North Carolina Insurance License Requirements (2023)

On this page, you will find all of the state-specific information for Insurance Licensing in the state of North Carolina. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the North Carolina Department of Insurance website at Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

North Carolina Department of Insurance

Agent Services Division
1204 Mail Service Center
Raleigh, NC 27699-1204
Phone: 919-807-6800
Fax: 919-715-3794

How to Get Your North Carolina Insurance License

1. Complete an Insurance Prelicensing Course

North Carolina requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry.

Prelicensing Education Hour Requirements

  • Life: 20 Hours
  • Accident and Health or Sickness: 20 Hours
  • Property: 20 Hours
  • Casualty: 20 Hours
  • Personal Lines: 20 Hours
  • Medicare Supplement / Long-Term Care: 10 Hours (Applicant must be licensed for Accident and Health or Sickness)

Acceptable Methods of Education

  • Classroom
  • Self-study**
  • Online**

**Course must adhere to specific rules for the applicant to receive prelicensing credit, including the final course examination (certification exam) being monitored and administered by a disinterested third party. North Carolina defines a “disinterested third party” as “a person not concerned with respect to possible gain or loss in the result of a pending course final examination and does not include the current employer, prospective employer and a member of the applicant’s immediate family.”

(Video) How to Get an Insurance License in North Carolina

Live Class Requirements

In-Class Exam: In North Carolina, an in-class graded exam is given in the Life & Health class to test your readiness for the state exam. The test must be passed with a 70% or greater in order to receive a certificate of completion.

Online Course Requirements

  • Time Tracking: North Carolina requires that your online study time is tracked. There is a maximum allowed of 8 hours in one day of instruction. In order to successfully complete the course, you must complete the required number of hours while studying in the Course Contents Units of the online course. Your online course tracker will be displayed in the upper right-hand corner of your page so that you can verify the time spent in the course is being tracked.
  • Forced Progression: requires the user to successfully complete each page of the online course before being allowed to proceed to the next.

Prelicensing Education Exemptions

Individuals holding one or more of the following designations or certifications are exempt from prelicensing education requirements if they pass the exam on their first attempt. If they fail, they must successfully meet the mandatory prelicensing education requirements prior to retaking the exam:

  • Life: CIC, CEBS, CFP®
  • Accident and Health or Sickness: RHU, CEBS, REBC, HIA
  • Property, Casualty, Personal Lines: AAI, ARM, CIC
  • Someone who holds a degree in insurance (associate or bachelors) can also be waived from prelicensing.

Note: To receive a waiver, applicants must submit a written request.

Adjuster License Requirements

All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license.

2. Pass Your North Carolina Licensing Exam

After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the North Carolina licensing exams, so you will be prepared to pass the first time.

Certificate of Completion Requirements

  • Candidate must present the original certificate, referred to as the Prelicensing Examination Admission Ticket, to the exam provider at the test site.
  • Certificate is valid for 90 days from the course completion date, or a maximum of 5 exam attempts, whichever occurs first.

Exam Provider: Pearson VUE


  • To obtain a North Carolina Insurance Licensing Examination Candidate Guide, go to the Pearson VUE website at
  • Prior to scheduling the exam with Pearson VUE, candidates must complete the NIPR license application online by visiting Candidates are not able to schedule an exam until this is completed and an email is received by the student from Pearson VUE. This email will contain instructions to schedule.

Note: You will receive a Candidate ID from Pearson VUE. This is not assigned by Kaplan Professional.

Frequently Asked Questions About the North Carolina Licensing Exam

After completing my prelicensing, how should I prepare for exam day?

Exam Application

Candidates must visit to complete the license application and pay ALL associated fees. For a detailed chart of the North Carolina resident licensing fees for Initial & Reinstatement License Applications candidates can go to and click on North Carolina Insurance Resident Licensing Fees.

Candidates cannot make the exam reservation until they receive an email from Pearson VUE with their “reserved” NPN (National Producer Number) and their examination information. Information contained in the email authorization will be collected in the examination reservation process. Candidates that do NOT have this information will not be allowed to register for an examination.

NOTE: The NPN is also used as the North Carolina Insurance Candidate Identification Number. Candidates who are required to take Pre-Licensing Education (PLE) are still required to provide the PLE School Code and education completion date that is provided on the Examination Admission Ticket. This can be found in the back of the Candidate Guide.

The Examination Admission Ticket may be emailed with an electronic signature. The Provider may be required to provide evidence that the document is encrypted such that it cannot be altered or duplicated. Tickets cannot be faxed to students.

The Examination Admission Ticket is valid for ninety (90) days from the date of course completion or five (5) examination attempts over the ninety (90) day period, whichever comes first. Students who do not pass an examination within ninety (90) days of the date of course completion or within 5 examination attempts over the ninety (90) day period, shall complete another pre-licensing education course at an approved school to be eligible to retake the examination.

Candidates should report to the test center thirty (30) minutes before the examination and check in with the test center administrator.

Exam Day Required Materials

(Video) Life Insurance study class TYPES OF INSURANCE

All candidates are required to bring the following:

  • Two forms of acceptable identification. The name on the identification must exactly match the name on the registration. Please refer to Acceptable Forms of Candidate Identification for additional details.
  • Prelicensing Examination Admission Ticket. Life, Accident and Health or Sickness, Property, Casualty, Personal Lines, or Medicare Supplement/Long-Term Care candidates must have their certificate validated by an approved prelicensing school. Those taking the adjuster examination should be sure that the adjuster section of the Examination Admission Ticket is completed.

Name Matching Guidelines

Candidates who present an identification with a name that differs from the name under which they are registered to test will not be admitted to test. Name changes and address changes are not allowed at the test center unless it is strictly a typo. All other changes must be done prior to examination appointments. Contact Pearson VUE immediately to correct the spelling of your name or update your personal information if you notice any errors. It is very important that this information is correct, as it will appear as it was entered on the documentation provided to you after you have completed the exam, as well as on any reports to your licensing agency.

Acceptable Forms of Candidate Identification

Candidates must present two (2) forms of current signature identification. The name on the identification must exactly match the name on the registration. The primary identification must be government issued and photo-bearing with a signature and the secondary identification must contain a valid signature. Identification must be in English.

Primary ID (photograph and signature, not expired)

  • Government-issued Driver’s License
  • U.S. Dept. of State Driver’s License
  • U.S. Learner’s Permit (plastic card only with photo and signature)
  • National/state/country ID
  • Passport
  • Passport Card
  • Military ID
  • Military ID for spouses and dependents
  • Alien Registration Card (Green Card, Permanent Resident Visa)

Secondary ID (signature, not expired)

  • Debit (ATM) card or Credit Card
  • Any form of ID on the Primary ID list

If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID or Secondary ID list that contains a visible signature. Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

What is the exam like?

Test Center Policies

The following policies are observed at each test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center, forfeiting the examination fee.

(Video) How To Pass Your Life Insurance Exam | First Try!

  • No personal items are allowed in the testing room. Personal items include but are not limited to cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens, or pencils.
  • Candidates are permitted to use a simple function calculator.
  • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. All electronic devices must be turned off before storing them in a locker. The test center is not responsible for lost, stolen, or misplaced personal items.
  • Studying is not allowed in the test center. Visitors, children, family, or friends are not allowed in the test center.
  • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room (unless permitted by the exam sponsor), and candidates are strongly urged not to bring such materials to the test center. Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove these items from the testing room.
  • Eating, drinking, chewing gum, smoking, and/or making noise that creates a disturbance for other candidates is prohibited during the exam.
  • Break policies are established by the exam sponsor. Most sponsors allow unscheduled breaks. To request an unscheduled break, the candidate must raise his or her hand to get the administrator’s attention. The exam clock will not stop while the candidate is taking a break.
  • Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor. If a candidate is discovered to have left the floor or building, he or she will not be permitted to proceed with the examination and may forfeit the exam fees.
  • While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary—for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored. Candidates are not allowed access to other items, including but not limited to cellular phones, exam notes, and study guides, unless the exam sponsor specifically permits this.
  • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency. Decisions regarding disciplinary measures are the responsibility of the state licensing agency

Exam Format

The insurance examinations developed by Pearson VUE contain four-option, multiple-choice questions.

The examination will contain “pretest” questions. Pretest questions are questions on which statistical information is being collected for use in constructing future examinations. Responses to pretest questions do not affect a candidate’s score. Pretest questions are mixed in with the scored questions and are not identified.

How is the exam scored?

You must answer at least 70% of the questions correctly, or 105 of the 150, in order to pass. Each candidate will leave the test center with an official score report in hand.

Candidates who fail a major lines or adjuster examination receive diagnostic reports on the failing score report that provide the candidates with a list of the areas on the content outline in which the candidate performed unsatisfactorily. (Candidates do not have to pass all components to pass the examination. The total number of questions answered correctly determines whether or not the candidate passes the licensing examination.)

How long is the exam?

Exam CodeLine of AuthorityExam Time
01Life Agent1 hour, 15 mins
02Accident and Health or Sickness Agent1 hour, 15 mins
04Property Agent1 hour, 15 mins
05Casualty Agent1 hour, 15 mins
12Personal Lines Agent1 hour, 45 mins
16Auto Physical Damage Agent30 mins
21Medicare Supplement/Long-Term Care Agent1 hour, 45 mins
26Company Independent Adjuster2 hours, 15 mins
30Self-Employed Adjuster2 hours, 15 mins
36Public Adjuster2 hours, 15 mins
41Hail Adjuster30 mins
46Tile Agent1 hour
60Surplus Lines Agent1 hour

3. Get Fingerprinted

Print the Fingerprint Submission Packet-Releases forms from the NIPR email link after you submit your license application.

  • Call Local law enforcement to obtain days/hours for fingerprinting service; be sure to find out if the local law enforcement office will do Livescan fingerprints for non-criminal reasons. (Fingerprints cards will not be accepted.)
  • Take form packet including cover page to local law enforcement agency for digital fingerprints.
    • Applicant must have a photo ID.
    • Applicant completes pages 1 and 3 of the packet.
    • Local Law enforcement person taking the prints must sign page 2 of the packet.
    • The local law enforcement agency may require a fee to take the fingerprint impressions.
  • Send the completed SBI forms pages 1 through 3 to the North Carolina Licensing Office of Pearson VUE via:
    • Fax to: 888-959-3010 or;
    • Scan documents and send via email to:; or
    • Mail to: NCDOI/Pearson VUE PO Box 14209 Raleigh, NC 27620

Note: The SBI Release Form MUST be signed and sent to the North Carolina Licensing Office of Pearson VUE.

4. Apply for North Carolina Insurance License

Once you pass the state licensing exam, you must complete an electronic application at If required, fingerprints must be submitted after completing the license application.

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

(Video) Tips on Passing the P&C Insurance State Exam

5. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan.

Learn how to renew North Carolina insurance license by clicking here.


What disqualifies you from getting an insurance license in NC? ›

Applicants who have committed a felony of the first degree, a capital felony, a felony involving money laundering, fraud, or embezzlement, or a felony directly related to the financial services business are most likely not eligible to apply for an insurance license.

How difficult is the NC life insurance exam? ›

Pass Rates and Recommended Study Time

Nevertheless, the passing score for all exams is 70%, and utilizing exam study tools can help you gauge whether or not you are on target to pass on the first try. The average exam-taker should expect to spend about 35 to 40 hours studying to pass the life and health insurance exam.

What is one of the requirements for an applicant to become licensed as a North Carolina accident and health insurance agent? ›

All applicants must complete the following:

An approved twenty (20) hour course for the Accident and Health or Sickness examination. An approved twenty (20) hour course for the Property examination. An approved twenty (20) hour course for the Casualty examination.

How much does insurance agent make in NC? ›

The average salary for a insurance agent in North Carolina is $42,000 per year. Insurance agent salaries in North Carolina can vary between $19,500 to $92,500 and depend on various factors, including skills, experience, employer, bonuses, tips, and more.

How long does it take to get insurance license in NC? ›

Please allow 60 days for submitted license applications. You will receive an email advising you that your license has issued and providing instructions for a one time free print of your license.

Which insurance license is hardest to get? ›

Between Life and Health, students say that the Health insurance exam is the more difficult. Health insurance policies are simply more complicated than life insurance policies. The Property insurance exam is easier than the Casualty insurance exam.

Which insurance license makes the most money? ›

Overview of the Insurance Field

While there are many kinds of insurance (ranging from auto insurance to health insurance), the most lucrative career in the insurance field is for those selling life insurance.

How many times can you take the NC insurance exam? ›

Certificate is valid for 90 days from the course completion date, or a maximum of 5 exam attempts, whichever occurs first.

How do I pass the NC insurance exam? ›

Complete all Study by Topic reading chapters and Study by Topic quizzes. Quizzes must be passed with a score of 70% or better and must be taken in order. Complete and pass the Certificate Exam with a score of 70% or better with a proctor/disinterested third party present.

How many questions are on the NC Health Insurance exam? ›

The life insurance exam and accident and health insurance exam are each 60 multiple-choice questions, five of which are pre-test questions. You have 75 minutes to complete each exam. You need to answer 70 percent or more questions correctly to pass.

Is North Carolina a certificate of need state? ›

The DHHS website explains: “The North Carolina Certificate of Need (CON) law prohibits health care providers from acquiring, replacing, or adding to their facilities and equipment, except in specified circumstances, without the prior approval of the Department of Health and Human Services.

How much is NC insurance license? ›

North Carolina Insurance License Application

The fee for an online application is $50 per line, plus a $44 application fee, the $38 fingerprint fee, and a $6 NIPR fee for a total cost of $138.

How much is the NC state insurance exam? ›

Insurance Pre-license Education Course Fee: $149+ via WebCE. Application Fee: $100 + $5.60 transaction fee via the NIPR. Fingerprint-Based Background Check Fee: $38 via the NIPR (paid along with the application fee) Exam Fee: $45 via Pearson VUE.

Is North Carolina a reciprocity state? ›

The N.C. Attorney General's Office oversees Concealed Handgun Reciprocity in North Carolina . Effective December 1, 2011, North Carolina automatically recognizes concealed carry permits issued in any other state.

What company pays insurance agents the most? ›

Top companies for Insurance Agents in United States
  • World Financial Group. 4.1 $102,681per year. 1,041 reviews15 salaries reported.
  • USHA. 3.3 $95,535per year. 217 reviews9 salaries reported.
  • UNIFIED HEALTH. 4.4 $87,589per year. ...
  • Assurance. 3.3 $82,640per year. ...
  • New York Life. 3.7 $81,365per year. ...
  • Show more companies.
4 days ago

Why I Quit Being a life insurance agent? ›

I ran out of money to invest in leads. 26.2% voted a lack of money for leads as their primary reason why they quit. Less important reasons agents quit selling insurance include running out of prospects, personal issues like health problems, and discovering the business wasn't a right fit.

How long does a North Carolina insurance license last? ›

In North Carolina, insurance licenses are perpetual, except for Surplus Lines and Brokers. Insurance producer licenses do not renew and are valid until surrendered or canceled. To keep a license active, licensees must comply and fulfill the CE requirements every two years.

Is insurance hard to learn? ›

Compared to most finance careers, becoming a life insurance agent is easy. No educational requirements exist beyond a high school diploma at most. Some states require you to take a licensing course and pass an exam, but truthfully, these are as easy as a fifth-grade spelling test.

How much do insurance agents make? ›

The national average salary for an insurance agent in the United States is $79,965 per year with a salary range between $17,000 per year and $188,000 per year, although salary rates by profession and region throughout this article will always be fluctuating.

Do most insurance agents fail? ›

The truth is that there is a higher rate of turnover in insurance sales than in almost any other job category. A mass exodus with nearly 90% of new agents quit within their first three years.

Is the NC Property and casualty exam hard? ›

The Property and Casualty insurance licensing exam is challenging. It requires hard work and effort to prepare, but by following these study tips, you should be well on your way to passing the exam on the first try. It's also helpful to learn what to expect on exam day.

Which certification is best for insurance? ›

The Top 7 Insurance Certification Programs
  • AINS.
  • CIC.
  • CPCU.
  • CRM.
  • CWCA.
  • AAI.
  • CISR.
10 Mar 2021

Why are insurance agents so rich? ›

How Insurance Brokers Make Money. The primary way an insurance broker makes money is from commissions and fees earned on sold policies. These commissions are typically a percentage of the policy's total annual premium. An insurance premium is the amount of money an individual or business pays for an insurance policy.

Can I become a millionaire selling insurance? ›

Is It Possible To Become A Millionaire Selling Insurance? A big yes. But like any other job, it takes time to be good at what you do and attain such income levels. Top agents earn anywhere between $100,000 to one million dollars.

Is selling insurance hard? ›

It is not easy to make a living in insurance, but it is not as hard as you might think. As with any type of sales, becoming an insurance agent can be one of the best paying hard jobs or a terrible paying easy job. Dedicated agents will become successful at insurance sales, just like at any other job.

Can you get an insurance license with a felony in North Carolina? ›

Persons so prohibited are those persons who have 1) been convicted of any criminal felony involving dishonesty or breach of trust, or 2) any persons who have been convicted of a) making false material statements to any insurance regulatory official; or b) embezzling, converting, purloining, or misappropriating any ...

How can I crack my insurance exam? ›

Tips to Crack Insurance Exams
  1. Understand the syllabus and exam pattern well. ...
  2. Practice online mock tests: Most exams are conducted online these days. ...
  3. Prepare well for the GK & English sections: Most students tend to not focus too much on these two sections.
6 Feb 2019

How hard is the NC adjuster exam? ›

Adjuster Pre-Exam Education

Preparation for this exam is not something to take lightly, as the average pass rate of insurance exams nationwide is around 55% for first-time test-takers, and even less for any following attempts. We want you to pass your test the first time you take it.

How many questions are on the NC adjuster exam? ›

The PearsonVUE state licensing exam contains 100 questions and 20 pretest questions. The permitted time limit 135 minutes (two hours, 15 minutes). This means you will have a little more than 1 minute to answer each question. Additionally, this is a one-size-fits-all adjuster state exam.

What is considered a passing score on the NC State brokers exam? ›

What is the passing score on the licensing exam? 57 of the 80 National Section scored questions and 29 of the 40 State Section scored questions must be answered correctly to pass. See RELINC for details regarding exam format & content. How long is the licensing exam?

How long is the NC health insurance exam? ›

How long is the state licensing exam? The state examination for both the Life Insurance license and Accident and Health or Sickness Insurance license is 1 hour and 15 minutes long.

What is a North Carolina health assessment? ›

What Are Health Assessments? Health Assessments (PDF, 132 KB) communicate the health concerns and information from parents and physicians for all children entering public schools for the first time in North Carolina.

How long do you have to work for the state of NC to get health insurance? ›

State Health Plan Changes Guidance for TSERS

When you retire under TSERS, you are eligible for health coverage under the State Health Plan (SHP) if you have at least five years of TSERS membership service earned as a teacher or state employee.

Is NC an at will state? ›

North Carolina is an employment-at-will state. This means that in the absence of a contractual agreement between an employer and an employee establishing a definite term of employment, the relationship is presumed to be terminable at the will of either party without regard to the quality of performance of either party.

Is NC An identify state? ›

North Carolina does not have a stop and identify statute.

A person driving a motor vehicle must provide his or her license to an officer upon request. G.S. 20-29. But North Carolina has not adopted a statute like Utah's or Nevada's that applies to all investigative detentions.

Will requirements in NC? ›

A will in North Carolina generally must be self-proving. This means that the will must have been signed by two disinterested witnesses in front of a notary and the person making the will must be over 18 and of sound mind. However, a will does not have to be self-proving to be valid.

How much do insurance adjusters make? ›

The median base salary for a claims adjuster in the US is around $65,000 annually.
Public Adjusters' Annual Salary.
Experience LevelAnnual Salary Range
Entry Level$11,000 - $40,000
Mid-Career$45,000 - $70,000
Senior Management$75,000 - $90,000
29 Aug 2022

How much does NC State cost for 4 years? ›

Living On or Off Campus
2022-23NC ResidentsOut-of-State Residents
Tuition & Fees$9,128$30,869
Books & Supplies$854$854
4 more rows

How do I get my property and casualty license in NC? ›

Prelicensing Education Requirements
  1. An approved twenty (20) hour course for the Life examination.
  2. An approved twenty (20) hour course for the Accident and Health or Sickness examination.
  3. An approved twenty (20) hour course for the Property examination.
  4. An approved twenty (20) hour course for the Casualty examination.

Is North Carolina insurance expensive? ›

North Carolina drivers pay an average of 21% less each year for both full coverage and minimum coverage car insurance when compared to the national average.

What states accept North Carolina? ›

States that Have Reciprocity with North Carolina
  • Arkansas.
  • Connecticut.
  • Georgia.
  • Iowa.
  • Louisiana.
  • Mississippi.
  • Nebraska.
  • South Carolina.

Is there reciprocity between NC and SC? ›

What if You're Moving to South Carolina? If you're moving to South Carolina, the state offers full reciprocity for those who hold a current North Carolina, Georgia, or West Virginia license.

Can I get an insurance license with a misdemeanor in North Carolina? ›

Yes. The application for a license will include questions regarding the disclosure of criminal history. Applicants must disclose any previous convictions, including any convictions in an applicant's adult life that are believed to have been expunged, deferred, or are currently pending.

What are some reasons people get denied or are ineligible for insurance? ›

Insurance companies frequently deny coverage if the applicant has a recent history of accidents, a series of minor traffic tickets or a serious infraction such as a DUI. These are strong indicators of a risky driver who may cause a car accident and submit a claim.

Can you be refused insurance? ›

Insurers decide whether to offer you insurance and how much to charge you based on the risk of something happening to you. Sometimes this may mean they are allowed to discriminate against you, for example, they may be allowed to refuse to insure you or to charge you more than other people.

How long does a felony stay on your record in NC? ›

Misdemeanor convictions can now be expunged after 5 years instead of 15. Felony convictions can now be expunged after 10 years instead of 15. There is no more limit on how many dismissals can be expunged. Prosecutors and law enforcement personnel will have access to all records.

How many questions are on the NC life insurance exam? ›

The life insurance exam and accident and health insurance exam are each 60 multiple-choice questions, five of which are pre-test questions. You have 75 minutes to complete each exam. You need to answer 70 percent or more questions correctly to pass.

What firearm can a convicted felon own in NC? ›

In 2004 the NC Legislature banned all gun ownership by convicted felons. The North Carolina Felony Firearms Act makes it illegal for a convicted felon to purchase, own, or possess any firearm.

Can you get insurance without a license in NC? ›

One option available to you is to buy a non owners car insurance policy. This type of policy can be issued to a driver without a vehicle, and due to the licensing requirements in North Carolina, many companies issue these policies to unlicensed drivers who are looking to obtain a license.

Does a misdemeanor show up on a background check in NC? ›

Do felonies and/or misdemeanors show up in background screenings? Yes. Unless an attorney has helped you get your criminal records sealed or expunged, felonies and misdemeanors that occurred within the past seven years will show up on a background check conducted in North Carolina.

What is the most common source of insurance denials? ›

Process Errors
  • The claim has missing or incorrect information. Whether by accident or intentionally, medical billing and coding errors are common reasons that claims are rejected or denied. ...
  • The claim was not filed in a timely manner. ...
  • Failure to respond to communication. ...
  • Policy cancelled for lack of premium payment.

What are the most common claims rejection? ›

Most common rejections

Duplicate claim. Eligibility. Payer ID missing or invalid. Billing provider NPI missing or invalid.

Why does life insurance test blood and urine? ›

Blood and urine tests during a life insurance medical test screen for dozens of health indicators and conditions, such as: HIV and AIDS. Sexually transmitted diseases. Cholesterol, including LDL and HDL, and triglycerides (poor levels correlated with heart disease)

What insurance companies do not want you to know? ›

11 things car insurance companies don't want you to know
  • Your car insurance may not be tied to the driver.
  • The type of car you drive matters.
  • Prior claims and questions raise rates.
  • You can check your report for errors.
  • Your credit score impacts your car insurance costs.
  • Where you live impacts your premium account.
2 Nov 2019

Can I insure a car without a Licence? ›

Some car insurance companies will reject your application without a valid driver's licence. Renewing a licence takes around three weeks to complete, so it may be wise to wait until you have all your documents in order before making an application.

What counts as insurance declined? ›

If you've been refused insurance, it means you've either had a claim rejected, or your insurer has refused to offer you a renewal quote. Your insurer might refuse to renew your policy, either because its criteria has changed or they're no longer able to offer you cover.


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