North Carolina requires separate Property Agent and Casualty Agent authorities and separate exams 04 and 05. Apply through NIPR first and complete both exams and fingerprints within the governed application window. No mandatory PLE applies to applications on or after October 1, 2025.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary initial North Carolina resident seeking both Property Agent and Casualty Agent authorities.
Prelicensing education
- Prelicensing education required
- No
- Education requirement explanation
- No mandatory PLE after 2025-10-01; the still-live 20-hour page is stale and later repeal/current guide evidence controls.
- Exemptions available
- Yes
- Exemption explanation
- Qualifying same-authority transfer within 90 days may avoid the corresponding exam.
Background
- Fingerprints required
- Yes
- Background check required
- Yes
- Fingerprint / background instructions
- Submit fingerprints within 30 days. The $82 initial producer fee includes the $38 fingerprint component; do not add it again.
Application
- Application required
- Yes
- Application fee
- $182 state total for both authorities ($82 initial producer application plus $50 Property plus $50 Casualty), including initial fingerprints; NIPR transaction fee additional
- Application channel / system
- NIPR
- Application instructions
- Apply first for both lines, receive Pearson authorization, pass separate exams 04 and 05, fingerprint within 30 days, and finish within six months. Known mandatory subtotal is $272 plus NIPR transaction fee.
- Official application reference
- https://nipr.com/licensing-center/state-requirements/north-carolina-resident-licensing-individual
Renewal & maintenance
- Renewal cycle
- Perpetual license; assigned biennial CE
- CE required
- Yes
- CE hours
- 24
- CE cycle
- Assigned two-year cycle
- Ethics hours
- 3
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- Qualifying same-authority transfer within 90 days may avoid the corresponding exam.
Military / veteran / spouse
- Veteran-specific provisions
- Documented military CE waiver may apply; no additional applicant relief was found.
Source governance
- Primary authoritative source
- https://www.ncdoi.gov/documents/agent-services/ple-packet-october-2025/open
- Secondary official sources
- Candidate guide 123400; outline 123415; NIPR; NCDOI fingerprint/CE pages
- Statute / regulation reference
- N.C.G.S. Chapter 58; 11 NCAC 06A
- Source reference URL
- https://www.ncdoi.gov/documents/agent-services/ple-packet-october-2025/open
- Last verified date
- 2026-08-21
- Verification status
- Verified
- Review / recheck date
- 2026-11-19
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