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North Carolina Life & Health Insurance Exam Cheat Sheet (2026)
A free, printable North Carolina Life & Health Insurance exam cheat sheet: the 47 highest-yield points to know, grouped into 13 sections that follow the exam's content areas, each section with its published weight.
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- The real North Carolina Life & Health Insurance exam: 70% to pass.
- Prints from your browser (Ctrl-P, or Cmd-P on a Mac) — the navigation, buttons and links drop out of the printed copy.
- 412 free North Carolina Life & Health Insurance practice questions on the same material, every one explained.
- Last updated: August 2026.
In the North Carolina Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.
General Insurance Concepts
10% of the exam- Risk, Peril, and Hazard
- The Law of Large Numbers and Adverse Selection
- Insurable Interest and Legal Contract Elements
- Special Features of Insurance Contracts
- Producers, Agency, and Underwriting Basics
Life Insurance Basics
12% of the exam- The Purpose of Life Insurance and Needs Analysis
- Term Insurance: Temporary Protection
- Whole Life: Permanent Protection with Guarantees
- Universal Life: Flexible Permanent Protection
Life Insurance Policies
13% of the exam- Types of Term Insurance
- Variations of Whole Life
- Universal Life Death Benefit Options
- Variable and Variable Universal Life
Life Policy Provisions, Riders, Options & Exclusions
12% of the exam- Standard Policy Provisions
- Nonforfeiture and Dividend Options
- Settlement Options and Beneficiaries
- Common Riders
- Exclusions and Limitations
Annuities
10% of the exam- How Annuities Work: Two Phases
- Classifying Annuities: Funding and Timing
- Fixed, Variable, and Indexed Annuities
- Payout Options and Uses
Life & Annuity Taxation and Uses
8% of the exam- Taxation of Life Insurance
- Taxation of Annuities
- Qualified Plans and Business Uses
Health Insurance Basics
10% of the exam- What Health Insurance Covers and Morbidity
- Cost-Sharing: Deductibles, Coinsurance, Copays, and Stop-Loss
- Disability Income Fundamentals
Health Policies
13% of the exam- Medical Expense Plans and Managed Care
- Disability Income Policies
- Long-Term Care Insurance
- Supplemental and Limited Coverage
Health Policy Provisions, Clauses & Riders
7% of the exam- Mandatory Uniform Provisions
- Optional Provisions and Key Clauses
- Riders and Renewability
Group Insurance, Social Insurance & Senior Products
5% of the exam- Group Insurance Principles
- Social Insurance: Social Security, Medicare, and Medicaid
- Senior Products: Medicare Supplements and LTC
North Carolina Producer Licensing
40% of the exam- The Regulator: North Carolina Department of Insurance
- License Lines and Qualification
- Appointments, Renewal, and Continuing Education
North Carolina Insurance Law & Code
35% of the exam- The North Carolina Insurance Code
- Free-Look and Required Policyowner Protections
- Replacement, the Guaranty Association, and Discipline
North Carolina Marketing Rules, Ethics & Unfair Practices
25% of the exam- Unfair Trade Practices
- Rebating and Inducements
- Fiduciary Duty and Suitability
Now prove you know them
Reading an outline is not the same as recalling it under exam pressure. Drill the free North Carolina Life & Health Insurance questions to find the areas you keep missing, then sit a full timed mock.
Study aid, not a substitute for the official material — always confirm the current rule with North Carolina Department of Insurance.