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Free North Carolina Casualty Practice Test Online

Official exam: Property & Casualty Insurance Producer (North Carolina)

Take a free North Carolina Casualty practice test online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 182-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

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 written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a 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
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
Show answer and reasoning

Correct answer: 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

Correct. HB 737/S.L. 2025-45 removed the mandatory prelicensing course requirement statewide.

  • A: Incorrect. This describes the rule that applied before October 1, 2025; it no longer applies to new applications filed on or after that date.
  • C: Incorrect. The law did not reduce the hour requirement to a smaller optional number; it eliminated the mandatory requirement entirely.
  • D: Incorrect. The repeal applies to Property, Casualty, and Personal Lines alike, not to Personal Lines only.
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
Show answer and reasoning

Correct answer: C. 20 hours

Correct. The pre-repeal requirement for Property (and Casualty, and Personal Lines) was 20 hours.

  • A: Incorrect. 10 hours was the requirement for Medicare Supplement/Long-Term Care, not Property.
  • B: Incorrect. 40 hours was never the NC Property prelicensing requirement.
  • D: Incorrect. NC did specify a numeric hour requirement, not just a pass/fail certificate with no hour minimum.
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
Show answer and reasoning

Correct answer: 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

Correct. Pre-October 1 applicants remain subject to the certificate requirement under NCDOI's transition rule.

  • B: Incorrect. No new course is required; the existing certificate obligation from the pre-repeal rule simply still applies to this application.
  • C: Incorrect. The repeal is not retroactive to applications already filed before the effective date.
  • D: Incorrect. Resubmitting does not change the fact the original application predates the effective date, and re-filing is not how NCDOI's transition guidance works.
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
Show answer and reasoning

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

Correct. Reciprocity is based on the applicant's active, good-standing home-state resident license plus the application and fee requirements.

  • B: Incorrect. Prelicensing education is not the reciprocity mechanism, and NC no longer mandates prelicensing hours for any applicant post-HB 737.
  • C: Incorrect. Reciprocal nonresident applicants are not generally required to sit for a separate NC state exam.
  • D: Incorrect. A NC physical business address is not a condition of nonresident licensure.
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
Show answer and reasoning

Correct answer: A. 24 hours

Correct. NCDOI requires 24 CE hours per two-year compliance period.

  • B: Incorrect. 12 hours understates NC's biennial CE requirement.
  • C: Incorrect. 40 hours overstates the requirement.
  • D: Incorrect. 8 hours is far below the actual NC requirement.
Source: NCDOI CE requirements for producers and adjusters
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 Casualty practice test online?
Right here. CertQuestUSA's free North Carolina Casualty practice test 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 182-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 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 Property & Casualty 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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