Enrollment open: 9,993 questions. Enroll today and start practicing for both exams.
North Carolina does not offer a combined property and casualty exam. It licenses the two lines separately, through two Pearson VUE exams — the Property Agent exam and the Casualty Agent exam — each with 55 scored questions in 75 minutes, and each requiring a scaled score of 70, scored on its own. PassProfessor’s North Carolina program is one practice bank built for both: 9,993 original questions covering both exams’ published outlines — including 2,499 questions on North Carolina statutes and regulations alone — with an explanation on every question, and practice exams you can generate for the Property exam, the Casualty exam, each taken on its own as a separate 55-question practice exam. A free sample comes with the program; the full North Carolina program will be $29 when enrollment opens.
What’s included
One bank, built for two exams. Because North Carolina scores Property and Casualty separately, a strong Property result cannot rescue a weak Casualty sitting — you have to pass each exam on its own. This program is organized the same way the state tests: drill and sit practice exams for the Property Agent exam on its own, the Casualty Agent exam on its own, as two separate 55-question practice exams, each taken in its own sitting. One purchase covers both exams; there is no second product to buy for the second line.
A North Carolina bank, not a national bank with a North Carolina chapter. Each of the two exams ends with a full section of North Carolina statutes and regulations — the North Carolina Rate Bureau, the Motor Vehicle Reinsurance Facility, the Beach Plan’s essential property insurance, the FAIR Plan, the Post Assessment Insurance Guaranty Association. Our North Carolina bank holds 9,993 questions, and 2,499 of them test North Carolina law specifically — 1,261 on the property statutes and 1,238 on the casualty statutes. That is the material national courses cover most lightly, and it appears on both of the exams you have to pass.
An explanation on every question. Every one of the 9,993 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at each real exam’s shape. Generate a full Property simulation — terms and concepts, personal coverages, commercial coverages, and North Carolina property law in the proportions the published outline gives them — or a full Casualty simulation on its own outline: each simulation is a separate 55-question practice exam taken in its own sitting. Questions you have not seen come first, and you never sit the same generated exam twice.
Drills that match how the exams are built. Drill a single outline section — North Carolina casualty statutes, commercial coverages, personal coverages — across either exam, or sit a full timed simulation. Your results break down by outline section, so a weak area shows up in your practice data before it shows up on a score report. With two separately scored exams, that breakdown tells you which sitting is actually at risk.
Readiness you can read per exam. Because the state gives you two results, not one, this program tracks two readiness pictures, not one. Your Property simulations and your Casualty simulations score separately, by outline section, so you can see — before you schedule — whether it is the dwelling forms or the workers’ compensation block that is still costing you. A combined average would hide exactly the information a North Carolina candidate needs; a per-exam breakdown cannot.
Built for the post-2025 rules. North Carolina rewrote its entry path in 2025: the mandated pre-licensing course is gone, the application now comes before the exams, and the six-month completion clock runs from the day you apply. This program’s structure follows the process as it actually runs today — per-exam practice for two separately scored sittings, state law drilled per line, and nothing in it pretending a combined exam or a required course still exists.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be, not as it shipped.
The real exam at a glance
Current as of October 2026, per the Pearson VUE North Carolina Candidate Handbook (publication #123400) and its North Carolina content outlines (effective March 15, 2024), and the North Carolina Department of Insurance (NCDOI) licensing checklist (dated 10.31.25). Full detail — the application-first sequence, fingerprints, retakes, test day — is in our North Carolina insurance exam guide.
| Property Agent exam (code 04) | Casualty Agent exam (code 05) | |
|---|---|---|
| Administered by | Pearson VUE, for the North Carolina Department of Insurance | Pearson VUE, for the North Carolina Department of Insurance |
| Questions you will see | 60 | 60 |
| Scored questions | 55 | 55 |
| Unscored pretest questions mixed in | 5 (you cannot tell which they are) | 5 (you cannot tell which they are) |
| Time limit | 75 minutes | 75 minutes |
| Passing standard | Scaled score of 70 — on this exam alone | Scaled score of 70 — on this exam alone |
| Exam fee | $45 per attempt, paid to Pearson VUE | $45 per attempt, paid to Pearson VUE |
License fees, paid to the state through NIPR and kept separate from the exam fees above: $50 per line of authority ($100 if you take both lines), a $44 application processing fee per application, and a $38 criminal history record check fee.
- North Carolina requires no pre-licensing education for these licenses — as of October 1, 2025. House Bill 737 (Session Law 2025-45) eliminated the state’s pre-licensing course requirement, which used to be 20 hours per line. Candidates applying on or after October 1, 2025 need no course, no course certificate, and no exam admission ticket. Preparation is now entirely your choice — which makes the quality of your preparation the variable you control.
- You apply before you test. North Carolina runs the sequence in the opposite order from many states: you file your license application through NIPR first, and Pearson VUE then emails you the authorization you need to schedule each exam. All licensing requirements must be completed within six months of your application date.
- A scaled score of 70 is not 70%. Pearson VUE converts results to a scaled score so different exam forms demand the same knowledge. And because the two exams are scored separately, you need a 70 on each — plan to practice comfortably above the line on both, not on one.
- Passing one exam is not yet a license. If you applied for both lines on one application, NCDOI’s checklist is explicit: no license is issued until all the exams for the lines on that application are passed.
- Fingerprints, the North Carolina way. Resident applicants do not use the national fingerprint-vendor kiosks most states route through. Your prints are captured electronically by a law enforcement agency approved by the State Bureau of Investigation, the certified forms go up through NIPR, and NCDOI directs you to submit them within 30 days of applying. Our North Carolina insurance exam guide walks through the forms and the sequence step by step.
- Neither exam is the “easy half.” Each is 55 scored questions deep, each ends in its own state-law section, and each has ended licensing timelines on its own — the Property exam on its form distinctions (DP-1 against DP-3, the Standard Fire Policy’s terms), the Casualty exam on North Carolina auto rules and the Reinsurance Facility. Treat them as two finish lines, because the state does.
How the practice maps to the real exam
Every question in the North Carolina bank is tagged to a section of the published North Carolina outlines for the Property Agent and Casualty Agent exams — both exams use the same four-section structure (Terms and Concepts; Personal Insurance Coverages; Commercial Insurance Coverages; and a North Carolina statutes section specific to the line). Counts below are the bank itself, counted question by question.
| Bank topic (both exams’ outlines) | Practice questions |
|---|---|
| I. Terms and Concepts | 2,249 |
| II. Personal Insurance Coverages | 3,521 |
| III. Commercial Insurance Coverages | 1,724 |
| North Carolina Statutes and Regulations Pertinent to Property Insurance | 1,261 |
| North Carolina Statutes and Regulations Pertinent to Casualty Insurance | 1,238 |
| Total | 9,993 |
The two North Carolina-law sections are kept separate in the bank for a reason: the property statutes section and the casualty statutes section test different institutions and different rules, and they sit on different exams. You can drill each one against the exam it actually belongs to.
How to use it
- Enroll today. Start with free sample questions — a fixed set of North Carolina questions drawn from both exams’ outlines, with full explanations — enough to see how the program teaches and where you stand.
- File your NIPR application early. North Carolina’s clock runs from the application, not the exam: you have six months from applying to complete every requirement, and Pearson VUE’s scheduling authorization follows the application. Do not leave the paperwork for after you feel ready.
- Drill the North Carolina-law sections early. Each exam carries its own state-law section, and it is the most concrete material on either test — named institutions, statutory duties, day counts. Most candidates leave it for last; the score report is where that shows.
- Sit per-exam simulations against the clock. Fifty-five scored questions in 75 minutes, twice — once for Property, once for Casualty. Practice each sitting at its real length and pace, taken one exam at a time, each on its own.
- Book each real exam through Pearson VUE once your per-exam practice scores sit comfortably above passing — then complete the fingerprint step inside your six-month window so the license can issue.
Pricing
$29 — the full North Carolina program, when enrollment opens. All 9,993 questions covering both the Property and the Casualty exams, every explanation, unlimited fresh practice exams and section drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349 — courses North Carolina no longer requires you to take at all. This program is the practice itself, for both exams, priced below every one of them.
Verified questions
Every question in this program is original — written for PassProfessor from the official exam blueprint, never copied from a test bank or another provider’s materials. Before enrollment opened, each answer key was independently verified: reviewers re-answered sampled questions blind, disagreements were settled against the primary sources, and every numeric answer was recomputed from first principles. Questions whose facts could not be confirmed were removed, and the bank passed a text-overlap screen. Practice exams draw a fresh, blueprint-weighted set from the full bank on every attempt, so no two practice exams are the same.
Frequently asked questions
How many questions are on the North Carolina P&C exams?
There is no single North Carolina P&C exam. There are two: the Property Agent exam and the Casualty Agent exam. Each shows you 60 questions in 75 minutes — 55 scored questions plus 5 unscored pretest questions mixed in so you cannot identify them. Across both sittings you will answer 110 scored questions. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the North Carolina insurance exams?
A scaled score of 70 on each exam, separately. Pearson VUE scales results so that every version of an exam demands the same level of knowledge, which means a scaled 70 is not the same thing as answering 70% of the questions correctly. A high score on the Property exam cannot offset a lower score on the Casualty exam — each sitting produces its own result.
Does North Carolina require pre-licensing education?
No — not anymore. Effective October 1, 2025, House Bill 737 (Session Law 2025-45) eliminated North Carolina’s pre-licensing education requirement, which had been 20 hours per line. If you apply on or after that date, no course, course certificate, or exam admission ticket is required before you test. Studying is still how people pass; it is simply no longer a state-mandated course.
Does this program count as pre-licensing education?
North Carolina requires no pre-licensing education for these licenses, and this program is exam preparation only — it provides no education credit in any state and is not a substitute for any state-required course anywhere. It exists to prepare you for the two exams themselves.
How much does it cost to get a North Carolina P&C license?
The exams cost $45 each per attempt — $90 for both — paid to Pearson VUE. The state side, paid through NIPR when you apply, is $50 per line of authority ($100 for both lines), a $44 application processing fee per application, and a $38 criminal history record check fee. Our practice program is $29 and covers both exams.
Who administers the North Carolina insurance exams?
Pearson VUE administers both exams for the North Carolina Department of Insurance. You do not schedule cold, though: you first apply through NIPR, and Pearson VUE emails you an authorization — typically within 24 to 48 hours — with the information you use to schedule each exam.
Why does North Carolina make me apply before I take the exam?
That is the state’s sequence: the application opens your licensing file, triggers your fingerprint instructions, and generates your Pearson VUE testing authorization. It also starts a clock — all requirements must be completed within six months of the application date, or the fees are forfeited and you must reapply.
What do I do after I pass both exams?
If your application, fingerprints, and background check are complete, the NC Licensing Office of Pearson VUE reviews the application, and once it is approved you receive an email with instructions to print your license through SBS Connect. If you applied for both lines, the license issues only after both exams are passed. You then need an appointment from each insurer whose products you will sell before you can place business with them.
What happens if I fail one of the exams?
You retake only the exam you failed — a passed exam stays passed. A retake needs a new authorization: because one authorization covers one exam sitting, NCDOI must send Pearson VUE a new authorization record before you can reschedule, and the $45 exam fee applies to each attempt. Your other exam’s result is unaffected — but remember the six-month window from your application date keeps running.
How long is my passing score good for?
North Carolina frames it as an application window rather than a score expiry: every licensing requirement, including both exams, must be completed within six months of your NIPR application date. Miss the window and the submitted fees are forfeited and you reapply.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to Pearson VUE’s published North Carolina content outlines and North Carolina insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Why is there one practice program for two separate exams?
Because most North Carolina P&C candidates take both, and the two outlines share their first three section headings — terms and concepts, personal coverages, commercial coverages — while each carries its own North Carolina-law section. One bank lets you drill the shared structure once and the state law separately per exam, and generate a practice sitting for either exam. The state’s exams stay separate, and the practice exams are separate too, as two 55-question exams taken one at a time.
When can I enroll in the North Carolina program?
Enrollment is open — use the enroll button on this page to get started today.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the North Carolina Department of Insurance, Pearson VUE, or any state agency or exam vendor. All practice questions are original, written to the published exam outline; they are not actual exam questions.
Exam change alert: North Carolina rebating law changes January 1, 2027
North Carolina’s rebating law — part of the state-law sections of both producer exams — is rewritten effective January 1, 2027. Which law your exam follows depends on your test date. Read the North Carolina insurance exam changes page