North Carolina Life & Health Insurance Practice Test 2026
Practice the exam North Carolina uses, from general life & health knowledge to North Carolina's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus North Carolina's own insurance law.
Life 55, Health 55 scored questions. The time limit and passing score are set by North Carolina; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
Study by topic
Master each topic before your North Carolina exam. First 4 topics are free to start.
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About the North Carolina Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the North Carolina Life & Health test
North Carolina's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Individual Life Insurance17 Qs
- Annuities5 Qs
- Policy Provisions, Options, and Other Features11 Qs
- Other Life Topics8 Qs
- North Carolina Statutes and Regulations Pertinent to Life14 Qs
- Accident & Health Insurance Policies22 Qs
- Accident & Health Insurance Provisions11 Qs
- Other Accident & Health Topics8 Qs
- North Carolina Statutes and Regulations Pertinent to Accident & Health14 Qs
Source: North Carolina Insurance Supplement effective March 2, 2026; Pearson VUE #123415 (North Carolina Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the North Carolina exam
North Carolina official sources
- Unfair methods of competition and deceptive acts definedN.C. Gen. Stat. s. 58-63-15 · North Carolina General Assembly (ncleg.gov)
- General Statutes Chapter 58, Articles 1, 3 and 34 (first third)North Carolina General Assembly, ncleg.gov (retrieved via an Internet Archive snapshot of the official site)
- General Statutes Chapter 58, Articles 34 through 58 (second third)North Carolina General Assembly, ncleg.gov (retrieved via an Internet Archive snapshot of the official site)
- General Statutes Chapter 58, Articles 58 through 67 (final third)North Carolina General Assembly, ncleg.gov (retrieved via an Internet Archive snapshot of the official site)
All North Carolina insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the North Carolina provisions the questions on this page cite most often.
- N.C. Gen. Stat. § 58-63-15 · Boycott, Coercion and Intimidation17 questions
- N.C. Gen. Stat. Chapter 58 § 58-58-210 · Investigation and Findings Required Before License Issuance6 questions
- N.C. Gen. Stat. Chapter 58 § 58-63-15 · Boycott, Coercion and Intimidation5 questions
- N.C. Gen. Stat. Chapter 58 § 58-58-30 · Soliciting Agent Represents the Company3 questions
- N.C. Gen. Stat. § 58-58-22 · Individual policy standard provisions; Reinstatement2 questions
- N.C. Gen. Stat. Chapter 58 § 58-3-150 · Forms to be approved by Commissioner2 questions
- N.C. Gen. Stat. Chapter 58 § 58-58-230 · Examinations2 questions
- N.C. Gen. Stat. § 58-3-225 · Prompt claim payments under health benefit plans1 question
Exam figures on this page were checked against official pages: Pre-licensing · Exam fee · License fee. Confirm anything you rely on with the testing company and the North Carolina Department of Insurance.