North Carolina Insurance Licensing
North Carolina life insurance license guide.
Current 2026 requirements.
The North Carolina Department of Insurance (NCDOI) issues the Insurance Producer license with the Life line of authority.
- License
- Insurance Producer – Life
- Regulator
- NC Department of Insurance
- Required course
- None since Oct 1, 2025
- Exam provider
- Pearson VUE
- Fingerprints
- Required (residents)
- Appointment
- Required to use license
- Last verified
- September 2026
North Carolina update
Prelicensing is no longer required.
Effective October 1, 2025, NCDOI no longer requires a prelicensing course before the Life exam. You still must pass the state exam. Some older NCDOI charts and outside guides still list a 20-hour course.
Resident licensing path
Getting a North Carolina Life license.
- 01
Get the candidate guide
Download Pearson VUE's free North Carolina candidate guide. Optional prelicensing courses remain listed as a study resource. - 02
Pass the Life exam
Pearson VUE administers North Carolina's licensing exams. - 03
Apply and submit documents
Send any required documents to the NC Licensing Office of Pearson VUE with your NIPR transaction number. - 04
Get fingerprinted
Resident producer applicants must submit fingerprints. - 05
NCDOI review
Submission is not approval. - 06
Get appointed
An appointment is required to use the license.
State fees
North Carolina Life license fees.
We haven't found current North Carolina fee amounts we could confirm, so none are shown. Check NCDOI and Pearson VUE before applying.
After licensing
The license is where the operating process begins.
- 01License issued
- 02Carrier contracting / appointments
- 03Final Expense Elite onboarding
- 04Leads matched to licensed states
Official resources
The regulator is the authority.
Other state guides
FAQ
North Carolina licensing questions
What license do I need to sell final expense insurance in North Carolina?
Final expense is life insurance, so producers generally need an Insurance Producer license with the Life line of authority.
Is a prelicensing course still required?
No. Since October 1, 2025, NCDOI no longer requires prelicensing before the Life exam. You still must pass the exam.
Who administers the exam?
Pearson VUE.
Do I need fingerprints?
Yes, resident producer applicants must submit fingerprints.
Can I sell once I'm licensed?
An appointment is required to use the license.
Am I licensed once I apply?
No. Submission is not approval. NCDOI decides whether to issue the license.
Start with the license
Understand the North Carolina process. Then build the system.
Final Expense Elite helps developing agents connect licensing resources with sales training, technology onboarding, lead infrastructure, and a structured development roadmap. North Carolina licensing approval and requirements are determined by the North Carolina Department of Insurance.