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NC • L&H

North Carolina Life & Health Insurance Exam — Practice Test & Study Guide

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

North Carolina-specific content is rolling in

Our national NAIC-aligned L&H bank works today — it covers most of the NC exam's general-knowledge sections. NC DOI regulations and North Carolina-specific statutes are in active development. Start practicing now to build a baseline; check back as we expand the NC layer.

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Our mock exam
100 questions
what you sit here, not the state's count
Official time limit
75 min
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Pre-licensing
20h
required in NC

Exam content outline

From the official NC DOI L&H content outline. Mock exams sample at these weights.

SectionWeight≈ Questions
National-LH-I Life Policy Types15%15
National-LH-II Life Policy Riders, Provisions, Options, Exclusions15%15
National-LH-III Application, Underwriting, Delivery12%12
National-LH-IV Retirement & Other Insurance Concepts8%8
National-LH-V Health Policy Types16%16
National-LH-VI Health Policy Provisions, Clauses, Riders15%15
National-LH-VII Social Insurance6%6
National-LH-VIII Other Health Insurance Concepts5%5
National-LH-IX Field Underwriting Procedures8%8

Sample questions

Items from our L&H bank, aligned to the NC NC DOI outline — see the difficulty and explanation depth.

Q1 • Social Insurancemedium

The Quick Disability Determination (QDD) process at SSA is designed to:

AProvide instant cash benefits to the claimant during the initial five-month statutory waiting period before any decision.
BUse a predictive model to identify claims with a high likelihood of allowance for expedited DDS processing.
CBypass the medical evidence requirement entirely for any impairment that is expected to be short-term in its duration.
DReplace administrative law judge hearings with binding private arbitration proceedings conducted outside the agency.
Why

QDD uses a predictive computer model to flag likely-allowance claims for fast DDS handling, separate from the condition-based CAL list.

Q2 • Life Policy Typeseasy

A 30-year decreasing term policy is sold as mortgage protection on a 30-year amortizing home loan. Across the policy's life, the:

APremium decreases each year on a set declining schedule while the death benefit stays level at the original face for the full 30-year term
BPremium stays level while the death benefit decreases on a schedule designed to track the declining mortgage balance
CPremium and death benefit both increase each year, indexed upward together to keep pace with general consumer price inflation over the term
DPremium and death benefit both decrease each year proportionally and in lockstep over the entire 30-year policy term
Why

Decreasing term: level premium, declining death benefit tracking mortgage amortization. Premium is flat throughout.

Q3 • Health Provisionsmedium

Under COBRA (29 USC §1162(2)), what is the maximum continuation period for a qualified beneficiary whose qualifying event is the death of the covered employee?

A18 months
B29 months
C24 months
D36 months
EIndefinite, until Medicare eligibility
Why

Death of the covered employee is a 36-month qualifying event for spouse/dependents.

Q4 • Health Provisionsmedium

Under HIPAA (26 USC §9802(a); 29 CFR §2590.702), a group health plan may NOT discriminate in eligibility or premiums based on which of the following 'health factors'?

AGeographic rating area, which carriers may still lawfully use to vary their group premiums from one region to another across a service area
BTobacco use, which remains subject to the permissible wellness-program incentive and tobacco-surcharge rules that the regulations expressly allow
CBona fide employment classification, such as full-time versus part-time or salaried versus hourly status applied across the workforce
DGenetic information, medical history, claims experience, or disability of a participant
ELength of service or a bona fide waiting period applied uniformly to every newly hired employee before plan eligibility begins
Why

HIPAA §9802 bars discrimination based on 8 health factors including genetic information, claims experience, and disability.

Q5 • Health Provisionsmedium

Under HIPAA special enrollment rules (26 USC §9801(f); 29 CFR §2590.701-6), within how many days of a marriage, birth, adoption, or placement for adoption must an employee request special enrollment in a group health plan?

A15 days
B30 days
C60 days
D90 days
EDuring the next annual open enrollment only
Why

30 days for marriage/birth/adoption special enrollment under HIPAA.

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North Carolina state law module

State-specific laws and regulations make up 10–20% of the NC L&H exam. Our markdown-based state-law module walks through what NC DOI actually tests.

Read NC L&H state law

North Carolina L&H Exam FAQ

How long is the NC L&H exam?

North Carolina Department of Insurance allows 75 minutes for the North Carolina Life & Health exam. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.

What's the passing score for NC L&H?

undefined% is the passing score in North Carolina, calculated against the scored question count. NC DOI reports results immediately at the test center.

How long should I study for the NC L&H exam?

Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the North Carolina L&H exam?

NC DOI contracts with major proctored-exam vendors. Check the North Carolina Department of Insurance website for an up-to-date list of test centers in North Carolina.

Are these practice questions matched to the NC outline?

Our national NAIC-aligned bank serves the L&H general-knowledge sections (~60–80% of every state's exam). NC-specific regulations, NC DOI statutes, and state-law modules are in active content development — practice now to build a baseline, then return as NC-specific items roll in.

How much does EstatePass cost? Do I need a separate plan for L&H?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.