SC L&H
South Carolina Life & Health Insurance License Exam
South Carolina regulates Life & Health producer licensing through South Carolina Department of Insurance, with the exam delivered by Pearson VUE. The combined Life & Health exam has 140 questions with a 150 minutes time limit. Passing requires a scaled score of 70 out of 100. The exam fee is $59. South Carolina does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for South Carolina, covering national concepts plus South Carolina statute, producer duties, and ethics.
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SC L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | South Carolina Life & Health Insurance License Exam |
| Governing Body | South Carolina Department of Insurance |
| Number of Questions | 140 |
| Time Limit | 150 minutes |
| Passing Score | a scaled score of 70 out of 100 |
| Exam Fee | $59 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | South Carolina Department of Insurance official website ↗ |
SC L&H Content Areas and Domains
Domain areas are sourced from the South Carolina Department of Insurance 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
- ✓ South Carolina insurance law and regulations
How C3RT Helps You Pass the SC L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the SC L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real SC 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 SC L&H Practice Questions
Q1.Under South Carolina state law, which of the following statements regarding individual health insurance policies is correct?
- The insurer can cancel at any time.
- Cancellation is allowed if the insured moves.
- The insurer may cancel the policy if the premium is not paid within 30 days.
- A policy may not contain a provision giving the insurer the right to cancel it.Correct
South Carolina law specifically prohibits policies from containing provisions that allow the insurer to cancel. The other options are incorrect because they describe permissible cancellation rights that are explicitly barred in this state context.
Q2.In the state of South Carolina, what is the minimum notice period required for an insurer to nonrenew a disability income insurance policy at its anniversary or premium due date?
- The insurer must provide 10 days' notice.
- The insurer must provide 60 days' notice.
- The insurer must provide 31 days' written notice.Correct
- The insurer must provide 45 days' written notice.
South Carolina law specifically requires a 31-day written notice for nonrenewal at the anniversary or premium due date. The other options (10, 60, and 45 days) do not meet the specific statutory requirement for this state.
Q3.Under South Carolina law, how must an insurer treat a disability income insurance applicant who is a living organ donor?
- The insurer may not decline or limit coverage solely based on the person's status as a living organ donor.Correct
- The insurer may decline coverage if the donor's health status is considered high risk.
- This protection only applies to life insurance policies, not disability income insurance.
- The insurer must provide a mandatory discount on premiums for all registered organ donors.
South Carolina law prohibits discrimination against living organ donors in disability income insurance. The other options are incorrect because the law specifically covers disability income (not just life), does not allow high-risk exclusions based solely on donor status, and does not mandate premium discounts.
SC L&H Frequently Asked Questions
What does SC L&H stand for?
SC L&H stands for South Carolina Life & Health Insurance License Exam. It is administered by South Carolina Department of Insurance.
Who administers the SC L&H?
The South Carolina Life & Health Insurance License Exam (SC L&H) is administered by South Carolina Department of Insurance. For official information, visit the South Carolina Department of Insurance website.
How many questions is the SC L&H?
The SC L&H consists of 140 questions. Candidates are given 150 minutes to complete the exam.
What is the passing score for the SC L&H?
The passing score for the SC L&H is a scaled score of 70 out of 100, as set by South Carolina Department of Insurance. Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the SC L&H exam cost?
The SC L&H exam fee is $59. This fee is set by South Carolina Department of Insurance and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the South Carolina Life & Health exam?
The South Carolina combined Life & Health exam has 140 scored questions, a 150 minutes time limit, a $59 exam fee. Passing requires a scaled score of 70 out of 100. It is delivered by Pearson VUE.
Does South Carolina require prelicensing education for Life & Health?
No. South Carolina does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the South Carolina Life & Health exam?
South Carolina requires a scaled score of 70 out of 100 on the Life & Health exam. Confirm the current standard with South Carolina Department of Insurance, since passing standards can change.
Is the Life & Health exam different in South Carolina than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but South Carolina tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by South Carolina Department of Insurance.
C3RT is a native iOS and macOS exam preparation platform covering the South Carolina Life & Health Insurance License Exam (SC L&H), a Insurance Licensing certification, administered by South Carolina Department of Insurance. C3RT is not affiliated with or endorsed by South Carolina Department of Insurance. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the South Carolina Department of Insurance official website ↗ .