• 89 questions

NC Life Insurance Exam Questions on North Carolina Law

North Carolina insurance law only: pick an answer to see the rule and its General Statutes section.

For health benefit plans, what ceiling applies to one insured person under North Carolina's Article 62?

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Unofficial practice questions, not affiliated with the North Carolina Department of Insurance. Bank checked October 4, 2026.

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All 89 questions

Producer licensing and continuing education 20

  • A nonresident producer loses good standing in the home state. What happens to the license the North Carolina Commissioner issued? G.S. 58-33-30
  • A North Carolina licensee is convicted of a crime other than a motor vehicle infraction. Within how many days must the licensee notify the Commissioner in writing? G.S. 58-2-69
  • A North Carolina licensee moves to a new residence. How long does the licensee have to give the Commissioner written notice of the new address? G.S. 58-2-69
  • A North Carolina producer embezzles money received as a producer, and the amount is $100,000 or more. What class of felony is it? G.S. 58-2-162
  • A North Carolina producer misses the continuing education requirement. In place of letting the license lapse, what administrative fee may be charged? G.S. 58-33-130
  • A North Carolina producer signs a blank policy of insurance. What punishment does G.S. 58-33-110 set? G.S. 58-33-110
  • A North Carolina producer wants to charge money, on top of the premium, for services tied to an insurance contract. When does G.S. 58-33-85 allow it? G.S. 58-33-85
  • A person lives in a county of another state, and the border of that county touches the North Carolina state line. What does G.S. 58-33-30 allow? G.S. 58-33-30
  • A person sells coverage in North Carolina for an insurer the person knew was unauthorized. What grade of offense does G.S. 58-33-95 set? G.S. 58-33-95
  • An insurer appoints a licensed North Carolina producer as its agent. By when must the insurer file the notice of appointment? G.S. 58-33-40
  • An insurer ends its relationship with a North Carolina producer. How soon after the effective date of the termination must it notify the Commissioner? G.S. 58-33-56
  • For how long may the North Carolina Commissioner issue a temporary producer license without an examination, unless good cause supports a longer time? G.S. 58-33-66
  • How old must an individual be before the North Carolina Commissioner approves an application for a resident insurance producer license? G.S. 58-33-31
  • In a dispute over a North Carolina policy, whom is a producer who acted as a broker regarded as representing? G.S. 58-33-20
  • The North Carolina Commissioner denies a license application. How long after service of the notification does the applicant have to make a written demand for a review? G.S. 58-33-30
  • The North Carolina Commissioner sets the biennial continuing education requirement for producers. What is the most the statute lets the Commissioner require? G.S. 58-33-130
  • North Carolina lists the lines of authority a producer license may carry. Besides coverage on human lives, which benefits does the "life" line include? G.S. 58-33-26
  • On what date each year does a North Carolina business entity license expire unless the entity pays the renewal fee? G.S. 58-33-26
  • Under North Carolina law as amended in 2025, how much prelicensing instruction may the Commissioner require of an individual who applies for an insurance producer license? G.S. 58-33-30
  • What must a licensed North Carolina resident producer do before selling Medicare supplement or long-term care insurance? G.S. 58-33-26

Life policy provisions 22

  • A life policy sold in North Carolina has no unconditional refund provision of at least 10 days. When must the insurer give the buyer the Buyer's Guide and Policy Summary? G.S. 58-60-15
  • A North Carolina employer insures an employee's life for the employer's own benefit. What must the employee receive? G.S. 58-58-75
  • A North Carolina group life policy may let the insurer pay part of the death benefit to a person who paid funeral or last-illness expenses. What is the most that part may be? G.S. 58-58-140
  • A North Carolina insurer holds satisfactory proof of the death of an insured. After how many days without payment does it owe interest on the death proceeds? G.S. 58-58-110
  • A North Carolina resident insures her own life for the sole use and benefit of her spouse and children. How does G.S. 58-58-95 treat the proceeds at her death? G.S. 58-58-95
  • A premium after the first falls due on an individual life policy issued in North Carolina. For at least how long must the policy stay in force unpaid? G.S. 58-58-22
  • A proposed insured in North Carolina has sickle cell trait or hemoglobin C trait. What is a life insurer barred from doing solely for that reason? G.S. 58-58-25
  • After reinstatement of a lapsed North Carolina life policy, what window does the insurer have to challenge it for fraud or a misrepresentation material to the reinstatement? G.S. 58-58-170
  • The age or gender of the insured was misstated on a North Carolina individual life policy. What must the policy provide? G.S. 58-58-22
  • An insured elects a portability option under a group life policy used in North Carolina. What is prohibited at that point? G.S. 58-58-141
  • Except for nonpayment of premium, an insurer loses the right to challenge an individual life policy in North Carolina once it has run how long from issue? G.S. 58-58-22
  • For how long after receiving the proceeds may a viator rescind a viatical settlement contract entered into in North Carolina? G.S. 58-58-250
  • From what age does a minor in North Carolina have full power to make a contract of life insurance or annuity and use the rights of ownership under it? G.S. 58-58-100
  • Group life coverage ends for a North Carolina employee because employment ends. Within how many days must the person apply and pay the first premium to get an individual policy without evidence of insurability? G.S. 58-58-140
  • In a North Carolina life insurance solicitation, what must go with any reference to policy dividends? G.S. 58-60-20
  • North Carolina bars forfeiture of certain life policies within a year of default unless a premium notice was mailed. For a policy with a grace provision, when must the notice be mailed? G.S. 58-58-120
  • The North Carolina disclosure law for small face amount life policies covers a policy or certificate with an initial face amount of how much or less? G.S. 58-60-95
  • What does North Carolina let an individual life policy do about suicide? G.S. 58-58-22
  • When a North Carolina insurer owes interest on late death proceeds, from what date is the interest computed? G.S. 58-58-110
  • When is a 501(c)(3) organization deemed to have an insurable interest in a life it insures in North Carolina? G.S. 58-58-86
  • Which of these may a life insurer NOT deliver in North Carolina as part of or in combination with a life policy? G.S. 58-58-20
  • Within how long after the date of premium default must a North Carolina individual life policy allow reinstatement, if it was not surrendered for cash? G.S. 58-58-22

Annuities, disclosure and twisting 9

  • A producer takes an application for an individual annuity in North Carolina. What must the application form include? G.S. 58-58-146
  • The age of the annuitant was misstated on a North Carolina annuity contract. What does the standard provision say is payable? G.S. 58-58-23
  • An annuity application is taken in a face-to-face meeting in North Carolina. When must the applicant be given the disclosure document and the buyer's guide? G.S. 58-60-135
  • An annuity application reaches a North Carolina insurer by mail, with no face-to-face meeting. How soon after receiving the completed application must the insurer send the disclosure document and buyer's guide? G.S. 58-60-135
  • In North Carolina, late delivery of the annuity buyer's guide and disclosure document triggers a free look of at least how many days? G.S. 58-60-135
  • North Carolina lets the Commissioner adopt rules on senior-specific certifications and professional designations. The rules cover the sale of which products? G.S. 58-63-75
  • The owner of a deferred annuity delivered in North Carolina dies during the surrender period. What may the contract NOT do? G.S. 58-58-147
  • Which act is twisting under North Carolina G.S. 58-33-75? G.S. 58-33-75
  • Which annuity falls outside the North Carolina annuity disclosure law in G.S. 58-60-125? G.S. 58-60-125

Accident and health provisions 16

  • A claimant wants to sue on a North Carolina accident and health policy. What waiting time after written proof of loss, and what outer deadline, does the legal actions provision set? G.S. 58-51-15
  • A North Carolina accident and health claim is for a loss that is not paid periodically while it continues. Under G.S. 58-51-15, written proof is due within how long after the date of the loss? G.S. 58-51-15
  • A North Carolina accident and health policy has a change of occupation provision. The insured moves to a more hazardous job and is then injured. What does the insurer pay? G.S. 58-51-15
  • A North Carolina accident and health policy may let the insurer pay a limited sum to a relative when a benefit is owed to an estate or to a minor. What cap does the statute put on that sum? G.S. 58-51-15
  • A North Carolina disability income insurer asks for no medical history at application. After how many months of coverage can it no longer deny a disability as caused by a preexisting condition? G.S. 58-51-130
  • A North Carolina health benefit plan charges an added premium to cover a newborn. The child is covered from the moment of birth if enrolled within how many days after the date of birth? G.S. 58-51-30
  • A North Carolina health insurer receives notice of a claim. If it does not furnish claim forms within how many days is the claimant deemed to have complied by sending written proof? G.S. 58-51-15
  • During the first year of a North Carolina individual accident and health policy, how much written notice of nonrenewal counts as sufficient notice? G.S. 58-51-20
  • How long after the date of issue does North Carolina's time limit on certain defenses cut off an insurer's use of application misstatements against an accident and health policy? G.S. 58-51-15
  • In North Carolina, coverage of a dependent child with an intellectual or physical disability continues past the limiting age. How soon after the child reaches that age must proof of incapacity be furnished? G.S. 58-51-25
  • North Carolina lets an accident and health insurer exclude loss sustained while the insured is intoxicated or under the influence of a narcotic. On which kind of policy may the provision not be used? G.S. 58-51-16
  • North Carolina requires a printed notice on every individual or family hospitalization policy that gives a right to return the policy for a premium refund. Within how many days of receipt? G.S. 58-51-10
  • Under G.S. 58-51-15, what is the longest time after the effective date of coverage that a North Carolina individual accident and health policy may limit coverage of preexisting conditions? G.S. 58-51-15
  • Under the notice of claim provision of a North Carolina accident and health policy, how soon after a covered loss starts must written notice be given, where reasonably possible? G.S. 58-51-15
  • Which grace period does G.S. 58-51-15 set for a North Carolina accident and health policy whose premium is paid each month? G.S. 58-51-15
  • Who signs the written application on which an individual or family accident and health policy is issued in North Carolina? G.S. 58-50-5

Unfair practices and penalties 11

  • A North Carolina advertisement for an individual health policy sets out details of its benefits. What must the advertising material also contain? G.S. 58-63-15
  • A North Carolina licensee has reasonable cause to believe another person made a false statement to get an insurance benefit. What duty does G.S. 58-2-163 place on the licensee? G.S. 58-2-163
  • A North Carolina life insurer fails to deliver the Buyer's Guide or the Policy Summary. How does G.S. 58-60-30 treat the failure? G.S. 58-60-30
  • A person willfully violates a final cease and desist order of the North Carolina Commissioner under the unfair trade practice article. What does the person forfeit for each violation? G.S. 58-63-50
  • For unfair claim settlement practices under North Carolina G.S. 58-63-15(11), how often must the listed acts be committed? G.S. 58-63-15
  • In a North Carolina loan, the lender requires life insurance on the borrower. How much required coverage is the unfair practice of overinsurance? G.S. 58-63-15
  • The North Carolina Commissioner orders a monetary penalty under G.S. 58-2-70 in addition to or instead of suspending a license. What is the range of the penalty? G.S. 58-2-70
  • North Carolina's list of unfair claim settlement practices is broken. Standing alone, whom does that violation give a right to sue? G.S. 58-63-15
  • Under the rebate provision of North Carolina G.S. 58-63-15, which payment is NOT a prohibited rebate? G.S. 58-63-15
  • What does North Carolina define as unfair discrimination in life insurance rates? G.S. 58-63-15
  • Which act is the unfair practice of defamation under North Carolina G.S. 58-63-15? G.S. 58-63-15

Guaranty association 11

  • A North Carolina insurer delivers a contract that the guaranty law excludes from coverage. What must the owner be given before or at delivery? G.S. 58-62-86
  • A payee of a structured settlement annuity looks to the North Carolina guaranty association. What is the most that single payee can be covered for? G.S. 58-62-21
  • For health benefit plans, what ceiling applies to one insured person under North Carolina's Article 62? G.S. 58-62-21
  • For one contract holder of an unallocated annuity contract outside a governmental retirement plan, what is the limit of the North Carolina guaranty association? G.S. 58-62-21
  • For what purpose are Class A assessments of the North Carolina guaranty association authorized and called? G.S. 58-62-41
  • How many public representatives does the Commissioner appoint to the board of the North Carolina Life and Health Insurance Guaranty Association? G.S. 58-62-31
  • Leaving health benefit plans aside, how much in total will the North Carolina guaranty association cover on a single life? G.S. 58-62-21
  • May a North Carolina producer point to the guaranty association in an advertisement to help sell a life policy? G.S. 58-62-86
  • Membership in North Carolina's guaranty association is required of whom? G.S. 58-62-26
  • What must a North Carolina member insurer deliver before or at the time it delivers a covered policy? G.S. 58-62-86
  • Which of these does the North Carolina Life and Health Insurance Guaranty Association NOT cover? G.S. 58-62-21

How it works

These unofficial NC life insurance exam questions ask the law only: 89 free practice questions written from Chapter 58 of the North Carolina General Statutes, accident and health law included. Policy types, underwriting and textbook theory are not asked.

Read the full guide

What the North Carolina law questions cover

Six groups: producer licensing and continuing education, life policy provisions, annuities, disclosure and twisting, accident and health provisions, unfair practices and penalties, and the guaranty association. The statute on suitability in annuity sales is repealed, so that group asks the disclosure and twisting law. Missed questions wait in their own pile.

Studying for life insurance alone

Set the topic filter to Life policy provisions, then to Annuities, disclosure and twisting. Producer licensing, unfair practices and the guaranty association belong to both lines. Each answer names its G.S. section and links to ncleg.gov.

  • Individual life policies: a 31-day grace period, and incontestable after two years from issue (G.S. 58-58-22).
  • A minor aged 15 or older may make a contract of life insurance or annuity (G.S. 58-58-100).
  • Guaranty association limits: $300,000 on one life, $500,000 for health benefit plans (G.S. 58-62-21).

Questions and answers

How many questions are on the NC life insurance exam?

This page does not give that number. No section of Chapter 58 read for this bank sets the exam's length, time limit or pass mark, and none was copied from the Department of Insurance. Exam mode draws 25 questions as a set size only.

Do these NC practice questions come with the answer shown?

Yes. Pick a choice and the page shows the keyed answer, a short explanation and the General Statutes section behind it, with a link to that section on ncleg.gov.

Does North Carolina require a prelicensing course for a producer license?

Under G.S. 58-33-30(d), the Commissioner shall not require an individual who applies for an insurance producer license to complete any specific amount or any specific course of instruction. Two older subdivisions were repealed effective October 1, 2025.

How many continuing education hours does a North Carolina producer need?

The Commissioner sets the biennial requirement, and G.S. 58-33-130 caps it at 24 credit hours. A producer who misses it may be given more time for good cause or charged a $75 administrative fee in place of a lapse.

Are these the real NC life insurance test questions?

No. Nobody here has seen the state exam. The questions were written from Chapter 58 of the North Carolina General Statutes, and the North Carolina Department of Insurance did not write or review them.

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