North Carolina Insurance License Classes Online

Looking for an North Carolina insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality North Carolina insurance license courses, industry expertise and convenience. All of XCEL's North Carolina courses are approved by the North Carolina Department of Insurance.
Online Course

North Carolina Life and Health Pre-licensing

$199.00
Online Course

North Carolina Life Pre-licensing

$199.00
Online Course

North Carolina Health Pre-licensing

$199.00
Online Course

North Carolina Medicare Supplement Long-Term Care Pre-licensing

$199.00
Online Course

North Carolina Property and Casualty Pre-licensing

$199.00

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North Carolina State Insurance Licensing Requirements

HOW TO OBTAIN A NORTH CAROLINA INSURANCE PRODUCER LICENSE

Complete the prelicensing course.

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Life, Accident and Disability – 40 hours
  • Casualty Insurance – 20 hours
  • Property Insurance – 20 hours
  • Property and Casualty – 40 hours
  • Personal lines – 20 hours
  • Medicare Supplement Long-Term Care – 10 hours

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and instructional review before moving onto the next section/chapter.
  • Applicants are required to spend a minimum of 20 hours per line of authority.
    • XCEL will be tracking the time spent studying in the course.
    • You will be asked to authenticate your identity on a periodic basis throughout the course.
    • Your course will time out (automatically log out) if you leave the course inactive for more than twenty minutes.

Final Examination:

  • To access the final exam the candidates must satisfy the time requirement (20 hours per line of authority) which will be verified by a member of our compliance team the following business day.
  • Your will not be able to review the course content once the final examination has begun.
  • The final examination must be completed with a score of at least 70% before the admission ticket (certificate) is issued.

Certificate Information:

To be eligible for a Certificate of completion, you must follow several steps:

  • Completion of the course including final exam.
  • Satisfying the time requirement (20 hours per line of authority) which will be verified by a member of our compliance team the following business day.
  • Download and Print admission ticket/certificate through the “Transcript” tile on the user dashboard.
  • Admissions Tickets/Certificates are valid for 90 days.
  • Required at the testing center.

Apply for license

  • Submit online license application through NIPR www.nipr.com
  • Application fee $82.00

Submit your Fingerprints

  • The state of North Carolina requires fingerprinting. Print the Fingerprint Submission Packet- Releases forms.
  • Contact the Local law enforcement to schedule an appointment.
  • Fingerprint Fee: $38
  • Candidates can email, fax or mail documents:

Schedule the North Carolina State examination.

Limitation on repeat examinations:

  • If you do not pass the examination within ninety (90) days of the date of course completion, or within five (5) examination attempts over the ninety (90) day period, you complete a prelicensing education course at an approved school to be eligible to retake the examination.

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course up until test day.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
  • On the day of testing, you must have the following items:
    • Two forms of identification bearing your signature, one of which must be a valid government issued photo id
    • Examination Admission Ticket – Must be original hard copies displaying the school code. Candidates will be required to have their palm scanned – see page 12 of the Candidate Handbook

Exam Outlines

DESCRIPTION Question Count % Of Exam Questions
Life Health Life Health
Life Insurance
Types of Individual Life Insurance 17 0 31% 0%
Annuities 5
Policy Provisions, Options and Other Features 11 0 20% 0%
Other Life Topics 8 0 15% 0%
Health Insurance
Accident and Health Insurance Policies 0 22 0% 40%
Accident and Health Insurance Provisions 0 11 0% 20%
Other Accident and Health Topics 0 8 0% 15%
Colorado Laws and Rules
NC Statutes, Rules and Regulations Pertinent to Life Insurance 14 0 25% 0%
NC Statutes, Rules and Regulations Pertinent to Accident Insurance 0 14 0% 25%
Total for all parts
Total Scored Questions on Exam 55 55 100% 100%
Maximum Time allowed to complete exam in minutes 75 75 75 75
Passing Score 70 70 70 70

 

DESCRIPTION Question Count % Of Exam Questions
Casualty Property Casualty Property
Casualty Insurance
Terms and Concepts 7 0 13% 0%
Personal Insurance Coverages 18 0 33% 0%
Commercial Insurance Coverages 15 0 27% 0%
Property Insurance
Terms and Concepts 0 7 0% 13%
Personal Insurance Coverages 0 25 0% 45%
Commercial Insurance Coverages 0 10 0% 18%
Colorado Laws and Rules
NC Statutes, Rules and Regulations Pertinent to Casualty Insurance 15 0 27% 0%
NC Statutes, Rules and Regulations Pertinent to Property Insurance 0 13 0% 24%
Total for all parts
Total Scored Questions on Exam 55 55 100% 100%
Maximum Time allowed to complete exam in minutes 75 75 75 75
Passing Score 70 70 70 70

 

DESCRIPTION Question Count % Of Exam

Questions

North Carolina Medicare Supplement/Long-Term Care
Medicare In General 8 16%
Medicare Part A (Hospital Insurance) Original Medicare 10 20%
Part B (Medical Insurance) Original Medicare 7 14%
Medicare Part C 3 6%
Medicare Part D 2 4%
Medicare Supplement Policies (Medigap) 8 16%
Medicaid 1 2%
Long-Term Care Policies 11 22%
Total for all parts
Total Scored Questions on Exam 50 1
Maximum Time allowed to complete exam in minutes 105 105
Passing Score 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course and time requirement
2. Apply for License
3. Submit fingerprints
4. Register for exam
5. Pass exam (Must have valid ID and Certificate)

Governing Agency

Name: North Carolina Department of Insurance
Website: https://www.ncdoi.gov/licensees
Address: PO Box 14209 P.O. Box 14209
Phone: 866-265-6329
Fax: 888-959-3010

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.