North Carolina Insurance License — Exam Prep & Requirements
Regulated by North Carolina Department of Insurance. North Carolina does not issue combined Life & Health or Property & Casualty licenses — Life, Accident & Health, Property and Casualty are four separate licenses with four separate exams. Each is a two-part exam (general plus state law) scored as one; you need an overall pass, not a pass on each part. Pearson VUE delivers them.
Verified 2026-09-23 against NC DOI — Resident prelicensing requirements and exemptions chart (20 hours per line) and Pearson VUE — North Carolina Insurance Licensing Candidate Handbook (#123400).
Pick your line in North Carolina
Each line is a separate license and separate exam. We mirror the NC content outline.
Not sure which one you need? Read the national overview for Life & Health (L&H), Property & Casualty (P&C) or Personal Lines (PL).
Life & Health
L&HSell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.
Property & Casualty
P&CSell property, casualty, auto and commercial lines insurance. Covers homeowners, commercial property, liability coverage, business owner policies, and underwriting fundamentals.
Personal Lines
PLSell personal auto, homeowners, dwelling, and inland marine policies to individuals. A focused subset of P&C with shorter pre-licensing requirements in most states.
North Carolina Insurance License FAQ
How do I get an insurance license in North Carolina?
Complete pre-licensing education (20 hours for L&H, 20 hours for P&C, 20 hours for Personal Lines), pass the state exam, complete a background check, and apply for licensure with North Carolina Department of Insurance. North Carolina does not issue combined Life & Health or Property & Casualty licenses — Life, Accident & Health, Property and Casualty are four separate licenses with four separate exams. Each is a two-part exam (general plus state law) scored as one; you need an overall pass, not a pass on each part. Pearson VUE delivers them.
How much does the North Carolina insurance exam cost?
The exam is $45 per attempt. Same $45 for every line. Fingerprinting is submitted electronically with a $38 fee to NC DOI, and exam-exempt applicants pay a $50 registration fee at NIPR — both separate from the exam. Pre-licensing courses and the license application are billed separately.
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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