South Carolina Life & Health Insurance Practice Test 2026
Practice the exam South Carolina uses, from general life & health knowledge to South 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 South Carolina's own insurance law.
130 scored questions. The time limit and passing score are set by South Carolina; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the South 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 South Carolina Life & Health test
South Carolina's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Life: Types of Policies15 Qs
- Life: Policy Riders, Provisions, Options, and Exclusions15 Qs
- Life: Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Life: Retirement and Other Insurance Concepts8 Qs
- Accident & Sickness: Types of Policies16 Qs
- Accident and Sickness: Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Accident and Sickness: Other Insurance Concepts5 Qs
- Accident and Sickness: Field Underwriting Procedures8 Qs
- South Carolina Laws and Regulations Pertinent to All Lines18 Qs
- South Carolina Laws and Regulations Pertinent to Life Insurance6 Qs
- South Carolina Laws and Regulations Pertinent to Accident & Health Insurance6 Qs
Source: South Carolina Insurance Supplement - Examination Content Outlines, Effective: September 15, 2026 (Pearson VUE publication #125010) (South Carolina Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the South Carolina exam
South Carolina official sources
- Unfair trade practices in the business of insuranceS.C. Code Ann. ch. 38-57 · South Carolina Legislature (scstatehouse.gov)
- Producers (licensing, appointment, discipline)S.C. Code Ann. ch. 38-43 · South Carolina Legislature (scstatehouse.gov)
- Life insurance policy provisionsS.C. Code Ann. ch. 38-63 · South Carolina Legislature (scstatehouse.gov)
- Accident and health insurance policy provisionsS.C. Code Ann. ch. 38-71 · South Carolina Legislature (scstatehouse.gov)
- Code of Laws Title 38, Chapters 5, 43 and part of 55 (first third)South Carolina Legislative Services Agency, scstatehouse.gov (retrieved via an Internet Archive snapshot of the official site)
- Code of Laws Title 38, Chapters 55, 57, 59, 63 and part of 65 (second third)South Carolina Legislative Services Agency, scstatehouse.gov (retrieved via an Internet Archive snapshot of the official site)
- Code of Laws Title 38, Chapters 65, 71 and 72 (final third)South Carolina Legislative Services Agency, scstatehouse.gov (retrieved via an Internet Archive snapshot of the official site)
All South Carolina insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the South Carolina provisions the questions on this page cite most often.
- S.C. Code Ann. § 38-63-220 · Required Policy Provisions - Grace Period7 questions
- S.C. Code Ann. Title 38 § 38-71-850 · Certification of Creditable Coverage4 questions
- S.C. Code Ann. Title 38 § 38-71-870 · Discontinuance of a Type of Group Coverage4 questions
- S.C. Code Ann. § 38-43-130 · Grounds for Disciplinary Action3 questions
- S.C. Code Ann. Title 38 § 38-65-210 · Group Life Provisions Required in All Policies: Grace Period3 questions
- S.C. Code Ann. Title 38 § 38-72-60 · Prohibited Practices: Cancellation, Nonrenewal, and Termination3 questions
- S.C. Code Ann. § 38-43-20 · Producer's License Required2 questions
- S.C. Code Ann. § 38-57-120 · Unfair discrimination in life insurance and annuities prohibited2 questions
Exam figures on this page were checked against official pages: License fee. Confirm anything you rely on with the testing company and the South Carolina Department of Insurance.