North Carolina
Mike Causey
North Carolina Department of Insurance Agent Services
Appointments & Terminations
Yes
Yes
Within 15 days of first business submission
JIT appointments permitted. Appointments must be submitted within 15 days of the date the first piece of business is submitted to the carrier
Yes
$20 per LOA
$20 per LOA
No
No
Yes
Must be within 15 days of the appointment processing date. No future dating is allowed.
Yes
Via NIPR Portal
Feb. 3, 2024 until March 31, 2024
Title Insurance Agent: $11 Auto Physical Damage: $11 Producer: $11 County Farm Mutual Insurance Agent: $11 Limited Representative: $20 Credit Agent: $20
Yes
Voluntary termination
Yes
Must be within 15 days of the processing date. No future dating is allowed
$10 per line
Licensing
Resident New License Insurance Producer: $82 (An additional $50 is charged per line of authority.) Resident New License Surplus Lines Producer: $94 (An additional $50 is charged per line of authority.) Non Resident New License Insurance Producer: $44 Non Resident New License Surplus Lines Producer: $94
Resident Renewal Insurance Producer, Resident Renewal Surplus Lines Producer: $84.00 Non Resident Renewal Insurance Producer, Non Resident Renewal Surplus Lines Producer: $84
Last day of birth month every 2 years based on year of birth
N/A
None, perpetual
No
No
Residence, Business, and Mailing
Risk Retention Group, Viatical Settlement Broker, Broker, Surplus Lines, Life, Hail Adjuster, Insurance Producer, Auto-Physical Damage, Bail Bond Runner, Company/Independent Firm Adjuster, County Farm Mutual Insurance Agent, Credit Agent, Medicare Supplement Long-Term Care, Professional Bail Bondsman, Purchasing Group Agent, Purchasing Or Risk Retention Group, Self-Employed Insurance Adjuster, Surety Bail Bondsman, Fire & Casualty, Limited Representatives, Motor-Vehicle Appraiser, Public Adjuster, Temporary Producer, Title Insurance
A nonresident applicant for a broker license must A) be licensed as an agent; B)be appointed by at least one company for each kind of insurance to be brokered; C) pay license fee; and D) submit a clearance letter from his/her home state. Such letter must show what kinds of insurance the applicant is licensed for and whether his/her license is in good standing. A clearance letter will be valid for 90 days. A broker must file a bond of at least $15,000, or deposit the same amount in cash or certificates of deposit with the Commissioner. No new bond will be required of a nonresident applicant if the Commissioner decides that an existing bond covers the applicant's insurance business in North Carolina. A broker's license authorizes the licensee to broker only those kinds of insurance for which he/she: A) is licensed as an agent in his/her home state; and B) holds a company appointment. The nonresident licensee must broker insurance through a licensed and appointed agent of the insurer. He/she may not solicit directly or indirectly. Resident: An applicant for a broker license must: A) be licensed as an agent; B) be appointed by at least one company for each kind of insurance to be brokered; C)file a bond of at least $15,000, or deposit the same amount in cash or certificates of deposit with the Commissioner; and D) pay the license fee. A broker's license authorizes the licensee to broker only those kinds of insurance for which the broker: A) is licensed as an agent; and B) holds a company appointment. The licensee must broker insurance through a licensed and appointed agent of the insurer. A) A broker does not have binding authority. B) The broker license only allows the broker to share commissions with the writing agent.
Yes
Supervised instruction or verifiable self-study
After completing North Carolina Insurance License Prep Course, your Examination Admission Ticket will be provided on the Course Completion Certificate page of the course. This certificate is required in order to take the state exam for licensing.
Candidates have 90 days from the pre-licensing course completion date to take the exam, with a maximum of 5 retake sessions, or they must retake the pre-licensing education course to qualify to retake the exam.
Applicants holding any of the following designations are exempt from the pre-license education requirement: a. AAI; b. ARM; c. CIC; d. CPCU; e. CLU; f. ChFC; g. LUTCF; h. FLMI; i. CEBS; j. CFP; k. RHU; l. REBC; m. HIA; n. associate or bachelor's degree in insurance; or o. proof of coursework in line of authority for Medicare supplement/long-term care. A new North Carolina resident may request a waiver of pre-license education if his/her license in another state has been cancelled within 60 days of the Division's receipt of the applicant's: a. letter of clearance; and b. request for waiver of pre-license education.
License application required before exam enrollment
Yes – Full criminal history
Yes, for Resident Licensing
Live Scan
NIPR Gateway
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 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. The Department must receive and review the criminal history background record for licensure decision. Please be aware that this may add additional processing time of up to 60 days.
None
No
Yes
A licensee must notify the Commissioner by written or approved online notification of any change in business or residential address or e-mail address within 10 business days. Contact Change Request supported via NIPR Gateway.
Failure to comply with this provision will result in a $50 administrative fee.
Agency
No
Yes
No
License is perpetual.
Yes, if selling insurance
No
If all branches use the same FEIN, then one license covers all branches. If each branch has its own FEIN, then a license is required for each branch.
Adjuster
Yes
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV, WY
CA, HI, NY, PR
Self-Employed Insurance Adjuster
Licensing Fee: $169 Reinstatement Fee: $159 Renewal Fee: $109
Yes
Biennially, on April 1st.
Biennially. Licenses expire on March 31st and renewal is due on April 1st.
An experienced adjuster who is licensed in the other state may act as an adjuster In North Carolina for emergency insurance adjustment work, for a period to be determined by the Commissioner. An ID must be worn at all times and a letter must be sent to CATAdjusterRequest@ncdoi.gov from the insurer noting of the person assisting.
Continuing Education
24
2 years
Yes
Last day of birth month
Year of birth
Prior to license expiration. Licenses are perpetual, but CE is required to keep licenses active.
Exemptions may be granted to active duty military by filing a request with the state.
Licensees have 4 months from the CE compliance date to meet the required hours. A $75 reinstatement must be submitted to have the license reinstated.
3
If you hold a property insurance line you must complete three (3) hours in the subject of flood insurance during your first compliance period and then again every four (4) years.
8-hour initial certification, with 4 hours of LTC-specific training every two years
https://agentsync.io/blog/individual-producers/insurance-continuing-education-north-carolina
Regulatory Updates
The North Carolina Department of Insurance Issues 2024 Company Appointment Renewals
On January 5, 2024, North Carolina Issued 2024 company appointment renewals. The invoice renewal period is from February 3, 2024 to March 31, 2024 for Producer, Auto Physical Damage, Limited Representative, Title Insurance, County Farm Mutual Insurance Agent and Credit Agent Individual.
North Carolina’s Department of Insurance (NCDOI) Announces new Physical Address
On December 18, 2023, North Carolina's Department of Insurance announced a new physical address (see attached).
North Carolina Surplus Lines Premium Tax Due Date Change
Effective October 11, 2023, North Carolina Surplus Lines taxes and stamping fees are due within 30 days of the end of each quarter.
North Carolina to Update Bail Bond Initial and Renewal License Processing Fees
Effective July 28, 2023, North Caroline will update bail bond initial and renewal processing fees. The Resident License (RL) applicants in the license class of Professional Bail Bondsman, Surety Bail Bondsman, and Bail Bond Runner will see a reduction in the initial application processing fee from $48 to $44. The renewal processing fee for Resident License Renewals (RLR) applicants in the same license classes will be reduced from $76 to $34.
North Carolina Issues Bulletin Regarding its Catastrophic Adjusters Procedures
North Carolina issues bulletin regarding its Catastrophic Adjusters procedures. See attachment for full details.
North Carolina Appointment Renewal Process
North Carolina publishes details on how the '23-'24 appointment renewals will be processed. See attachment for details.
North Carolina 2023 Appointment Renewals
North Carolina has released several key dates surrounding its 2023 company appointment renewals.
North Carolina Semi Annual Reporting Requirements
NCDOI is requiring data regarding nonfleet private vehicle damage and residential property from companies who issued Consent to Rate policies from 1/1/2022 - 6/30/2022. Data should be submitted by 10/4/2022.
North Caroline Appointment Fee Increase
Effective 8/4/2022 North Caroline updated the appointment fee from $10 to $11 per appointment.
North Carolina Stamping Fee
Effective January 1, 2023, North Carolina will decrease its stamping fee from 0.4% to 0.3%.
North Carolina to no Longer Require Broker Licenses
Effective July 7, 2022, North Carolina removed the broker requirement for residents and non residents. In this, the requirement to hold a bond is also cancelled. An agent has always been allowed to act as an agent in which they are duly appointed. Now, producer may procure insurance through a duly authorized agent without a broker license.
North Carolina Changes to Adjuster License Types
On August 12, 2022, North Carolina will convert their Company/Independent Adjuster and Self-Employed Adjuster license type to be the Adjuster license class. The LOA will now be "Not Applicable". This will impact the following transaction types: RL, RLR, NRAL, NRAR, NHS, and NHSR.
NC Publishes Surplus Lines Renewal FAQ Document
The document contains renewal information, fees, membership details, and other important licensing information.
North Carolina Adds New Non Uniform Question
Effective June 16, 2022, North Carolina will be adding a new non uniform question for Resident Licensing and Resident Licensing Renewals that will apply for Professional Bondsman, Surety Bondsman, and Bail Bond Runner.
North Carolina Issues Update on Non-Renewed License
Effective June 8, 2022, both Resident and Nonresident Individual and Business Entity licenses that had an expiration date of 3/31/22 and have not paid the annual renewal fee will be updated to have the status "Nonpayment". To get a new license, one must reapply starting June 9, 2022.
North Carolina Adds Bail Bond Licensing
On June 10, 2022, North Carolina will offer Bail Bondsman License classes for individuals that are residents.
North Carolina Appointment Renewals that are Past Due
North Carolina sends reminder on company appointment renewals. We are now in the late renewal period. This period ends on 5/15/22. Invoices not paid by this date will lead to the appointment being cancelled.
North Carolina Updates Expiration Dates
On April 14, 2022, North Carolina will update expirations dates on Non-Resident Insurance Producer licenses that currently have an expiration date on March 31, 2023. The expiration date will now read March 31, 2024.
North Carolina Releases Bulletin on Catastrophic Event Procedures
In the event of a catastrophe the following procedure will need to be followed for motor vehicle appraisers.
North Carolina Renewal Update
North Carolina is not requiring a renewal fee for Non-Resident Licenses IF the producer's Resident License if active. Currently, North Carolina is reviewing and cancelling all NR Licenses that do not have an active home state license. Those that do have an active home state license will see the expiration date on their Non-Resident Insurance Producer Licenses set to March 31, 2024.
North Carolina Sends a Notice Regarding its Agent Appointment Renewals
For companies with active North Carolina appointments, the bill is now available to be paid via NIPR. This payment is due by March 31st. Companies that do not have active North Carolina appointments will not have an invoice for appointment renewal. North Carolina has posted instructions and FAQs on the website linked.
North Carolina to add Bail Bond License Classes to NIPR for Renewal
North Carolina is to begin offering Bail Bondsman License Classes for Individuals for resident licensing renewals. The licensing fee is $200/license and the renewal processing fee is $76/license.
FAQs
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How Do I Get an Insurance License in North Carolina?
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How Do I Get a State Adjuster License in North Carolina?
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How do I renew my insurance license in North Carolina?
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How do I renew my nonresident insurance license in North Carolina?
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How Do I renew My Non-Resident Adjuster License in North Carolina?
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How Do I Renew My Adjuster License In North Carolina?