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North Carolina Insurance License — Exam Prep & Requirements

Regulated by North Carolina Department of Insurance. Pearson VUE delivery. NC has separate Life and Health exams that can be taken individually.

Exam fee
$45
Paid to NC DOI test center
L&H pre-licensing
40 hours
Required before sitting the exam
P&C pre-licensing
40 hours
Required before sitting the exam
Personal Lines
20 hours
Subset of P&C, shorter path

Pick your line in North Carolina

Each line is a separate license and separate exam. We mirror the NC content outline.

Life & Health

L&H

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

Open NC L&H prep

Property & Casualty

P&C

Sell property, casualty, auto and commercial lines insurance. Covers homeowners, commercial property, liability coverage, business owner policies, and underwriting fundamentals.

Open NC P&C prep

Personal Lines

PL

Sell personal auto, homeowners, dwelling, and inland marine policies to individuals. A focused subset of P&C with shorter pre-licensing requirements in most states.

Open NC PL prep

North Carolina Insurance License FAQ

How do I get an insurance license in North Carolina?

Complete pre-licensing education (40 hours for L&H, 40 hours for P&C, 20 hours for Personal Lines), pass the state exam administered by NC DOI, complete a background check, and apply for licensure. Pearson VUE delivery. NC has separate Life and Health exams that can be taken individually.

How much does the North Carolina insurance exam cost?

The exam itself is $45 per attempt, paid at the test center. Total cost including pre-licensing courses and license application fees is typically $300–$700 depending on which lines you pursue.

Who regulates insurance licensing in North Carolina?

North Carolina Department of Insurance (NC DOI) handles all producer licensing, exam approval, and continuing education in North Carolina.

Can I take more than one insurance line at a time in North Carolina?

Yes — most candidates take L&H and P&C separately, but you can schedule both on the same day if you’re ready. Personal Lines is a faster subset of P&C if you only plan to sell to individuals.

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