North Carolina Life and Health Agent Exams Pass Rate, Format & Study Guide

The North Carolina Life and Accident and Health agent exams is the written examination required for the Life Agent and Accident and Health or Sickness Agent licenses (major lines of authority) in North Carolina. It has 110 questions (55 Life + 55 Accident and Health or Sickness) and a 150 minutes time allowance, and it is administered under the North Carolina Department of Insurance (NCDOI); examinations administered by Pearson VUE.

A North Carolina insurance license is required by state law to sell or solicit the covered lines of insurance. Passing the written exam is a required step before the department issues the license.

People preparing to become licensed insurance agents in North Carolina and candidates retaking the exam. Prelicensing education and application requirements are set by the state; check them before you schedule.

The certifying body does not publicly publish an official pass rate for this exam. Be wary of third-party sites citing a specific number here — treat any pass-rate claim you see elsewhere for this exam as unverified.

Examination fees are non-refundable and non-transferable. You must pass the examination before the end date of your license application with NIPR; check the handbook for rescheduling rules.

Passing standard: The North Carolina handbook explains that results are reported on a scale on which 70 is the passing score; candidates do not need to pass every component, because the total number of questions answered correctly determines the result. The exam has 110 questions (55 Life + 55 Accident and Health or Sickness) with 150 minutes. No official pass rate for this exam was available in the sources we reviewed, so none is quoted here.

The exam has 110 questions (55 Life + 55 Accident and Health or Sickness) with 150 minutes. Format: 110 questions (Life 55 + Accident and Health or Sickness 55, each plus up to 5 pretest questions) · 150 minutes · each exam has a general portion and a North Carolina portion. Passing standard: The North Carolina handbook explains that results are reported on a scale on which 70 is the passing score; candidates do not need to pass every component, because the total number of questions answered correctly determines the result.

• Types of Individual Life Insurance15.45%
• Annuities4.55%
• Life Policy Provisions, Options, and Other Features10%
• Other Life Topics7.27%
• North Carolina Statutes and Regulations Pertinent to Life12.73%
• Accident and Health Insurance Policies20%
• Accident and Health Insurance Provisions10%
• Other Accident and Health Topics7.27%
• North Carolina Statutes and Regulations Pertinent to Accident and Health12.73%

The content outline spreads questions across 9 areas: Types of Individual Life Insurance (15.45%); Annuities (4.55%); Life Policy Provisions, Options, and Other Features (10.0%); Other Life Topics (7.27%); North Carolina Statutes and Regulations Pertinent to Life (12.73%); Accident and Health Insurance Policies (20.0%); Accident and Health Insurance Provisions (10.0%); Other Accident and Health Topics (7.27%); North Carolina Statutes and Regulations Pertinent to Accident and Health (12.73%).

North Carolina requires you to hold a valid license application with NIPR, complete required prelicensing education for the lines you want and pass the Pearson VUE exam; confirm the current requirements with the NCDOI.

US$45 per examination attempt, paid to Pearson VUE when you reserve (North Carolina candidate handbook). License application fees, fingerprinting, prelicensing education and continuing education are separate.

After you are licensed, North Carolina requires periodic license renewal and continuing education on the department's schedule; check the department for the current hours and deadlines.

Start with the heaviest areas of the content outline: Accident and Health Insurance Policies (20.0%); Types of Individual Life Insurance (15.45%); North Carolina Statutes and Regulations Pertinent to Life (12.73%). Then work through the remaining areas, practise state-specific statutes and rules separately from the general content, and finish with timed full-length practice runs of 110 questions in 150 minutes.

Content outlines, fees and passing standards change; this guide follows the materials listed under Verification as of October 2026. Check the department and test administrator before you register.