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Exams · Certifications · Licensing

Life and Health Insurance Producer Exam

Licensing (NC): practice questions

Our Life & Health Insurance bank has 14 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · North Carolina

A licensed producer becomes the subject of a bankruptcy proceeding. When must the Commissioner be notified?

  1. Within 60 days, and only if premium funds are involved
  2. Within three business days after the proceeding begins
  3. Only when the producer next renews an appointment
  4. Within 30 days after the bankruptcy court discharges debts
Show the answer

B. Within three business days after the proceeding begins — N.C. Gen. Stat. 58-33-46(c).

Question 2 · North Carolina

After S.L. 2025-45 (effective October 1, 2025), what prelicensing education may the Commissioner require of an individual applying for a producer license?

  1. None; no specific amount or course of instruction may be required
  2. A 40-hour approved course for each major line of authority sought
  3. A 20-hour course for life plus a 20-hour course for accident and health
  4. Only a 3-hour ethics course completed within 90 days before the exam
Show the answer

A. None; no specific amount or course of instruction may be required — N.C. Gen. Stat. 58-33-30(d)(1); subdivisions (d)(2)-(3) repealed by S.L. 2025-45, s. 1(a).

Question 3 · North Carolina

When may the Commissioner issue a temporary producer license without examination, and for how long?

  1. To a nonresident whose home state license lapsed, until it is reinstated there
  2. To any applicant awaiting exam results, for a period of up to one full year
  3. To service a business, such as for the spouse of a producer who died, for up to 180 days (longer for good cause)
  4. To a new agent in training under an insurer's sponsorship, for up to 90 days
Show the answer

C. To service a business, such as for the spouse of a producer who died, for up to 180 days (longer for good cause) — N.C. Gen. Stat. 58-33-66(a).

Question 4 · North Carolina

In a dispute between an insured and the insurer, whom does a producer who solicited the application on the insurer's behalf represent?

  1. The insurer, not the insured or the beneficiary
  2. The insured, because the insured paid the premium
  3. Neither party unless a written agency contract exists
  4. Both parties equally, as a neutral intermediary
Show the answer

A. The insurer, not the insured or the beneficiary — N.C. Gen. Stat. 58-33-20(a); see also 58-58-30.

Question 5 · North Carolina

How long does a North Carolina individual insurance producer license authorize the holder to act?

  1. Until the license is suspended or revoked
  2. For four years, renewable with continuing education
  3. For two years, ending on the holder's birthday
  4. For one year, ending each March 31
Show the answer

A. Until the license is suspended or revoked — N.C. Gen. Stat. 58-33-26(l).

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