North Carolina Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of North Carolina. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the North Carolina Department of Insurance website at http://www.ncdoi.com. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

North Carolina Department of Insurance

3200 Beechleaf Ct
Raleigh, NC 27604

Phone: 919-807-6800
Fax:  919-715-3794
Website: http://www.ncdoi.com
Email: asd@ncdoi.gov

How to Get Your North Carolina Insurance License

1. Complete an Insurance Prelicensing Course

North Carolina requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

Prelicensing Education Hour Requirements

• Life: 20 Hours
• Accident and Health or Sickness: 20 Hours
• Property: 20 Hours
• Casualty: 20 Hours
• Personal Lines: 20 Hours
• Medicare Supplement / Long-Term Care: 10 Hours (Applicant must be licensed for Accident and Health or Sickness)
• Adjuster: No Prelicensing Education Requirement

Acceptable Methods of Education

• Classroom
• Self-study**
• Online**

**Course must adhere to specific rules for the applicant to receive prelicensing credit, including the final course examination (certification exam) being monitored and administered by a disinterested third party. North Carolina defines a “disinterested third party” as “a person not concerned with respect to possible gain or loss in the result of a pending course final examination and does not include the current employer, prospective employer and a member of the applicant’s immediate family.”

Live Class Requirements

In-Class Exam: In North Carolina, an in-class graded exam is given in the Life & Health class to test your readiness for the state exam. The test must be passed with a 70% or greater in order to receive a certificate of completion.

Online Course Requirements

• Time Tracking: North Carolina requires that your online study time is tracked. There is a maximum allowed of 8 hours in one day of instruction. In order to successfully complete the course, you must complete the required number of hours while studying in the Course Contents Units of the online course. Your online course tracker will be displayed in the upper right-hand corner of your page so that you can verify the time spent in the course is being tracked.
• Forced Progression: requires the user to successfully complete each page of the online course before being allowed to proceed to the next.
• Bio data/security questions: This state requires the use of bio-data questions to confirm you are in fact the intended user and that it was you that completed the course. To successfully complete the course, these questions must be answered correctly when asked.
• Proctor: This state requires a disinterested 3rd party proctor be present for online certification exams. A disinterested third party is someone with no conflict of interest, financial or otherwise. An example of someone who is a disinterested third party is a librarian or test center employee. An example of someone who is not a disinterested third party is an immediate family member (in-laws included), a prospective employer, or a coworker who is above/below your line of supervision.

Prelicensing Education Exemptions

Individuals holding one or more of the following designations or certifications are exempt from prelicensing education requirements if they pass the exam on their first attempt. If they fail, they must successfully meet the mandatory prelicensing education requirements prior to retaking the exam:

• Life: CIC, CEBS, CFP®
• Accident and Health or Sickness: RHU, CEBS, REBC, HIA
• Property, Casualty, Personal Lines: AAI, ARM, CIC
• Someone who holds a degree in insurance (associate or bachelors) can also be waived from prelicensing. 

Note: To receive a waiver, applicants must submit a written request.

Adjuster License Requirements

All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license.

2. Pass Your North Carolina Licensing Exam

3. Get Fingerprinted

Print the Fingerprint Submission Packet-Releases forms from the NIPR email link after you submit your license application.

• Call Local law enforcement to obtain days/hours for fingerprinting service; be sure to find out if the local law enforcement office will do Livescan fingerprints for non-criminal reasons. (Fingerprints cards will not be accepted.)
• Take form packet including cover page to local law enforcement agency for digital fingerprints.
  • Applicant must have a photo ID.
  • Applicant completes pages 1 and 3 of the packet.
  • Local Law enforcement person taking the prints must sign page 2 of the packet.
  • The local law enforcement agency may require a fee to take the fingerprint impressions.
• Send the completed SBI forms pages 1 through 3 to the North Carolina Licensing Office of Pearson VUE via:
  • Fax to: 888-959-3010 or;
  • Scan documents and send via email to: NorthCarolinaLicensingOffice@Pearson.com; or
  • Mail to: NCDOI/Pearson VUE PO Box 14209 Raleigh, NC 27620

Note: The SBI Release Form MUST be signed and sent to the North Carolina Licensing Office of Pearson VUE.

4. Apply for North Carolina Insurance License

Once you pass the state licensing exam, you must complete an electronic application at www.nipr.com. If required, fingerprints must be submitted after completing the license application.

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

5. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

Learn how to renew North Carolina insurance license by clicking here.