Life, Accident & Health Insurance Producer License (SC)

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

TL;DR

Life, Accident & Health Insurance Producer License (SC): a 32-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 32 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 S.C. Code Ann. (80%) and S.C. Code Regs. (10%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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3

full papers, no repeats

32

questions per paper

32

questions in the bank

What this exam covers

Annuities16%
Claims Settlement6%
Disability Income6%
Group Vs Individual6%
Life Fundamentals19%
Long Term Care6%
Sc Continuing Education6%
Sc License Scope16%
Sc Producer Duties6%
Sc Producer Licensing6%
Underwriting6%

5 real sample questions

Under South Carolina's insurance producer licensing statute, how are "Life" and "Accident and Health" treated as lines of authority?

A. They are combined into a single, statutorily inseparable line called "Life, Accident and Health," and can never be held separately

B. They are defined as two distinct lines of authority under S.C. Code Ann. § 38-43-75, but a producer commonly qualifies for and holds both together, often through a combined "Life, Accident and Health" examination and license

C. South Carolina does not license life insurance producers at all

D. Only Accident and Health is a recognized line; Life insurance requires no license in South Carolina

Source: S.C. Code Ann. § 38-43-75

How does South Carolina statute define the "Life" line of authority?

A. Coverage on human lives, including endowments, annuities, and disability benefits

B. Coverage limited strictly to burial expenses

C. Coverage for property damage caused by fire

D. Coverage exclusively for group employer-sponsored plans

Source: S.C. Code Ann. § 38-43-75

How does South Carolina statute define the "Accident and Health" line of authority?

A. Insurance coverage for sickness, bodily injury, or accidental death, which may include benefits for disability income

B. Insurance coverage solely for automobile accidents

C. Insurance coverage limited to dental procedures only

D. Insurance coverage that excludes any disability-related benefits

Source: S.C. Code Ann. § 38-43-75

A producer licensed only in Accident and Health attempts to sell a whole life insurance policy with a cash value component in South Carolina. What is the problem with this transaction?

A. There is no problem, since accident and health and life are considered the same line of authority

B. The producer is not qualified or licensed for the Life line of authority and is therefore prohibited from selling, soliciting, or negotiating this life insurance product

C. The problem only arises if the policy's face amount exceeds $1 million

D. There is no problem as long as the client signs a waiver

Source: S.C. Code Ann. § 38-43-20

What does South Carolina's producer licensing statute generally require of a resident applicant seeking a Life, Accident and Health license?

A. Passing a written examination demonstrating knowledge of the lines of authority sought, general insurance principles, producer duties, and South Carolina insurance law and regulations

B. Only submission of a completed application, with no examination of any kind

C. A four-year college degree in insurance or finance

D. Sponsorship by an existing licensed producer is required for every applicant regardless of license type

Source: S.C. Code Ann. § 38-43-100

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wage (SC)May 2025$61,350/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (SC) practice test?

32 questions total, split into 3 full papers of 32 each with no repeats across papers.

What topics does the Life, Accident & Health Insurance Producer License (SC) test cover?

11 domains, with the heaviest weight on Life Fundamentals (19%), Annuities (16%), and Sc License Scope (16%).

Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (SC) questions come from?

Primarily S.C. Code Ann. (80%) and S.C. Code Regs. (10%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Life, Accident & Health Insurance Producer License (SC)?

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