Key Takeaways
- North Carolina requires 40 hours of pre-license education for Property & Casualty insurance
- The NC P&C exam requires a 75% passing score, higher than most states
- Pearson VUE administers North Carolina insurance exams
- All applicants must undergo a background check before licensing
- North Carolina license application fee is $40; licenses are valid for 2 years
North Carolina P&C Producer Licensing Requirements
North Carolina has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
40 Hours Required
North Carolina requires 40 hours of pre-license education:
| Requirement | Details |
|---|---|
| Total Hours | 40 hours |
| Course Provider | NCDOI-approved |
| Validity | 12 months after completion |
| Format | Classroom or online |
| Topics | P&C fundamentals and NC law |
Exam Tip: North Carolina requires 40 hours of pre-license education. This is more than some states like Texas (which requires none) but comparable to others.
Course Requirements
Pre-license courses must cover:
- Property insurance principles
- Casualty insurance principles
- North Carolina insurance law
- Ethics and producer responsibilities
Examination Requirements
The North Carolina Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Total Questions | 150 |
| Time Limit | 2 hours 30 minutes |
| Passing Score | 75% (higher than most states) |
| Exam Fee | $46 |
| Testing Provider | Pearson VUE |
| Retake Policy | May retake after failed attempt |
License Types
| License Type | What You Can Sell |
|---|---|
| Property & Casualty | All P&C products |
| Personal Lines | Auto and homeowners only |
| Limited Lines | Specific products (credit, travel, etc.) |
Important: North Carolina requires 75% to pass, which is HIGHER than many states (Texas requires 70%, California requires 60%). Be prepared for a challenging exam.
Examination Process
- Complete 40 hours of NCDOI-approved pre-license education
- Schedule exam with Pearson VUE online or by phone
- Exam options: Pearson VUE testing center or remote proctored exam
- Bring valid ID with photo (driver's license, passport, military ID)
- Receive results immediately after exam
Background Check Requirements
North Carolina requires a background check for all insurance license applicants:
Process
- Criminal background check required
- Must disclose all criminal history on application
- Felony convictions may disqualify
- Administrative actions in other states reviewed
- False statements on application = denial
Disqualifying Factors
NCDOI considers when evaluating applications:
- Felony convictions (especially fraud, dishonesty)
- Misdemeanors involving fraud or breach of trust
- Insurance-related violations in other states
- Pattern of misconduct
- Failure to disclose required information
License Application
After passing the exam:
| Item | Details |
|---|---|
| Application | Submit through NIPR or to NCDOI |
| License Fee | $40 |
| Processing Time | 1-3 weeks |
| License Term | 2 years |
Resident vs. Non-Resident
- Resident: Must be a North Carolina resident
- Non-Resident: Must hold active home state license
- Reciprocity: NC has agreements with most states
How many hours of pre-license education does North Carolina require for a P&C license?
What is the passing score for the North Carolina P&C exam?