North Carolina Insurance Prelicensing Requirements

NORTH CAROLINA INSURANCE PRELICENSING INFORMATION

North Carolina requires potential agents take and complete a state approved prelicensing course before taking their licensing exam.

HOW DO I COMPLETE MY EXAMFX PRELICENSING EDUCATION COURSE?

To earn your certificate of completion, you must:

  • Spend the total amount of the required hours in the course study materials. Time spent within the courses will be tracked by a mass timer.
  • Complete all Study by Topic reading chapters and Study by Topic quizzes. Study by Topic quizzes must be passed with a score of 70% or better and must be taken in order.
  • Complete and pass the certificate exam with a score of 70% or better with a proctor/disinterested third party present. The disinterested third party chosen by the licensee to monitor their simulated exam must have no financial interest in the success or failure of a licensee maintaining an insurance license and must not be a minor, relative, supervisor, or an employee under your line of supervision.

 

LINE OF AUTHORITYREQUIRED HOURS OF STUDY
Life Only20 hours
Accident & Health Only20 hours
Casualty Broker Only20 hours
Property Broker Only20 hours
Personal Lines Agent20 hours
Long Term Care/Medicare Supplement10 hours

DON'T FORGET YOUR GUARANTEE EXAM!

ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you don’t pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

HOW DO I GET MY LICENSE?

Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue an Examination Admission Ticket which you may download and print from your online ExamFX account. Review your ticket for accuracy and complete it by filling in the paperwork as directed by the form. Once you have completed your prelicensing education you have 90 days from the date of completion to take and pass your licensing exam.

Step 2: Complete an electronic application at www.nipr.com. Pay the associated fees. You will receive an Authorization Email from Pearson VUE with your “reserved” NPN (National Producer Number) and other important information. You must complete this step before registering for your licensing examination. Information located within the Authorization Email will be gathered during the test registration process.

Step 3: Schedule your exam with your state’s testing provider, Pearson VUE. The fastest way to schedule your exam is to do so online at www.pearsonvue.com. You can also schedule your exam over the phone at (800) 274-0668. Your examination fee is $45 per examination attempt. To change of cancel your testing appointment, you must contact Pearson VUE at least 48 hours in advance or forfeit the examination fee.

IMPORTANT NOTE: When you register for ExamFX prelicensing courses, schedule your license exam, and/or apply for your license it is important to use the same name that appears on the identification forms you plan to present at the time of your testing appointment.

Step 4: Take and pass you state licensing exam. On the day of your appointment you must bring with you two valid forms of government issued identification (driver’s license, passport, military I.D., etc.) the primary of which must contain a photograph with a signature and the secondary of which must contain a signature. It is necessary to bring your Examination Admission Ticket provided to you by ExamFX at the time of course completion. You will not be able to take your exam if these requirements are not met.

Candidates who fail the exam will receive a score report that includes a numeric score and diagnostic information relating to the general portion of the examination. Candidates who pass the exam will receive a score report marked “pass.”

Pearson VUE will electronically submit passing scores for the examination to NIPR to match up with your pending application.

Step 5: Be aware that the state of North Carolina requires fingerprinting to process your license application. After completing the electronic NIPR application, you will be emailed a link that allows you to print the Fingerprint Submission Packet-Releases Form. Call your local law enforcement to obtain a schedule of the days/hours for fingerprinting services; confirm that the office will do Livescan fingerprints for non-criminal reasons.

Upon your fingerprinting appointment you must take with you the Fingerprint Submission Packet-Releases Form. Be sure to include the cover page and complete pages 1 and 3 of the packet before this appointment. You must bring a photo ID. You must have the law enforcement person sign page 2 of the packet. There may be a fee associated with this service.

Upon completion of this crucial step, send the completed form pages 1 through 3 to the North Carolina Licensing Office at Pearson VUE via: 1) fax at 888-959-3010, 2) scan the documents and send via email to [email protected], or 3) Mail to: NCDOI/Pearson VUE, P.O. Box 14209, Raleigh, NC 27620.

Your fingerprints will be sent electronically to the SBI for the state and national criminal check. The SBI will send a hard copy of the criminal record check to the North Carolina Licensing Office at Pearson VUE.

Step 6: If all requirements are met, the North Carolina Licensing Office at Pearson VUE will approve the application. You will receive an email notifying you to print your license within 48 to 72 hours.

Step 7: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements. Click here to view your state’s education rules and stay on top of your license.

WHAT WILL MY EXAM BE LIKE?

Your exam experience is dependent on the line of authority you are testing for. Carefully review the below examination breakdowns to learn important factors like:

 

  1. the number of questions on your exam
  2. the time limit
  3. the subjects that you will be tested on
  4. the score that you must achieve to pass the exam

 

North Carolina Life Insurance and Annuity Examination
60 Questions (55 scored, 5 pretest)
Time limit: 75 Minutes
Passing score: 70%

CHAPTER PERCENTAGE OF EXAM
General Knowledge:
Types of Individual Life Insurance 31%
Life Policy Provisions, Options and Other Features 20%
Annuities 9%
Other Life Topics 15%
State Law:
North Carolina Laws, Rules and Regulations Pertinent to Life 25%

North Carolina Accident and Health Examination
60 Total Questions (55 scored, 5 pretest)
Time limit: 75 Minutes
Passing score: 70%

CHAPTER PERCENTAGE OF EXAM
General Knowledge:
Accident and Health Policies 40%
Accident and Health Provisions 20%
Other Accident and Health Insurance Concepts 15%
State Law:
North Carolina Statutes and Regulations for Accident and Sickness Only 25%

North Carolina Property Insurance Examination
60 Total Questions (55 scored; 5 pretest)
Time limit: 75 Minutes
Passing score: 70%

CHAPTER PERCENTAGE OF EXAM
General Knowledge:
Insurance Terms and Concepts 13%
Personal Insurance Coverages 45%
Commercial Insurance Coverages 18%
State Law:
North Carolina Laws and Regulations Pertaining to Property Insurance 24%

North Carolina Casualty Insurance Examination
60 Total Questions (55 scored; 5 pretest)
Time limit: 75 Minutes
Passing score: 70%

CHAPTER PERCENTAGE OF EXAM
General Knowledge:
Insurance Terms and Concepts 13%
Personal Insurance Coverages 33%
Commercial Insurance Coverages 27%
State Law:
North Carolina Statutes and Regulations Pertinent to Casualty Insurance 27%

I FAILED MY EXAM. NOW WHAT?

We are sorry to hear that you have failed your first attempt at passing your state’s licensing exam. These licensing exams are difficult and some candidates must try again to reach their goal. We want to help you get there, so we recommend that you:

Step 1: Be aware of retake limitations and rules. In North Carolina, an Examination Admission Ticket is a valid for 90 days or 5 examination attempts over the 90-day period, whichever comes first.

Step 2: Reschedule your exam. You must re-register by following the initial registrations and scheduling steps.

Step 3: ExamFX’s subject matter experts are available by email at [email protected] to help you pass your licensing exam on your next attempt. Many testing providers will supply you with a score report or performance summary after your testing appointment. Use this report to let the ExamFX subject matter experts know what areas of the exam that you are struggling the most with.

Step 4: Study your materials. ExamFX materials are created by analyzing the exact testing outline supplied by your testing provider or Department of Insurance. This means that all the information that you need to pass your exam is within your course. Be confident that with more studying, you can pass your licensing exam and achieve your goals!

The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to make sure that the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their states requirements.