How must an applicant demonstrate knowledge to be licensed in accident and health insurance in North Carolina?

To be licensed in accident and health insurance in North Carolina, an applicant must complete 20 hours of approved instruction. This requirement ensures that the applicant has a foundational understanding of insurance principles, regulations, policy types, and other essential topics regarding accident and health insurance. Completing this educational requirement prepares the applicant for the responsibilities they will undertake as a licensed insurance agent.

While practice tests may be useful for preparation, they do not fulfill the training requirement necessary for licensing. Prior work experience is not a substitute for formal education mandated by the state, and a background check, while a standard procedure for ensuring candidate suitability and integrity, does not provide the specific knowledge needed for the field. Thus, the completion of the specified number of hours in approved instruction is critical for ensuring that the applicant has a competent level of understanding before being entrusted to serve clients in the accident and health insurance sector.