NORTH CAROLINA Resident Licensing for Individuals

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State Announcements

There are no announcements for North Carolina at this time.

Primary Rules (Individual)

Response Question
Yes Accepts initial license for individuals electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for individuals.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Individual)

Note: Applicants should submit a resident initial application on NIPR prior to taking any required licensing examinations. Licensing exams cannot be scheduled until you complete a license application online with NIPR and receive an email authorization from PearsonVUE that you are eligible to take an exam. NIPR will reserve a National insurance producer Number (NPN) for applicants when they submit an application as part of the process if they do not already have a NPN previously assigned by NIPR.

Applications are pended by the state for additional information and exam/fingerprint submission requirements if applicable. NIPR applications are valid for six (6) months from the application submission date and the applicant must complete all requirements for the license application to be completed within this timeframe. There is an Insurance Candidate Guide, Resident Licensing Checklist, and Resident License Flow Chart posted on the Department's website.

Applicant must be 18 years old or older as determined from the applicant's Date of Birth.

Applicant must provide a valid phone number and business email address.

Applicants applying for Variable life & Variable Annuity Products must supply FINRA CRD # on the application.

Applicants applying for Variable Life and Variable Annuity Product line of authority (LOA) must hold an active resident Life line of authority or be applying for Life line of authority to be eligible for Variable Life and Variable Annuity Product line of authority.

Applicants applying for Medicare Supplement/Long Term Care line of authority must have an active insurance producer license with Accident and Health or Sickness line of authority prior to applying for Medicare Support/Long Term care.

An application for Personal Lines will not be allowed if the applicant already holds an active Property or Casualty line of authority. Personal Lines is included in the Property and Casualty line of authority.

Surplus Lines applicants must have an active insurance producer license with the Property line of authority prior to applying for Surplus Lines.

Resident Surplus Lines individuals and Business Entities also need to be active members of the North Carolina Surplus Lines Association (NCSLA) pursuant to NC General Statute 58-21-40(d).  NCSLA membership information can be obtained at www.ncsla.com.

Individual applicants applying for Broker license must submit a $15,000 bond. Completed original NC Bond-BR form must be mailed following the instructions posted on the Department's website: http://www.ncdoi.com/ASD/ASD_SubmissionOfLicensingDocumentation.aspx

Applicants applying for the Broker license class must hold an active insurance producer license with one or more of the following lines of authority:

  • Life
  • Accident & health or sickness
  • Property
  • Casualty
  • Personal lines

Licensee may not hold an active Adjuster license and an insurance producer license with Property, Casualty, and/or Personal Lines line of authority at the same time in North Carolina.

Individual Public Adjuster license applicants must submit either a $20,000 bond or a letter of credit in the amount of $20,000 from a qualified financial institution. Completed original NC Bond-PA form must be mailed.  Otherwise, required documentation can be submitted by following the instructions posted on the Department's website: http://www.ncdoi.com/ASD/ASD_SubmissionOfLicensingDocumentation.aspx

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents are stated as follows and may be submitted to the state via mail, email, or fax.

  • A written statement explaining the circumstances.
  • A certified copy of the official document which demonstrates the resolution of the charges or any final judgment.
  • Documents may also be submitted directly to the North Carolina Licensing Office of PearsonVUE.

FINGERPRINT RULES

  • Effective October 1st, 2010, fingerprints are required for the following initial License Classes
    • Insurance producer
    • Auto Physical Damage
    • Broker
    • Credit Agent
    • Limited Representative
    • Public Adjuster
    • Public Adjuster Business Entity
    • Title Insurance
    • Viatical Settlement Broker
  • These fingerprint requirements do not apply to insurance producers licensed prior to October 1st, 2010 when adding additional lines of authority/licenses unless there are gaps of license authority in excess of twelve (12) months or due to non-compliance with child support or continuing education.
  • A $38.00 fingerprint fee is required and fingerprints must be electronically submitted for a state and federal criminal history background check following the instructions posted on the North Carolina Department of Insurance website.
  • If an applicant submits a NIPR application for a license requiring fingerprints, the applicant should wait until this initial license is issued and displaying on the National insurance producer Database (PDB) before submitting another application through NIPR for a license type requiring fingerprints or the $38.00 fingerprint fee will be charged again.
  • The Department must receive and review the application, the criminal history background record, and supporting documentation from any background or screening questions with a yes response for licensure decision. Please be aware that this may add additional processing time of four (4) to six (6) weeks for license issuance.
  • Effective July 1st, 2010, individual Public Adjuster applicants and "key persons" of Public Adjuster Business Entities are required to submit fingerprints and fingerprints must be electronically submitted for a state and federal criminal history background check.  Please visit http://www.ncdoi.com/ASD/ASD_PublicAdjusters.aspx for the necessary forms and instructions. 

State Offerings (Individual)

Please note that license class names can vary by state.

License Class Line of Authority (LOA) Exam Required
Insurance Producer Accident, Health or Sickness Yes
Insurance Producer Property Yes
Insurance Producer Life Yes
Insurance Producer Personal Lines Yes
Insurance Producer Casualty Yes
Insurance Producer Variable Annuity & Variable Life Products No - Qualified for via FINRA CRD Number plus having/applying for the Life Line of Authority
Insurance Producer Medicare Supplement / Long Term Care Yes
Limited Representative Travel, Accident & Baggage No
Limited Representative Dental Services No
Limited Representative Pre-Need Life No
Limited Representative Foreign-Military Sales No
Limited Representative Motor Club No
Limited Representative Other - Limited Lines No
Auto Physical Damage Auto Physical Damage Yes
Broker Broker No - Qualified for by being an active Insurance Producer
Company/Independent Firm Adjuster Company/Independent Firm Adjuster Yes
Country Farm Mutual Insurance Agent Country Farm Mutual Insurance Agent No
Credit Agent Credit Agent No
Hail Adjuster Hail Adjuster Yes
Motor Vehicle Damage Appraiser Motor Vehicle Damage Appraiser No
Public Adjuster Public Adjuster Yes
Self-Employed Insurance Adjuster Self-Employed Insurance Adjuster Yes
Surplus Lines Surplus Lines Yes plus applicant must already hold both Property and Casualty
Title Insurance Title Yes
Viatical Settlement Broker Viatical Settlement Broker No

* Applications for Other lines of authority will defer to state for approval.

License Fees (Individual)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination Fee * Reinstatement Fee *
Insurance Producer / All LOAs $82.00 + $50.00 per LOA
(Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$34.00 + $50.00 per LOA
Limited Representative / All LOAs $82.00 + $50.00 per LOA
(Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$34.00 + $50.00 per LOA
Auto Physical Damage / Auto Physical Damage $132.00
(Registration fee - $50.00 +
Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$84.00
(Registration Fee - $50.00 +
Reinstatement Fee - $34.00)
Broker / Broker $94.00
(License Fee - $50.00 +
Application Fee - $44.00)
$84.00
(License Fee - $50.00 +
Reinstatement Fee - $34.00)
Company/Independent Firm Adjuster / Company/Independent Firm Adjuster $169.00
(License Fee - $75.00 +
Registration fee - $50.00 +
Application Fee - $44.00)
$159.00
(License Fee - $75.00 +
Registration fee - $50.00 +
Reinstatement Fee - $34.00)
Country Farm Mutual Insurance Agent / Country Farm Mutual Insurance Agent $82.00
(Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$34.00
Credit Agent / Credit Agent $132.00
(Registration fee - $50.00 +
Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$84.00
(Registration Fee - $50.00 +
Reinstatement Fee - $34.00)
Hail Adjuster / Hail Adjuster $114.00
(License Fee - $20.00 +
Registration fee - $50.00 +
Application Fee - $44.00)
$104.00
(License Fee - $20.00 +
Registration fee - $50.00 +
Renewal Processing Fee - $34.00)
Motor Vehicle Damage Appraiser / Motor Vehicle Damage Appraiser $169.00
(License Fee - $75.00 +
Registration fee - $50.00 +
Application Fee - $44.00)
$159.00
(License Fee - $75.00 +
Registration fee - $50.00 +
Reinstatement Fee - $34.00)
Public Adjuster / Public Adjuster $207.00
(License Fee - $75.00 +
Registration fee - $50.00 +
Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$184.00
(License Fee - $75.00 +
Lapsed License Fee - $75.00 +
Reinstatement Fee - $34.00)
Self-Employed Insurance Adjuster / Self-Employed Insurance Adjuster $169.00
(License Fee - $75.00 +
Registration fee - $50.00 +
Application Fee - $44.00)
$159.00
(License Fee - $75.00 +
Registration fee - $50.00 +
Reinstatement Fee - $34.00)
Surplus Lines / Surplus Lines $94.00
(License Fee - $50.00 +
Application Fee - $44.00)
$84.00
(License Fee - $50.00 +
Reinstatement Fee - $34.00)
Title Insurance / Title $132.00
(Registration fee - $50.00 +
Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$84.00
(Registration Fee - $50.00 +
Reinstatement Fee - $34.00)
Viatical Settlement Broker / Viatical Settlement Broker $582.00
(License Fee - $500.00 +
Application Fee - $44.00 +
Fingerprint Fee - $38.00**)
$534.00
(License Fee - $500.00 +
Reinstatement Fee - $34.00)

* Per application.
** This fee includes a fingerprint fee. This fee will only be charged on the initial license application. Subsequent additions to lines of authority (if applicable) will not incur this fee.

Additional fees:

  • Amendment Fee (insurance producer or Limited Representative) - $44.00 + $50.00 per LOA.

Contacts

Last Update: 9/08/2017

NORTH CAROLINA Resident Licensing for Business Entities

APPLY HERE

State Announcements

There are no announcements for North Carolina at this time.

Primary Rules (Business Entity)

Response Question
Yes Accepts initial license for business entities electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for business entities.
No Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Business Entity)

Applicant must be one of the following legal business types:

  • Corporation
  • Partnership
  • Limited Liability Company (LLC)
  • Limited Liability Partnership (LLP)
  • Sole Proprietorship – (Only for Limited Lines Travel Business Entity)

At least one (1) Designated Responsible Licensed Producer (DRLP) must be provided on the application and must be actively licensed as a resident or non-resident in North Carolina. This excludes Auto-Rental Limited License, Self-Service Storage Limited license and Portable Electronics.

Applicant may not apply for or hold both a Corporation license and a Partnership license in North Carolina.

At least one (1) Designated Responsible Licensed Producer (DRLP) provided on the application must be actively license in the state of North Carolina at the time a Public Adjuster Business Entity application is submitted.

Applicant must provide a valid business email.

Effective July 1st, 2010, Each owner with 10% interest or voting interest, partners, officers and directors of Public Adjuster Business Entities are required to submit fingerprints and fingerprints must be electronically submitted for a state and federal criminal history background check.  Please visit http://www.ncdoi.com/ASD/ASD_PublicAdjusters.aspx for the necessary forms and instructions.   A $38.00 fingerprint fee will be charged for each owner with a ten percent (10%) interest or voting interest, partners, officers and directors of the business entity.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.

State Offerings (Business Entity)

License Class Line of Authority (LOA) DRLP Required
Corporation None Yes
Partnership None Yes
Auto Rental Limited License None No
Self-Service Storage Limit License None No
Public Adjuster Business Entity None Yes
Portable Electronics Business Entity None No
Surplus Lines Business Entity None Yes
Limited Lines Travel Business Entity None Yes

* Applications for Other lines of authority will defer to state for approval.

License Fees (Business Entity)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination Fee * Reinstatement Fee *
Auto Rental Limited License / None $144.00
(License Fee - $100.00 + 
Application Fee - $44.00)
$134.00
(License Fee - $100.00 + Reinstatement Fee - $34.00)
Corporation / None $144.00
(License Fee - $100.00 +
Application Fee - $44.00)
$134.00
(License Fee - $100.00 +
Reinstatement Fee - $34.00)
Limited Lines Travel Business Entity / None $144.00
(License Fee - $100.00 +
Application Fee - $44.00)
$134.00
(License Fee - $100.00 +
Reinstatement Fee - $34.00)
Partnership / None $144.00
(License Fee - $100.00 +
Application Fee - $44.00)
$134.00
(License Fee - $100.00 +
Reinstatement Fee - $34.00)
Portable Electronics Business Entity / None $144.00
(License Fee - $100.00 +
Application Fee - $44.00)
$134.00
(License Fee - $100.00 +
Reinstatement Fee - $34.00)
Public Adjuster Business Entity / None $144.00 + $38.00 for each Owner, Partner, Officer and Director**
(License Fee - $100.00 +
Application Fee - $44.00)
$234.00
(License Fee - $100.00 +
Lapsed License Fee - $100.00 +
Renewal Processing Fee - $34.00)
Self-Service Storage Limit License / None $144.00
(License Fee - $100.00 +
Application Fee - $44.00)
$134.00
(License Fee - $100.00 +
Reinstatement Fee - $34.00)
Surplus Lines Business Entity / None $144.00
(License Fee - $100.00 +
Application Fee - $44.00)
$134.00
(License Fee - $100.00 +
Reinstatement Fee - $34.00)

* Per application.
**This fingerprint fee is charged for each owner with a ten percent (10%) interest or voting interest, partners, officers and directors of the business entity. This fee is only charged for the initial application.

Contacts

Last Update: 9/08/2017

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