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The test comprises 55 four-option multiple-choice questions plus up to five additional pretest questions that provide statistical data without affecting scores. Coverage spans types of individual life insurance, annuities principles and features, policy provisions and options, other life topics such as group contracts and taxation, and North Carolina statutes and regulations relevant to life.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/north-carolina-insurance-content-outlines-effective-march-2-2026-life-agent-content-outline/460488/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/north-carolina-insurance-content-outlines-effective-march-2-2026-life-agent-content-outline/460488.png","ImageObject",300,407,{"name":92,"@type":93},"EvelynWrites","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-13","2026-09-30",true,{"@type":102,"interactionType":103,"userInteractionCount":19},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"How many questions are on the North Carolina Life Agent examination and what role do the extra questions play?","Question",{"text":112,"@type":113},"The examination uses 55 four-option multiple-choice questions. Up to five additional questions may be included; these are used to gather statistical data and do not affect examination scores.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What topics are included under individual life insurance in the outline?",{"text":117,"@type":113},"The outline includes term, whole life, endowment, premium variations, combination policies, and non-traditional forms such as universal life and interest sensitive whole life.",{"name":119,"@type":110,"acceptedAnswer":120},"What areas do the policy provisions and other features section cover?",{"text":121,"@type":113},"It covers general provisions (such as insuring agreement, ownership, entire contract, grace period, reinstatement, assignment), nonforfeiture values, loan provisions, settlement options, beneficiary provisions, premium payment rules, and additional optional benefits.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},460488,1791325054,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":19,"category_name":20,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":19,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":46,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":31},687212989558,"https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd","North CaroliNa  \nInsurance Content Outlines  \nContent Outlines: Effective March 2, 2026  \n\\#123415 | 03/2026  \n\n| North Carolina Insurance Supplement | Examination Content Outlines\u003Cbr>Effective Date: March 2, 2026 |\n| --- | --- |\n\nNORTH CAROLINA LIFE AGENT CONTENT OUTLINE  \n(55 questions plus 5 pretest questions)  \nThis examination will test topics listed on the following content outline and is composed of fifty-five (55) four-option, multiple choice questions. Up to five (5) additional questions may be on the test. These questions are used to gather statistical data and will not affect your examination scores.  \nI. TYPES OF INDIVIDUAL LIFE INSURANCE   17  \nA. Term  \n1. General nature  \n2. Basic types of term contracts  \n3. Special features  \na. Renewability  \nb. Convertibility  \nB. Whole life insurance  \nC. Endowment  \nD. Premium variations  \n1. Single  \n2. Level (continuous/straight)  \n3. Adjustable/Flexible  \n4. Modified  \n5. Graded  \n6. Indeterminate (nonguaranteed)  \nE. Combination policies and variations in the basic forms  \n1. Double or triple (multiple) protection  \n2. Term riders  \n3. Family policy/riders  \n4. Face amount plus cash value  \n5. Face amount plus return of premium  \n6. Joint life  \n7. Last survivor / Survivorship Life  \n8. Juvenile / Jumping Juvenile  \n9. Limited benefit  \nF. Non-Traditional  \n1. Universal life (Adjustable life)  \na. General nature  \nb. Features and Characteristics  \n(1) Target premium  \n(2) Unbundled  \n(3) Death benefit options  \n(4) Guaranteed values  \n(5) Corridor of insurance  \n2. Interest Sensitive Whole Life (Current Assumption Life)  \nII. ANNUITIES   5  \nA. The annuity principle  \nB. Annuity features  \n1. Premium paying method  \na. Single premium  \nb. Installment premium: fixed/flexible/periodic  \n2. Determination of benefits  \na. Fixed  \nb. Variable  \nc. Equity Index  \n3. When benefits begin  \na. Immediate  \nb. Deferred  \n4. Number of lives of benefit payment  \na. Single  \nb. Joint  \nc. Joint and survivor  \n5. Guarantee prior to annuity starting date  \n6. Guarantee of minimum total benefit  \na. Straight (pure) life annuity  \nb. Annuity with period certain  \nc. Cash or refund installment annuity  \nIII. POLICY PROVISIONS, OPTIONS, AND OTHER  \nFEATURES .....................................................................11  \nA. General provisions  \n1. Insuring agreement / Clause  \n2. Ownership clause  \n3. Entire contract clause  \n4. Incontestable clause  \n5. Grace period  \n6. Reinstatement clause  \na. Common requirements  \nb. Possible advantages to policyholder  \n7. Misstatement of age clause  \n8. Assignment  \na. Absolute  \nb. Collateral  \n9. Conversions/Change of plan  \n10. Excess interest provision  \n11. Free look provision  \n12. Withdrawal provisions  \n13. Additional / Other insured  \na. Spouse  \nb. Child  \n14. Suicide  \n15. War  \na. Results Type  \nb. Status Type  \n16. Aviation  \nB. Nonforfeiture values  \n1. Nature  \n2. Options for use of the value  \n3. Option applicable if no election made  \nC. Loan provisions  \n1. Nature  \n2. Interest  \na. Fixed  \nb. Variable  \n3. Automatic premium loan  \nD. Right to defer loan or payment of cash value  \nE. Dividends  \n1. Nature of dividends  \n2. Options for the use of dividends  \nF. Settlement options  \n1. Options for the disposition of proceeds  \n2. Election  \na. By owner  \nb. By beneficiary  \nG. Beneficiary provision  \n1. Beneficiary categories  \na. Estate vs. named party  \nb. Named vs. class  \nc. Primary and contingent  \nd. Revocable vs. irrevocable  \ne. Minor designation  \n2. Common disaster and short-term survivorship  \n3. Uniform Simultaneous Death Act  \n4. Changing the beneficiary  \na. Right to change  \nb. Methods: filing vs. endorsement  \nH. Premium payment  \n1. Modes (frequency)  \n2. Effect of nonpayment  \n3. Mortality charge  \n4. Expense charge  \n5. Interest credit  \n6. Load expense charges  \na. Front end  \nb. Rear end  \nI. Additional rights or optional benefits  \n1. Change of contract  \n2. Accidental death benefit and dismemberment b","cbCaic0EaYFTw5JS","https://ap.wps.com/l/cbCaic0EaYFTw5JS","pdf",485169,"English","# North Carolina Life Agent Content Outline\n## Types of Individual Life Insurance\n## Annuities\n## Policy Provisions, Options, and Other Features\n## Other Life Topics\n## North Carolina Statutes and Regulations Pertinent to Life","[{\"question\":\"How many questions are on the North Carolina Life Agent examination and what role do the extra questions play?\",\"answer\":\"The examination uses 55 four-option multiple-choice questions. Up to five additional questions may be included; these are used to gather statistical data and do not affect examination scores.\"},{\"question\":\"What topics are included under individual life insurance in the outline?\",\"answer\":\"The outline includes term, whole life, endowment, premium variations, combination policies, and non-traditional forms such as universal life and interest sensitive whole life.\"},{\"question\":\"What areas do the policy provisions and other features section cover?\",\"answer\":\"It covers general provisions (such as insuring agreement, ownership, entire contract, grace period, reinstatement, assignment), nonforfeiture values, loan provisions, settlement options, beneficiary provisions, premium payment rules, and additional optional benefits.\"}]","North Carolina Insurance Content Outlines - Effective March 2, 2026 - Life Agent Content Outline | PDF",1790758600]