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.
Exam content outline
From the official NC DOI L&H content outline. Mock exams sample at these weights.
| Section | Weight | ≈ Questions |
|---|---|---|
| National-LH-I Life Policy Types | 15% | 15 |
| National-LH-II Life Policy Riders, Provisions, Options, Exclusions | 15% | 15 |
| National-LH-III Application, Underwriting, Delivery | 12% | 12 |
| National-LH-IV Retirement & Other Insurance Concepts | 8% | 8 |
| National-LH-V Health Policy Types | 16% | 16 |
| National-LH-VI Health Policy Provisions, Clauses, Riders | 15% | 15 |
| National-LH-VII Social Insurance | 6% | 6 |
| National-LH-VIII Other Health Insurance Concepts | 5% | 5 |
| National-LH-IX Field Underwriting Procedures | 8% | 8 |
Sample questions
Items from our L&H bank, aligned to the NC NC DOI outline — see the difficulty and explanation depth.
Which rider allows a policyowner to purchase additional insurance without evidence of insurability?
A guaranteed insurability rider allows the policyowner to purchase additional coverage at specified ages or events without proving insurability.
Which type of life insurance provides coverage for a specified period and pays a benefit only if the insured dies during that period?
Term life insurance provides pure death benefit protection for a specified period (term).
Which annuity option pays a fixed benefit for the life of the annuitant, with no benefits paid after the annuitant dies?
A straight life annuity pays for the life of the annuitant only.
What is the typical grace period for a life insurance policy?
Most life insurance policies provide a 31-day grace period during which a premium may be paid without policy lapse.
In a health insurance policy with 80/20 coinsurance, after the deductible is met, what percentage of covered expenses does the insurer pay?
In an 80/20 coinsurance arrangement, the insurer pays 80% and the insured pays 20% of covered expenses after the deductible is satisfied.
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 lawNorth Carolina L&H Exam FAQ
How many questions are on the NC L&H exam?
The North Carolina Life & Health licensing exam has 100 scored questions plus a few unscored pretest items. You have 120 minutes to complete it.
What's the passing score for NC L&H?
70% 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.