Each module is scored separately here so you know exactly where you stand. To pass the real North Carolina exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
North Carolina licenses Life and Accident & Health/Sickness as separate Pearson VUE exams. Each is a two-part test (a general insurance section and a North Carolina law section) of 55 scored questions, runs 1 hour 15 minutes, and requires an overall score of 70% (at least 39 of 55) to pass. This bank covers the general insurance material and the North Carolina law for both lines.
You need 70%. Practice each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the North Carolina General Statutes (Chapter 58) for the state-law questions, with the statute section cited in each explanation.
The full North Carolina bank contains 1214 questions (general insurance plus North Carolina law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
To be 'fully insured' for Social Security retirement benefits, a worker generally needs:
Why: Fully insured status requires 40 quarters of coverage (roughly 10 years of work in covered employment).
A distinguishing feature of adjustable life insurance is that the owner can:
Why: Adjustable life lets the owner modify premium, face amount, and protection period, effectively shifting between term and permanent coverage.
Under the Uniform Simultaneous Death Act, if the insured and the primary beneficiary die together and the order of death is unknown, it is presumed that:
Why: The Act presumes the insured outlived the beneficiary, so proceeds pass to the contingent beneficiary or the insured's estate, not the deceased beneficiary's estate.
The grace period in a typical life insurance policy is:
Why: The grace period (commonly 31 days) keeps coverage in force after a missed premium; a death during it pays the benefit minus the premium owed.
Under G.S. 58-63-50, the penalty applies to a person who willfully violates which of the following?
Why: G.S. 58-63-50 imposes the penalty on a person who willfully violates a cease and desist order of the Commissioner under G.S. 58-63-32 after it has become final and while the order is in effect.
Under G.S. 58-33-125, the fee for an individual insurance producer appointment is:
Why: G.S. 58-33-125(a) sets the individual insurance producer appointment fee at $11.00 (the Medicare supplement/LTC appointment is $10.00).
The permitted trade practices of G.S. 58-63-16 expressly do NOT apply to which line of insurance?
Why: G.S. 58-63-16(c) provides that the section shall not apply to title insurance.
Which nonforfeiture option uses the cash value to continue the full face amount as term insurance for as long as the cash value will buy?
Why: Extended term keeps the full face amount as term coverage for a limited period; it is often the automatic default.
Under the North Carolina Medicare supplement free-look provision, any premium refund must be paid in what manner?
Why: G.S. 58-54-30 states that any refund made under the free-examination provision shall be paid directly to the applicant by the insurer in a timely manner.
Annuity suitability standards require the producer to:
Why: Suitability requires a reasonable basis to believe the recommendation meets the consumer's needs and financial situation.
Under N.C. Gen. Stat. § 58-51-5, a family accident and health policy taken out by an adult family member (the policyholder) may cover dependent children only up to a specified age that shall not exceed:
Why: Section 58-51-5(a)(3) permits a family policy to insure children under a specified age 'which shall not exceed 19 years' along with the spouse and other dependents.
An automatic premium loan provision is designed to:
Why: If a premium is unpaid at the end of the grace period, the APL provision automatically borrows from the cash value to keep the policy in force.
For a single-premium whole life or endowment policy under specified subdivisions, the Standard Nonforfeiture Law permits an interest rate not exceeding:
Why: G.S. 58-58-55(i) permits a rate of interest not exceeding 6½% per annum for single premium whole life or endowment insurance policies subject to (e)(2) and (e)(3).
A 'bed reservation' benefit in a long-term care policy:
Why: A bed reservation benefit keeps paying the facility (for a limited number of days) to hold the insured's bed while they are temporarily hospitalized.
A plan has a $1,500 deductible, 80/20 coinsurance, and a $4,000 out-of-pocket maximum. On a $30,000 bill, the insured pays:
Why: Deductible $1,500 + 20% of $28,500 = $7,200, but the $4,000 out-of-pocket maximum caps the insured's cost at $4,000.
An individual may be licensed by the Commissioner as a foreign military sales agent to represent a life insurance company domiciled in this State, but only if the agent represents the company:
Why: G.S. 58-33-15 limits the overseas military (restricted) license to representing the company in a foreign country or territory and either on a U.S. military installation or with U.S. military personnel.
When must a member insurer deliver the Guaranty Association summary document to a policy owner?
Why: G.S. 58-62-86(b) provides that the summary document must be delivered before or at the time of delivery of the policy or contract (and is also available on request).
A licensed producer dies, and his surviving spouse needs time to transfer the insurance business. The Commissioner may issue the surviving spouse a temporary license that:
Why: G.S. 58-33-66(a)(1) authorizes the temporary license, and 58-33-66(c) limits a death/disability temporary licensee to insurers that had appointed the producer at the time of death or commencement of disability.
Which beneficiary designation can the policyowner change at any time without the beneficiary's consent?
Why: A revocable beneficiary can be changed at the owner's discretion; an irrevocable beneficiary must consent to changes.
Making a false entry in an insurer's books with intent to deceive a lawfully appointed examiner falls under which defined practice?
Why: G.S. 58-63-15(5) includes making any false entry in any book, report, or statement of an insurer with intent to deceive a lawfully appointed examiner, within False Financial Statements.
A group plan's 'probationary period' (waiting period) is the time a new employee must:
Why: The probationary/waiting period is the length of employment required before a new hire becomes eligible to enroll in the group plan.
When a single life is covered by a health benefit plan along with other benefits, the absolute aggregate ceiling on the Association's liability for that one life is:
Why: G.S. 58-62-21(d)(6) provides that where benefits for a health benefit plan apply, the aggregate liability shall not exceed $500,000 with respect to any one life.
A producer holding a variable life and variable annuity products license may sell, solicit, or negotiate variable contracts only if the producer satisfies the Commissioner that the producer has met the FINRA requirements of:
Why: G.S. 58-33-26(e) requires the producer to satisfy the Commissioner that the producer has met the FINRA requirements of the Secretary of State of North Carolina.
Unless otherwise specially provided, hearings before the Commissioner are held in accordance with Article 3A of which chapter?
Why: G.S. 58-2-50 requires hearings to be held in accordance with this Article and Article 3A of Chapter 150B of the General Statutes.
Which of the following is a ground for which the Commissioner may suspend, revoke, or refuse to renew a producer license under G.S. 58-33-46?
Why: G.S. 58-33-46(a)(6) lists conviction of a felony or a misdemeanor involving dishonesty, a breach of trust, or moral turpitude as a ground.
The USA PATRIOT Act and related rules require insurers selling cash-value products to:
Why: Insurers offering products with cash value or investment features must have AML programs, including customer identification and suspicious-activity reporting.
When personal information is collected from a source OTHER than the applicant or public records, the notice of information practices must be provided no later than:
Why: G.S. 58-39-25(a)(1)b. requires the notice no later than the time collection is initiated when personal information is collected from a source other than the applicant or public records.
An owner surrenders a policy with a $22,000 cash value after paying $15,000 in premiums. The taxable gain is:
Why: Gain over basis is taxable: $22,000 − $15,000 = $7,000 of ordinary income.
An Explanation of Benefits (EOB) sent to an insured is:
Why: An EOB is not a bill; it itemizes the charge, the plan's allowed amount, what the plan paid, and the patient's remaining responsibility.
If a North Carolina employer replaces the group health policy with another group policy, the continuing employee is entitled to do what?
Why: G.S. 58-53-35(b) provides that if the employer replaces the group policy with another group policy, the employee is entitled to continue under the successor group policy for any unexpired period of continuation to which the employee is entitled.