South Carolina insurance exam guide (2026)
Last updated
The South Carolina Life and Accident and Health producer exams, from Pearson VUE's South Carolina content outlines (effective September 15, 2026) and candidate handbook.
The exam at a glance
| Life Producer | Accident and Health Producer | |
|---|---|---|
| General knowledge questions | 50 scored + 5 pretest | 50 scored + 5 pretest |
| South Carolina law questions | 25 scored + 5 pretest | 25 scored + 5 pretest |
| Total on the exam | 85 (75 scored) | 85 (75 scored) |
| Test time | 120 (unit not printed) | 120 (unit not printed) |
| Passing score | 70 (reported score) | 70 (reported score) |
| Exam fee | $59 | $59 |
The question counts come from the September 15, 2026 content outlines. The test time, passing score and fee come from the candidate handbook. Its exam table shows the test time as "120" and does not print the unit; we read it as minutes. The handbook says "the passing score for all examinations is reported as a score of 70" and that scores "should not be interpreted as the percentage or number of correct answers." Each exam has a general part and a state part. If you pass one part and fail the other, you retake the entire exam.
Pearson also offers a combined Life, Accident and Health exam with 130 scored questions. Our practice exams follow the two separate exams above.
What is on the Life exam
| Section | Scored questions |
|---|---|
| I. Types of Policies | 15 |
| II. Policy Riders, Provisions, Options, and Exclusions | 15 |
| III. Completing the Application, Underwriting, and Delivering the Policy | 12 |
| IV. Retirement and Other Insurance Concepts | 8 |
| South Carolina laws and regulations pertinent to all lines | 18 |
| South Carolina laws and regulations pertinent to life insurance | 7 |
What is on the Accident and Health exam
| Section | Scored questions |
|---|---|
| I. Types of Policies | 16 |
| II. Policy Provisions, Clauses, and Riders | 15 |
| III. Social Insurance | 6 |
| IV. Other Insurance Concepts | 5 |
| V. Field Underwriting Procedures | 8 |
| South Carolina laws and regulations pertinent to all lines | 18 |
| South Carolina laws and regulations pertinent to accident and health insurance | 7 |
South Carolina law is 25 of the 75 scored questions on each exam (one third). Practice it: free South Carolina insurance law questions.
Scheduling and test day
- Where: Pearson VUE's South Carolina page says you can take exams in person at a Pearson VUE test center or online from home. The handbook lists test centers in Columbia, Beaufort, Bennettsville, Florence, Greenville, Granitesville, Myrtle Beach, North Charleston and Sumter.
- How to book: online on Pearson VUE's South Carolina page or by phone at (877) 759-5226. You pay the fee when you book. The handbook says to book online at least 48 hours ahead or by phone at least 24 hours ahead; Pearson's newer web page says appointments may be made up to one calendar day before, subject to availability.
- No state approval needed: the handbook says "You do not require approval from the State of South Carolina to take the examination."
- ID: a valid, unexpired government-issued ID with your photo and signature, in English.
Results and retakes
Your score report says pass or fail. A failing report also shows a numeric score and diagnostic information on the general part. You can retake 24 hours after your last attempt, with a new exam fee, and each exam may be taken only six times in a one-year period. Passing results are valid for one year.
Do I need a pre-licensing course in South Carolina?
South Carolina's producer licensing law (S.C. Code Title 38, Chapter 43) does not list one for Life or Accident and Health. The license requirements in S.C. Code 38-43-100(F) are being at least 18, good moral character, paying the fees, passing the exam and fingerprints for a background check.
Ready to practice? Try the free Life or Accident & Health practice test.