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Free North Carolina Health Insurance Practice Exam Online

Official exam: Health Insurance Producer (North Carolina)

Take a free North Carolina Health Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 158-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Health Insurance Producer (North Carolina): a 158-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily content.naic.org (55%) and healthcare.gov (16%) of this exam's citations.

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
50
questions per paper
158
questions in the bank
What this exam covers
5 real sample questions
Effective October 1, 2025, what changed for individuals applying for an insurance producer license in North Carolina, including applicants for the Accident and Health line?
A. Applicants are no longer required to complete prelicensing education before applying for a producer license
B. Applicants must now complete an additional 40 hours of prelicensing education
C. The Accident and Health license was merged into the Life license and can no longer be obtained separately
D. Applicants must now hold a college degree in a health-related field before applying
Show answer and reasoning

Correct answer: A. Applicants are no longer required to complete prelicensing education before applying for a producer license

Correct: this is exactly what S.L. 2025-45 did — it eliminated the prelicensing education requirement statewide for producer applicants.

  • B: Incorrect: the law removed a requirement, it did not add one.
  • C: Incorrect: NC still issues a distinct Accident and Health (health/sickness) license line; the two were not merged.
  • D: Incorrect: NC producer licensing has never required a specific college degree.
Source: N.C.G.S. § 58-33-30; S.L. 2025-45 (H.B. 737)
S.L. 2025-45 (House Bill 737), which eliminated NC's producer prelicensing education requirement, was enacted through what kind of legislative bill?
A. A single-topic bill addressing only prelicensing education
B. An omnibus Department of Insurance bill covering multiple, unrelated insurance regulatory provisions
C. A federal preemption directive adopted into state law
D. An emergency rule issued directly by the Insurance Commissioner without legislative action
Show answer and reasoning

Correct answer: B. An omnibus Department of Insurance bill covering multiple, unrelated insurance regulatory provisions

Correct: it was an omnibus Department of Insurance bill with multiple unrelated provisions.

  • A: Incorrect: the bill was not narrowly limited to this one topic.
  • C: Incorrect: this was a state legislative act passed by the NC General Assembly, not a federal action.
  • D: Incorrect: the Commissioner cannot repeal a statutory requirement by rule alone; it took an act of the General Assembly.
Source: S.L. 2025-45 (H.B. 737)
A person submits an application for an NC Accident and Health producer license on September 20, 2025. Under S.L. 2025-45, does the prelicensing education repeal apply to this application?
A. Yes, because the bill took effect the day it was signed by the Governor
B. Yes, the repeal applies retroactively to all pending applications regardless of submission date
C. No, the repeal applies only to applications submitted on or after October 1, 2025, so this applicant is still subject to the prior prelicensing education requirement
D. No, the repeal never applies to the Accident and Health line specifically
Show answer and reasoning

Correct answer: C. No, the repeal applies only to applications submitted on or after October 1, 2025, so this applicant is still subject to the prior prelicensing education requirement

Correct: the effective date is tied to the application submission date, and September 20 is before October 1, 2025.

  • A: Incorrect: the Governor signed the bill on July 1, 2025, but the operative effective date for this provision is October 1, 2025, not the signing date.
  • B: Incorrect: the change is not retroactive to already-pending applications filed before the effective date.
  • D: Incorrect: nothing in the law carves out the Accident and Health line from the repeal.
Source: N.C.G.S. § 58-33-30; S.L. 2025-45 (H.B. 737)
Before S.L. 2025-45 took effect, which NC agency's statute governed the prelicensing education requirement that was subsequently removed for producer applicants?
A. The NC Board of Education's professional standards commission
B. A federal statute enforced by the U.S. Department of Health and Human Services
C. The Secretary of State's business licensing division
D. N.C.G.S. § 58-33-30, administered by the North Carolina Department of Insurance
Show answer and reasoning

Correct answer: D. N.C.G.S. § 58-33-30, administered by the North Carolina Department of Insurance

Correct: N.C.G.S. § 58-33-30 is the producer licensing statute administered by NCDOI, and it was the provision amended by S.L. 2025-45.

  • A: Incorrect: insurance producer licensing is not administered by an education board.
  • B: Incorrect: insurance producer licensing is a state, not federal, function.
  • C: Incorrect: the Secretary of State does not regulate insurance producer licensing in NC.
Source: N.C.G.S. § 58-33-30
S.L. 2025-45 also addressed resident applicants for which other NC supplementary license, beyond the general producer license, when it removed the prescribed-instruction requirement in G.S. § 58-33-30?
A. Medicare supplement and long-term care supplementary license
B. Surplus lines broker license
C. Public adjuster license
D. Title insurance agency license
Show answer and reasoning

Correct answer: A. Medicare supplement and long-term care supplementary license

Correct: the bill text specifically references resident applicants for a Medicare supplement and long-term care supplementary license.

  • B: Incorrect: surplus lines broker licensing was not the license named in this provision.
  • C: Incorrect: public adjuster licensing is governed by a different statutory scheme and was not the license named in this provision.
  • D: Incorrect: title insurance agency licensing was not the license named in this provision.
Source: S.L. 2025-45 (H.B. 737)
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (NC)May 2025$58,710/yr

Frequently asked questions

Where can I take a free North Carolina Health Insurance practice exam online?
Right here. CertQuestUSA's free North Carolina Health Insurance practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 158-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Health Insurance Producer (North Carolina) practice test?
158 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Health Insurance Producer (North Carolina) test cover?
13 domains, with the heaviest weight on Health Insurance Basics and Policy Types (16%), Medical Expense, Managed Care, and Cost-Sharing (16%), and Policy Provisions, Renewability, Riders, and Exclusions (16%).
Where do CertQuestUSA's Health Insurance Producer (North Carolina) questions come from?
Primarily content.naic.org (55%) and healthcare.gov (16%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Health Insurance Producer (North Carolina) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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