Property & Casualty Insurance Producer (North Carolina)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Property & Casualty Insurance Producer (North Carolina): a 182-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (79%) and N.C.G.S. (8%) of this exam's citations.

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3

full papers, no repeats

50

questions per paper

182

questions in the bank

What this exam covers

Casualty Insurance: Liability and Commercial General Liability14%
Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance14%
Insurance Contracts, Policy Structure, and Risk Concepts14%
Nc Appointment Termination2%
Nc Auto Liability And Notices3%
Nc Coastal Property Programs2%
Nc Continuing Education2%
Nc Guaranty Association3%
Nc Licensing Requirements3%
Nc Unfair Trade Practices2%
Personal Auto, Commercial Auto, Workers Compensation, and Umbrella14%
Producer Ethics, Advertising, Licensing Duties, and General Regulation14%
Property Insurance: Homeowners, Dwelling, and Commercial Property14%

5 real sample questions

Effective October 1, 2025, which of the following is true of North Carolina's prelicensing education requirement for a new Property and Casualty producer applicant?

A. Applicants must still complete 20 hours of prelicensing education before sitting for the state exam

B. The prelicensing education requirement was eliminated by House Bill 737 (Session Law 2025-45), and applicants may go directly to the state licensing exam

C. Prelicensing education is now optional but the hour requirement was reduced from 20 to 10 hours

D. The prelicensing requirement was eliminated only for Personal Lines, not for full Property and Casualty authority

Source: S.L. 2025-45 (HB 737), eff. Oct. 1, 2025

Before House Bill 737 took effect, North Carolina's statutory prelicensing hour requirement for the Property line of authority was:

A. 10 hours

B. 40 hours

C. 20 hours

D. There was never a set hour requirement, only a course completion certificate

Source: S.L. 2025-45 (HB 737)

An applicant submitted a North Carolina Property and Casualty license application through NIPR on September 20, 2025. Under NCDOI's transition guidance for HB 737, this applicant is required to:

A. Present a prelicensing course completion certificate at the Pearson VUE testing center, because the application was submitted before the October 1, 2025 effective date

B. Complete a new 20-hour course regardless of application date

C. Do nothing further, since the repeal applies retroactively to any pending application

D. Wait until October 1, 2025 to resubmit the application so the certificate requirement is waived

Source: S.L. 2025-45 (HB 737)

Under North Carolina's interstate reciprocity statute (G.S. 58-33-32), a nonresident producer who wants a North Carolina Property and Casualty nonresident license must generally:

A. Hold an active resident producer license in good standing in their home state and submit the required application and fees

B. Complete North Carolina's 20-hour prelicensing course regardless of home-state status

C. Sit for and pass the North Carolina state Property and Casualty exam in person

D. Maintain a physical business address within North Carolina

Source: G.S. 58-33-32

How many total continuing education (CE) hours must a North Carolina resident Property and Casualty producer complete during each two-year compliance period?

A. 24 hours

B. 12 hours

C. 40 hours

D. 8 hours

Source: NCDOI CE requirements for producers and adjusters

Same exam, other states

AL AR AZ CO CT IA IN KS KY LA MA MD MI MN MO MS NJ NV OK OR SC TN UT VA WA WI

Real-world data for this exam

Insurance Sales Agents: real median wage (NC)May 2025$58,710/yr

Frequently asked questions

How many questions are on the CertQuestUSA Property & Casualty Insurance Producer (North Carolina) practice test?

182 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Property & Casualty Insurance Producer (North Carolina) test cover?

13 domains, with the heaviest weight on Casualty Insurance: Liability and Commercial General Liability (14%), Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance (14%), and Insurance Contracts, Policy Structure, and Risk Concepts (14%).

Where do CertQuestUSA's Property & Casualty Insurance Producer (North Carolina) questions come from?

Primarily content.naic.org (79%) and N.C.G.S. (8%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Property & Casualty Insurance Producer (North Carolina)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.