick facts. The North Carolina Life 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

312+ Questions

Unlimited Practice

North Carolina Specific

How the North Carolina Life Insurance exam compares

The North Carolina Life 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 Life exam of about 96 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 12 questions written specifically on North Carolina statutes and regulations, each citing the provision it comes from.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. 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 Life producer exam: general and state parts

North Carolina splits the Life 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.

Choose Your Practice Mode

Mock Exam

Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

Quiz Mode

Practice with immediate feedback on each question

Instant feedback
See explanations
Track progress

Review Mode

Study all questions with answers visible

All answers shown
Full explanations
Study at your pace

Make Your Own Test

Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
5-150 questions, timed or untimed
Keeps your North Carolina selection

North Carolina Life 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 Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free North Carolina Life Practice Questions with Answers

12 sample questions from the 312-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

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

Frequently Asked Questions

Other Insurance Exams in North Carolina

Prepare for multiple insurance licenses in North Carolina

Health Insurance

North Carolina Exam

Property & Casualty

North Carolina Exam

Life 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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Choose a practice mode above and begin your free North Carolina Life Insurance exam preparation today.

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

North Carolina Life Insurance Practice Exam Free - 2026

How the North Carolina Life Insurance exam compares

The North Carolina Life producer exam: general and state parts

Choose Your Practice Mode

North Carolina Life Insurance Exam Topics

Free North Carolina Life Practice Questions with Answers

Question 2: Before an individual life insurance or annuity policy is issued for delivery in North Carolina, the insurer must ensure that a free look provision is displayed by sticker or printed on the face of the policy. That provision must be labeled as which of the following?

Question 3: A North Carolina applicant buys a new life policy that replaces an existing one. What return right must the replacing insurer disclose to the owner?

Question 4: A North Carolina insurer receives a completed life application marked as involving a replacement. Within what time must it notify the existing insurer that may be affected?

Question 5: What distinguishes an immediate annuity from a deferred annuity?

Question 6: For federal income tax purposes, life insurance death benefits paid in a lump sum to a beneficiary are generally:

Question 7: Which part of a life insurance settlement option may be taxable to the beneficiary?

Question 8: Cash value growth inside a permanent life insurance policy is generally taxed:

Question 9: A policyowner withdraws more than the cost basis from a life insurance policy. The excess is generally treated as:

Question 10: Life insurance policy loans are generally:

Question 11: Premiums paid for an individual life insurance policy are generally:

Question 12: If a life insurance policy is surrendered for more than the policyowner's cost basis, the gain is generally:

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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 Life Insurance producer exam one test or two?

Other Insurance Exams in North Carolina

Life Insurance Exams in Nearby States

Official North Carolina Insurance Resources

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Life practice tests by state