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North Carolina Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of North Carolina. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the North Carolina Department of Insurance website at http://www.ncdoi.com. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

North Carolina Department of Insurance

Agent Services Division
1204 Mail Service Center  Raleigh, NC 27699-1204
Phone: 919-807-6800
Fax:  919-715-3794
Website: http://www.ncdoi.com
Email: asd@ncdoi.gov

 

Prelicensing Education Hour Requirements

  • Life - 20 Hours

  • Accident and Health or Sickness - 20 Hours

  • Property - 20 Hours

  • Casualty - 20 Hours

  • Personal Lines - 20 Hours

  • Medicare Supplement / Long-Term Care - 10 Hours (Applicant must be licensed for Accident and Health or Sickness)

Exam Provider: Pearson VUE

  • To obtain a North Carolina Insurance Licensing Examination Candidate Guide, go to the Pearson VUE website at http://www.pearsonvue.com/nc/insurance.
  • Prior to scheduling the exam with Pearson VUE, candidates must complete the NIPR license application online by visiting nipr.com. Candidates are not able to schedule an exam until this is completed and an email is received by the student from Pearson VUE. This email will contain instructions to schedule.  

Acceptable Methods of Education

  • Classroom

  • Self-study**

  • Online**

**Course must adhere to specific rules for the applicant to receive prelicensing credit, including the final course examination (certification exam) being monitored and administered by a disinterested third party. North Carolina defines a “disinterested third party” as “a person not concerned with respect to possible gain or loss in the result of a pending course final examination and does not include the current employer, prospective employer and a member of the applicant’s immediate family.”

Live Review Class Requirements

In-Class Exam: In North Carolina, an in-class graded exam is given in the Life & Health class to test your readiness for the state exam. The test must be passed with a 70% or greater in order to receive a certificate of completion.

 

Online Class Requirements

  • Time Tracking: North Carolina requires that your online study time is tracked. There is a maximum allowed of 8 hours in one day of instruction. In order to successfully complete the course, you must complete the required number of hours while studying in the Course Contents Units of the online course. Your online course tracker will be displayed in the upper right-hand corner of your page so that you can verify the time spent in the course is being tracked.

  • Forced Progression: requires the user to successfully complete each page of the online course before being allowed to proceed to the next.

Certificate of Completion Requirements

  • Candidate must present the original certificate, referred to as the prelicensing Examination Admission Ticket, to the exam provider at the test site.
  • Certificate is valid for 90 days from the course completion date, or a maximum of 5 exam attempts, whichever occurs first.

Prelicensing Education Exemptions

Individuals holding one or more of the following designations or certifications are exempt from prelicensing education requirements if they pass the exam on their first attempt. If they fail, they must successfully meet the mandatory prelicensing education requirements prior to retaking the exam:

  • Life - CIC, CEBS, CFP®
  • Accident and Health or Sickness - RHU, CEBS, REBC, HIA
  • Property, Casualty, Personal Lines - AAI, ARM, CIC
  • Someone who holds a degree in insurance (associate or bachelors) can also be waived from prelicensing

Note: To receive a waiver, applicants must submit a written request.

Adjuster License

Disclosure for States that Require a Licensing Exam and License:

 

All insurance adjusters in North Carolina are required to be licensed. Because of its industry recognition and credibility, earning the Texas DHS Adjuster license is accepted as authorization to adjust in North Carolina and other states that recognize it.

The Texas P/C Adjuster license is highly respected in the industry and is available to individuals who want to designate Texas as their home state. This means you can qualify for the Texas P/C adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. 

Kaplan’s Texas P/C Adjuster licensing course and exam is ideal for an adjuster seeking an adjuster license under the DHS concept. The course contains the actual state licensing exam for the Texas P/C Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas Property/Casualty Adjuster License using the procedures found on the Texas State Requirements page. This will qualify you to adjust in both your home state and numerous other states that recognize the Texas DHS Adjuster license (CO, DC, IA, IL, KS, MA, MD, MO, NC, ND, NE, NH, NJ, OH, PA, SD, TN, VA, and WI).

Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.

This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

Select a Line of Authority:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in North Carolina.


Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in North Carolina.

 

Medicare Supplement LTC

This license qualifies you to sell Medicare benefit extension plans directly to consumers in North Carolina.

Adjuster

This license qualifies you to investigate and adjust any claim in connection with an insurance policy in North Carolina.