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North Carolina Personal Lines License - Exam Section Weights & Requirements

What the North Carolina Personal Lines exam tests, section by section, taken from the state's own published content outline, with exam prep built to the same weights.

North Carolina issues this as Personal Lines.

Exam logistics

Where to apply and book the exam

We have not published a step-by-step North Carolina checklist yet. These are the official sources; anything on this page that is not cited to one of them comes from the state's own published exam outline.

What North Carolina requires

Transcribed from NIPR's North Carolina resident licensing requirements page, read 2026-09-16. Fees and rules change; confirm against North Carolina Department of Insurance before you file.

Application fee

$82 (reinstatement $84) (Insurance Producer)

State exam

Insurance Producer exams cover Life, Accident & Health or Sickness, Property, Casualty, Personal Lines and Med Supp/Long Term Care. Auto Physical Damage, Adjuster, Hail Adjuster, Public Adjuster, Surplus Lines, Title and the three bail bondsman classes all require exams.

Pre-licensing education

A Certificate of Pre-Licensing Education must be submitted by bail bondsman applicants. No pre-licensing education requirement is stated on this page for producer or adjuster classes, and no hour count is printed.

Fingerprints and background check

Since 1 October 2010 fingerprints have been required for initial Insurance Producer, Auto Physical Damage, Limited Representative, Public Adjuster, Title Insurance, Viatical Settlement Broker and bail bondsman licences. A $38 fingerprint fee applies and prints must be submitted electronically for a state and federal criminal history background check.

How to apply

File the resident initial application on NIPR BEFORE taking any required licensing examination. Exams cannot be scheduled until the NIPR application is complete and Pearson VUE sends an email authorisation.

Also worth knowing

NIPR applications are valid for six months from submission. North Carolina stopped issuing Broker licences on 7 July 2022. Producer amendment fee $44 plus $50 per line of authority.

Source: NIPR, North Carolina resident licensing requirements, individual, read 2026-09-16. Anything absent above is something that page does not state, which is not the same as the state not requiring it.

What's actually on the exam

Section weights below are derived from Pearson VUE publication #123415 (03/2026), effective 2026-03-02 - not a national average. Our practice questions and final exam are sampled to the same proportions.

• I. Types of Policies36.25% (29 of 80)
• II. Insurance Terms and Related Concepts6.25% (5 of 80)
• III. Policy Provisions and Contract Law2.5% (2 of 80)
• IV. Personal Policies — Auto and Umbrella20% (16 of 80)
• V. Insurance Terms and Related Concepts (Casualty emphasis)2.5% (2 of 80)
• VI. Policy Provisions2.5% (2 of 80)
• VI. North Carolina Insurance Code and Department of Insurance17.5% (14 of 80)
• VII. North Carolina Statutes Pertinent to Property and Casualty12.5% (10 of 80)

Source: Pearson VUE #123415 (03/2026) eff. 2026-03-02.

Frequently asked questions