Part of the expanding PassProfessor catalog: 9,994 questions, covering the content areas the South Carolina exam tests and independently audited. Join the notify list and we will email you when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
South Carolina licenses property and casualty producers through one combined exam — the South Carolina Property, Casualty, Surety and Marine Insurance Producer exam, given by Pearson VUE: 130 scored questions in 165 minutes, and a score of 70 to pass. PassProfessor’s South Carolina program will give you 9,994 original practice questions covering the same content areas the real exam tests — including 2,500 questions on South Carolina statutes and regulations alone — with an explanation on every question and full practice exams generated fresh, weighted to the published outline, every time you sit one. A free sample comes with the program; the full South Carolina program will be $29 when enrollment opens.
What’s included
A South Carolina bank, built for a coastal state’s exam. The combined exam puts 30 of its 130 scored questions — 23% of your score — on South Carolina law: the Department and its Director, licensing and unfair trade practices, cancellation and nonrenewal rules, the Property and Casualty Insurance Guaranty Association, the valued policy law, auto and workers’ compensation rules, and the South Carolina Wind and Hail Underwriting Association, the coastal wind pool that national materials barely mention. Our South Carolina bank holds 9,994 questions, and 2,500 of them test South Carolina law specifically. That is the part of this exam a national course is most likely to shortchange, and it is where this program is deepest.
An explanation on every question. Every one of the 9,994 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 weighted to the real exam. Each full practice exam is generated fresh for that attempt — general-knowledge and South Carolina-law questions in the same proportions the published outline uses, with the heaviest content areas carrying the most weight. Questions you have not seen come first, and you never sit the same exam twice.
Drills by content area. Drill a single area — property policy types, casualty provisions, South Carolina laws common to all lines, the property-specific or casualty-specific state rules — or sit the full timed simulation. Your results break down by area, so a weak block shows up in your practice data before it shows up on a score report.
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 South Carolina Insurance Licensing Candidate Handbook (stock #125000) and the South Carolina Examination Content Outlines (stock #125010), and the South Carolina Department of Insurance. Full detail — eligibility, registration, fingerprints, retakes, test day — is in our South Carolina insurance exam guide.
| SC Property, Casualty, Surety and Marine Insurance Producer exam (InsSC-PCSM04) | |
|---|---|
| Administered by | Pearson VUE, for the South Carolina Department of Insurance (SCDOI) |
| Questions you will see | 140 |
| Scored questions | 130 (100 general knowledge + 30 South Carolina law) |
| Unscored pretest questions mixed in | 10 (you cannot tell which they are) |
| Time limit | 165 minutes (2 hours 45 minutes) |
| Passing standard | Score of 70 |
| Exam fee | $59, paid to Pearson VUE when you reserve |
| License fee | $25, paid to the state (separate from the exam fee; the producer license renews biennially at the same fee) |
- South Carolina requires no pre-licensing education for this license. There is no course you must complete before the exam — you prepare, pass, apply, and complete fingerprinting. Preparation is optional in South Carolina; passing is not.
- A score of 70 is a scaled passing standard, not a promise about percentages. Pearson VUE reports South Carolina results on a standard scale so different exam forms demand the same knowledge. Plan to practice comfortably above the line, not on it.
- The exam is given at Pearson VUE test centers and online through Pearson VUE’s OnVUE proctoring. South Carolina also offers separate single-line Property (InsSC-Prop04) and Casualty (InsSC-Cas06) exams; the combined PCSM exam is the route most full P&C producers take, and it is the exam this program prepares you for.
- You apply for the license after passing: your exam score report stays valid for 12 months, and the application goes through NIPR with the $25 license fee and a fingerprint background check.
How the practice covers the exam’s content areas
Our South Carolina bank organises its questions by content area — the subject blocks the real exam is built from. We describe the coverage this way deliberately: the bank’s general-knowledge questions are grouped under standard content-area headings, not under a claim that we reproduce South Carolina’s published outline headings verbatim. What matters for your preparation is the depth in each area, and the counts below are the bank itself, counted question by question.
| Content area | Practice questions |
|---|---|
| Insurance Terms and Related Concepts | 2,249 |
| Types of Policies, Bonds, and Related Terms (casualty) | 1,724 |
| Types of Policies (property) | 1,649 |
| Policy Provisions and Contract Law (property) | 974 |
| Policy Provisions (casualty) | 898 |
| South Carolina law | |
| South Carolina Laws and Regulations Pertinent to All Lines | 1,109 |
| South Carolina Laws and Regulations Pertinent to Casualty Insurance | 736 |
| South Carolina Laws and Regulations Pertinent to Property Insurance | 655 |
| Total | 9,994 |
On the real exam, the general-knowledge part (100 scored questions) is led by insurance terms and related concepts and by the two policy-types areas; the South Carolina part (30 scored questions) splits between rules common to all lines and rules specific to property and casualty. The generated practice exams follow those proportions, and the drills let you isolate any single block above.
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of South Carolina questions across the general and state-law content areas, with full explanations — enough to see how the program teaches and where you stand.
- Drill the South Carolina-law areas early. They are 30 of 130 scored questions — 23% of the exam — and the most concrete material on it: day counts, cancellation notices, the Wind and Hail Underwriting Association, the guaranty association, the valued policy law. Most candidates leave state law for last; the score report is where that shows.
- Drill by content area. Work your weakest general areas — terms and concepts and the policy-types blocks carry the general half of this exam — until the misses stop repeating.
- Sit full generated exams against the clock. 140 questions in 165 minutes is a pace of a little over a minute per question once pretest items are mixed in. Practice the pace, not just the material.
- Book the real exam through Pearson VUE when your practice scores sit comfortably above passing on full simulations — then apply through NIPR within 12 months of passing and complete the fingerprint step so the license can be issued.
Pricing
$29 — the full South Carolina program, when enrollment opens. All 9,994 questions, every explanation, unlimited fresh practice exams and content-area 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 — in a state that does not require you to take one. This program is the practice itself, priced below every one of them.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the South Carolina P&C exam?
You will see 140 questions in 165 minutes on the combined Property, Casualty, Surety and Marine exam (InsSC-PCSM04). Of those, 130 are scored — 100 on general insurance knowledge and 30 on South Carolina laws and regulations — and the rest are unscored pretest questions mixed in so you cannot identify them. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the South Carolina P&C exam?
A score of 70. Pearson VUE reports results on a standard scale so that every version of the exam demands the same level of knowledge, which means the passing score is not a simple percentage of questions answered correctly. The only score that matters is the one on your official score report.
Does South Carolina require a pre-licensing course before the exam?
No. South Carolina does not require pre-licensing education for a producer license. You may prepare however you choose, take the Pearson VUE exam, and then apply. The Department recommends preparation — the exam is comprehensive — but no course, hours, or certificate gate the exam itself.
How much does it cost to get a South Carolina P&C license?
The exam fee is $59, paid to Pearson VUE when you reserve your appointment, and it applies to each attempt. After you pass, the license fee is $25, paid with your application through NIPR. Fingerprinting through the state’s designated vendor carries its own separate fee. There is no state-required course fee, because South Carolina requires no course — preparation, like this program at $29, is your choice.
Who administers the South Carolina insurance exam?
Pearson VUE administers the exam for the South Carolina Department of Insurance and has been the state’s exam vendor since May 1, 2023. You reserve your appointment on Pearson VUE’s South Carolina insurance page or by phone at 877-759-5226, and you can test at a Pearson VUE test center or online through OnVUE proctoring.
What do I do after I pass?
Apply for the license online through NIPR — the Department advises waiting two days after passing before applying, so your result is on file. Resident applicants must also be fingerprinted for a criminal history check through the FBI and the South Carolina Law Enforcement Division (SLED); after you submit your application you will receive instructions for scheduling fingerprinting, and the license cannot be approved until that step is complete. Your exam result stays valid for 12 months.
What happens if I fail?
You reserve a new appointment and test again; the $59 exam fee applies to each attempt, and South Carolina allows up to six attempts at the same exam per calendar year. Your score report includes diagnostic information about your performance, and your practice data here breaks down by content area, so a retake plan can target the blocks that cost you.
How long is my passing score good for?
Twelve months. The Department treats your exam report as expiring 12 months after it is issued, so complete your license application inside that window.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to the content areas and South Carolina law the published outline tests. 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.
Does this program count as pre-licensing education?
South Carolina requires no pre-licensing education for this license, 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. It exists to prepare you for the exam itself.
Why does the South Carolina-law part get its own drills?
Because it is 30 of the 130 scored questions — nearly a quarter of the exam — and it is the part national study materials cover thinnest. South Carolina tests its own institutions and rules: the Wind and Hail Underwriting Association for coastal property, the Property and Casualty Insurance Guaranty Association, the valued policy law, state cancellation and nonrenewal rules, and South Carolina workers’ compensation and auto requirements. Our bank holds 2,500 South Carolina-law questions so that block can be drilled on its own until it is the easiest part of your exam.
When can I enroll in the South Carolina program?
The question bank is complete, and enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
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 South 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.