How to Get a North Carolina Life Insurance License with ExamOne

Key Differences for North Carolina Applicants

North Carolina requires 20 hours of state‑approved pre‑licensing education, a background fingerprint check, and a separate application for each line of authority (life only). Unlike many states, the NC Department of Insurance (DOI) does not accept generic online courses; they must be listed on the DOI's approved provider list, and the exam is administered through ExamOne, the state‑designated testing partner.

Step 1: Complete Approved Pre‑Licensing Education

Enroll in a DOI‑approved 20‑hour life insurance course. Providers such as Kaplan, ExamFX, and the North Carolina Insurance Education Center offer live or on‑demand options that automatically report completion to the DOI.

Step 2: Register for the ExamOne Test

After finishing the course, create an account on ExamOne.com. Select "North Carolina Life Insurance License" and choose a testing center or opt for the remote‑proctored option if available. Pay the exam fee ($125 – $150) and schedule the test within 90 days of course completion.

Step 3: Prepare for the Exam

ExamOne provides a practice test that mirrors the 80‑question, multiple‑choice format. Focus on NC‑specific statutes, the Uniform Life and Health Insurance Guaranty Association Act, and the state's continuing education requirements. Aim for a score of 70% or higher to pass.

Step 4: Pass the Exam and Obtain Your Score Report

Results are delivered instantly through ExamOne's portal. If you pass, download the official score report; if not, you may retake the exam after a 24‑hour waiting period, with a reduced retake fee.

Step 5: Submit Your License Application

Log in to the NC DOI's online portal, upload your score report, fingerprint card, and proof of education. Pay the licensing fee ($100 for a life‑only license). The DOI typically processes applications within 7‑10 business days.

Step 6: Complete Post‑Licensing Requirements

Within the first year, fulfill the 24‑hour continuing education requirement to keep the license active. Use the same approved providers, and report completion through the DOI portal.

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