NC L&H
North Carolina Life & Health Insurance License Exam
North Carolina regulates Life & Health producer licensing through North Carolina Department of Insurance (NCDOI), with the exam delivered by Pearson VUE. Important North Carolina does not offer a combined 'Life, Accident & Health' license/exam; Life Agent and Accident and Health or Sickness Agent are separate major lines of authority, each with its own exam, its own separate 20-hour prelicensing course, its own $45 exam fee, and 1hr15min time limit (per the official October 2025 Pearson VUE NC Candidate Handbook). North Carolina requires 20 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for North Carolina, covering national concepts plus North Carolina statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
NC L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | North Carolina Life & Health Insurance License Exam |
| Governing Body | North Carolina Department of Insurance (NCDOI) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | North Carolina Department of Insurance (NCDOI) official website ↗ |
NC L&H Content Areas and Domains
Domain areas are sourced from the North Carolina Department of Insurance (NCDOI) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ North Carolina insurance law and regulations
How C3RT Helps You Pass the NC L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the NC L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real NC L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample NC L&H Practice Questions
Q1.In North Carolina, what is the maximum period an insurer may use to define a preexisting condition for a disability insurance policy?
- A 12-month period (as defined in policy language)
- A 36-month period
- A 48-month period
- A 24-month periodCorrect
North Carolina law mandates that a preexisting condition cannot be defined more restrictively than a 24-month period preceding the effective date. The 12-month and 36-month options are incorrect as they do not align with the specific state-mandated limit.
Q2.In the state of North Carolina, what requirement must be included in every disability income insurance policy regarding its continuation?
- Renewability is optional for the insurer.
- Only group policies are required to have renewability provisions.
- Provisions addressing terms of renewability.Correct
- A provision stating that the policy cannot be renewed after the first year.
North Carolina law mandates that every disability income insurance policy must include provisions addressing terms of renewability. The other options incorrectly suggest that renewability is optional or limited only to group policies.
Q3.An insurance company is drafting a new disability income policy specifically for residents of North Carolina. Which provision must be included in the contract to comply with state law?
- A clause stating that renewability is optional for the insurer.
- A clause allowing the insurer to cancel coverage without notice.
- Renewability provisions required only for group policies.
- Provisions addressing the specific terms of renewability.Correct
North Carolina law requires every disability income insurance policy to include provisions addressing terms of renewability. The other options are incorrect because renewability is a mandatory requirement for all such policies in this state, not just group plans or optional clauses.
NC L&H Frequently Asked Questions
What does NC L&H stand for?
NC L&H stands for North Carolina Life & Health Insurance License Exam. It is administered by North Carolina Department of Insurance (NCDOI).
Who administers the NC L&H?
The North Carolina Life & Health Insurance License Exam (NC L&H) is administered by North Carolina Department of Insurance (NCDOI). For official information, visit the North Carolina Department of Insurance (NCDOI) website.
Does North Carolina have a combined Life & Health exam?
Important North Carolina does not offer a combined 'Life, Accident & Health' license/exam; Life Agent and Accident and Health or Sickness Agent are separate major lines of authority, each with its own exam, its own separate 20-hour prelicensing course, its own $45 exam fee, and 1hr15min time limit (per the official October 2025 Pearson VUE NC Candidate Handbook). Check North Carolina Department of Insurance (NCDOI) for the current exam-registration process.
Does North Carolina require prelicensing education for Life & Health?
Yes. North Carolina requires 20 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a North Carolina-approved provider.
What score do I need to pass the North Carolina Life & Health exam?
North Carolina requires 70 (scaled score) on the Life & Health exam. Confirm the current standard with North Carolina Department of Insurance (NCDOI), since passing standards can change.
Is the Life & Health exam different in North Carolina than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but North Carolina tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by North Carolina Department of Insurance (NCDOI).
C3RT is a native iOS and macOS exam preparation platform covering the North Carolina Life & Health Insurance License Exam (NC L&H), a Insurance Licensing certification, administered by North Carolina Department of Insurance (NCDOI). C3RT is not affiliated with or endorsed by North Carolina Department of Insurance (NCDOI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the North Carolina Department of Insurance (NCDOI) official website ↗ .