NORTH CAROLINA LIFE AND HEALTH
INSURANCE EXAM BANK 2025/2026 | ACCURATE
CURRENTLY TESTING EXAM VERSIONS WITH
REAL EXAM QUESTIONS AND ANSWERS WITH
PRACTICE EXAMS AND STUDY GUIDES |
EXPERT VERIFIED FOR GUARANTEED PASS |
LATEST UPDATE/NC ACCIDENT AND HEALTH
LICENSING EXAM BANK LATEST UPDATE
Table of contents
Nc Life Insurance Exam Prep ……………………………………………………………………………..…. 3
North Carolina Health Insurance State Exam Prep ……………………………………………….………. 28
Nc - Health Insurance - Practice Exam Questions …………………………………………….…….……... 34
North Carolina Xcel Testing Life & Health Insurance Exam Study …………………………...….…….... 62
Nc Life And Health Insurance Study Questions …………………………………...……….………………. 78
North Carolina Health Insurance Exam ………………………………………………………….…………. 122
Nc Life Insurance Practice Exam Questions ………………………………………………………..……….. 160
Certification Exam: North Carolina Life And Health Pre-Licensing ……………………………...………. 212
Nc Health Insurance Exam Pearson Vue …………………………………………………………..………… 225
Nc Accident And Health Licensing ……………………………………………………………………..……... 244
Nc Accident And Health Or Sickness Exam Prep (Group 2) ………………………………………….…….. 258
Nc Accident And Health Final Exam Prep …………………………………………………….…………..….. 261
Final Exam - North Carolina Life And Health ………………………………………………………….……. 275
North Carolina Life And Health ………………………………………………………………………..……… 292
North Carolina Life And Health State Exam Simulator ………………………………………………..……. 309
Nc Accident & Health Practice Exam ………………………………………………………………………….. 327
Nc Insurance Exam …………………………………………………………………………………………..….. 334
Nc Life Insurance State Exam Study Guideline ……………………………………………………………….. 338
1|Page
,Nc Accident And Health Or Sickness Agent Exam Prep ………………………………….…… 360
Nc Life Agent Exam ………………………………………………………………………………. 363
Nc Certification Exam - Life And Health - Missed Questions ………………………………….. 410
North Carolina Surplus Lines Insurance Exam …………………………………………………. 435
Life And Health Insurance Study Questions (Nc) ,………………………………………………. 441
Final Exam - North Carolina Life Agent …………………………………………………………. 467
Nc Rules And Laws Study Guide ………………………………………………………………….. 483
Nc Life And Health Insurance ………………………………………………………….………….. 490
Nc Life Insurance State Laws/Regulations ………………………………………………………... 519
Nc Life & Health Law ………………………………………………………………………………. 526
North Carolina Laws And Rules Insurance ……………………………………………………….. 537
Laws And Rules (Nc Health) …………………………………………………………………...…… 541
2|Page
,NC Life Insurance Exam Prep
An agent who sells an individual life insurance policy in NC MUST deliver to the policyowner -
CORRECT ANSWER ✔✔- A policy summary and buyer's guide
All of the following actions are considered rebating EXCEPT - CORRECT ANSWER ✔✔-
Sharing commissions with other licensed and appointed agents
What benefit does the Payor Clause on a Juvenile Life Policy provide? - CORRECT ANSWER
✔✔- Premiums are waived if payor becomes disabled
An agent who signs a blank contract application or policy of insurance - CORRECT ANSWER
✔✔- Is guilty of a misdemeanor
A person is required to be AT LEAST how old before he or she is licensed as an agent in NC? -
CORRECT ANSWER ✔✔- 18
In a life insurance policy, which feature states that the policy will not cover certain risks? -
CORRECT ANSWER ✔✔- Exclusion
Whole Life insurance are contractually guaranteed to provide each of the following EXCEPT? -
CORRECT ANSWER ✔✔- Partial withdrawal features beyond a surrender charge period
A term life insurance policy matures - CORRECT ANSWER ✔✔- Upon the insured's death
during the term of the policy
Which of these provisions require proof of insurability after a policy has lapsed? - CORRECT
ANSWER ✔✔- Reinstatement
3|Page
, How does a typical Variable Life Policy Investment account grow? - CORRECT ANSWER
✔✔- Through mutual funds, stocks, and bonds
Circulation of any oral or written statement or any pamphlet, circular, article or literature that is
false or maliciously critical of or derogatory to the financial condition of an insurer is known as -
CORRECT ANSWER ✔✔- Defamation
All of the following are considered characteristics describing the nature of an insurance contract
EXCEPT - CORRECT ANSWER ✔✔- Bilateral
A 15-year mortgage is best protected by what kind of life policy? - CORRECT ANSWER ✔✔-
15-year decreasing term
Companies in NC may transact solicitations for insurance ONLY through - CORRECT
ANSWER ✔✔- Licensed agents
Which of these retirement plans can be started by an employee, even if another plan is in
existence - CORRECT ANSWER ✔✔- Individual Retirement Account (IRA)
A life policy with a death benefit that can fluctuate according to the performance of its
underlying investment portfolio is referred to as - CORRECT ANSWER ✔✔- Variable life
If an annuity is terminated prior to the beginning of the income payment period, the contract
owner receives - CORRECT ANSWER ✔✔- The contract surrender value at that time
A provision in a life insurance policy that pays the policy owner an amount that doesn't surpass
the guaranteed cash value is called the - CORRECT ANSWER ✔✔- Policy Loan Provision
When does a Guaranteed Insurability Rider allow the insured to buy additional coverage? -
CORRECT ANSWER ✔✔- At future dates specified in the contract with no evidence of
insurability required
4|Page
INSURANCE EXAM BANK 2025/2026 | ACCURATE
CURRENTLY TESTING EXAM VERSIONS WITH
REAL EXAM QUESTIONS AND ANSWERS WITH
PRACTICE EXAMS AND STUDY GUIDES |
EXPERT VERIFIED FOR GUARANTEED PASS |
LATEST UPDATE/NC ACCIDENT AND HEALTH
LICENSING EXAM BANK LATEST UPDATE
Table of contents
Nc Life Insurance Exam Prep ……………………………………………………………………………..…. 3
North Carolina Health Insurance State Exam Prep ……………………………………………….………. 28
Nc - Health Insurance - Practice Exam Questions …………………………………………….…….……... 34
North Carolina Xcel Testing Life & Health Insurance Exam Study …………………………...….…….... 62
Nc Life And Health Insurance Study Questions …………………………………...……….………………. 78
North Carolina Health Insurance Exam ………………………………………………………….…………. 122
Nc Life Insurance Practice Exam Questions ………………………………………………………..……….. 160
Certification Exam: North Carolina Life And Health Pre-Licensing ……………………………...………. 212
Nc Health Insurance Exam Pearson Vue …………………………………………………………..………… 225
Nc Accident And Health Licensing ……………………………………………………………………..……... 244
Nc Accident And Health Or Sickness Exam Prep (Group 2) ………………………………………….…….. 258
Nc Accident And Health Final Exam Prep …………………………………………………….…………..….. 261
Final Exam - North Carolina Life And Health ………………………………………………………….……. 275
North Carolina Life And Health ………………………………………………………………………..……… 292
North Carolina Life And Health State Exam Simulator ………………………………………………..……. 309
Nc Accident & Health Practice Exam ………………………………………………………………………….. 327
Nc Insurance Exam …………………………………………………………………………………………..….. 334
Nc Life Insurance State Exam Study Guideline ……………………………………………………………….. 338
1|Page
,Nc Accident And Health Or Sickness Agent Exam Prep ………………………………….…… 360
Nc Life Agent Exam ………………………………………………………………………………. 363
Nc Certification Exam - Life And Health - Missed Questions ………………………………….. 410
North Carolina Surplus Lines Insurance Exam …………………………………………………. 435
Life And Health Insurance Study Questions (Nc) ,………………………………………………. 441
Final Exam - North Carolina Life Agent …………………………………………………………. 467
Nc Rules And Laws Study Guide ………………………………………………………………….. 483
Nc Life And Health Insurance ………………………………………………………….………….. 490
Nc Life Insurance State Laws/Regulations ………………………………………………………... 519
Nc Life & Health Law ………………………………………………………………………………. 526
North Carolina Laws And Rules Insurance ……………………………………………………….. 537
Laws And Rules (Nc Health) …………………………………………………………………...…… 541
2|Page
,NC Life Insurance Exam Prep
An agent who sells an individual life insurance policy in NC MUST deliver to the policyowner -
CORRECT ANSWER ✔✔- A policy summary and buyer's guide
All of the following actions are considered rebating EXCEPT - CORRECT ANSWER ✔✔-
Sharing commissions with other licensed and appointed agents
What benefit does the Payor Clause on a Juvenile Life Policy provide? - CORRECT ANSWER
✔✔- Premiums are waived if payor becomes disabled
An agent who signs a blank contract application or policy of insurance - CORRECT ANSWER
✔✔- Is guilty of a misdemeanor
A person is required to be AT LEAST how old before he or she is licensed as an agent in NC? -
CORRECT ANSWER ✔✔- 18
In a life insurance policy, which feature states that the policy will not cover certain risks? -
CORRECT ANSWER ✔✔- Exclusion
Whole Life insurance are contractually guaranteed to provide each of the following EXCEPT? -
CORRECT ANSWER ✔✔- Partial withdrawal features beyond a surrender charge period
A term life insurance policy matures - CORRECT ANSWER ✔✔- Upon the insured's death
during the term of the policy
Which of these provisions require proof of insurability after a policy has lapsed? - CORRECT
ANSWER ✔✔- Reinstatement
3|Page
, How does a typical Variable Life Policy Investment account grow? - CORRECT ANSWER
✔✔- Through mutual funds, stocks, and bonds
Circulation of any oral or written statement or any pamphlet, circular, article or literature that is
false or maliciously critical of or derogatory to the financial condition of an insurer is known as -
CORRECT ANSWER ✔✔- Defamation
All of the following are considered characteristics describing the nature of an insurance contract
EXCEPT - CORRECT ANSWER ✔✔- Bilateral
A 15-year mortgage is best protected by what kind of life policy? - CORRECT ANSWER ✔✔-
15-year decreasing term
Companies in NC may transact solicitations for insurance ONLY through - CORRECT
ANSWER ✔✔- Licensed agents
Which of these retirement plans can be started by an employee, even if another plan is in
existence - CORRECT ANSWER ✔✔- Individual Retirement Account (IRA)
A life policy with a death benefit that can fluctuate according to the performance of its
underlying investment portfolio is referred to as - CORRECT ANSWER ✔✔- Variable life
If an annuity is terminated prior to the beginning of the income payment period, the contract
owner receives - CORRECT ANSWER ✔✔- The contract surrender value at that time
A provision in a life insurance policy that pays the policy owner an amount that doesn't surpass
the guaranteed cash value is called the - CORRECT ANSWER ✔✔- Policy Loan Provision
When does a Guaranteed Insurability Rider allow the insured to buy additional coverage? -
CORRECT ANSWER ✔✔- At future dates specified in the contract with no evidence of
insurability required
4|Page
