50-State Insurance Licensing Compliance Guide
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North Carolina Insurance License

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Licensing requirements for North Carolina insurance professionals and companies.

This page provides an overview of insurance licensing in North Carolina for individuals and companies. You will find state requirements, application fees, filing instructions, and more. For assistance with licensing, please contact us to learn about our software and managed license services.

Companies that provide insurance producer services in North Carolina must apply for a license prior to doing business. Depending on the lines of authority offered by the entity and the types of services offered, multiple firm licenses may be required.

Before applying, firms should ensure that the licensed individual to be appointed agent in charge has the necessary licenses. Firms should also gather proof of incorporation, or foreign qualification for out-of-state firms, in anticipation of application requirements.

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Company Licenses

North Carolina Financial Services Company Licenses

North Carolina Auto Rental Limited License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$144

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Auto Rental Limited License License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Collection Agency License

Agency:North Carolina Department of Insurance
Foreign Qualification is Prerequisite:Yes
Financial Requirements:

Applicants must have a net worth of at least $5,000 demonstrated by a financial statement.

Bond Requirements:

$10,000 for domestic agencies and $20,000 for foreign agencies.

Notes:

North Carolina does not issue branch office licenses, but agencies with multiple locations will each need an agency license.

Initial Registration

Filing Method:

Online

Agency Fee:

$1,000 application fee + $48 processing fee.

Registration Renewal

Filing Method:

Online

Agency Fee:

$1,000 application fee + $38 processing fee.

Due:

Annually by June 30.

Amendment

Filing Method:

Online

Agency Fee:

$0

Due:

Within 10 business days after the change.

Notes:

Agency name and address changes can be made online.

Amendment

Filing Method:

Online

Agency Fee:

$0

Due:

Within 30 days after the change is finalized.

Notes:

Ownership changes can be reported online.

North Carolina Corporation License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Corporation License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Insurance Agency License

Agency:North Carolina Department of Insurance

Initial Registration

This section applies to insurance firms that are applying for a license in North Carolina for the first time.

Agency:North Carolina Department of Insurance
Form:

http://www.ncdoi.com/ASD/ASD_Business.aspx#

Agency Fee:

150

Registration Renewal

This section applies to insurance firms that are already licensed in North Carolina and need to renew their license.

Agency:North Carolina Department of Insurance
Form:

http://www.ncdoi.com/ASD/ASD_Business.aspx#

Agency Fee:

150

Due:

Annually

North Carolina Insurance Business Entity License - Corporation

Agency:North Carolina Department of Insurance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$144

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by March 31.

North Carolina Limited Lines Travel Business Entity License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Limited Lines Travel Business License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Partnership License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Partnership License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Portable Electronics Business Entity License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Portable Electronics Business Entity License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Public Adjuster Business Entity License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$234

Registration Renewal

Filing Method:

Online

Agency Fee:

$234

Due:

Annually by April 1.

North Carolina Public Adjuster Business Entity License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$234

Registration Renewal

Filing Method:

Online

Agency Fee:

$234

Due:

Annually by April 1.

North Carolina Self-Service Storage Limit License License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Self-Service Storage Limit License License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by April 1.

North Carolina Surplus Lines Business Entity License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by September 1.

North Carolina Surplus Lines Business Entity License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$134

Registration Renewal

Filing Method:

Online

Agency Fee:

$134

Due:

Annually by September 1.

North Carolina Utilization Review License

Not required



Utilization Review licensure is not required on the State level in North Carolina.

North Carolina does not license utilization review entities, but health care providers may need to certify that their review procedures follow state law.

More information: North Carolina Department of Insurance

Individual Licenses

North Carolina Individual Financial Services Licenses

North Carolina Auto Physical Damage License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$84

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Auto Physical Damage License - Resident

Agency:North Carolina Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$84

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Broker License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$84

Registration Renewal

Filing Method:

Online

Agency Fee:

$84

Due:

Annually by April 1.

North Carolina Broker License - Resident

Agency:North Carolina Department of Insurance
Exam Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$84

Registration Renewal

Filing Method:

Online

Agency Fee:

$84

Due:

Annually by April 1.

North Carolina Comp / Independent Firm Adjuster License - Non-Resident (No Home State)

Agency:North Carolina Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$169

North Carolina Company / Independent Firm Adjuster License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$169

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Company/Independent Firm Adjuster License - Resident

Agency:North Carolina Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$169

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Country Farm Mutual Insurance Agent License - Resident

Agency:North Carolina Department of Insurance
Exam Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$34

North Carolina Credit Agent License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$84

North Carolina Credit Agent License - Resident

Agency:North Carolina Department of Insurance
Exam Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$84

North Carolina Hail Adjuster License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$114

Registration Renewal

Filing Method:

Online

Agency Fee:

$54

Due:

Annually by April 1.

North Carolina Hail Adjuster License - Resident

Agency:North Carolina Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$104

Registration Renewal

Filing Method:

Online

Agency Fee:

$54

Due:

Annually by April 1.

North Carolina Individual Insurance Producer License

Agency:North Carolina Department of Insurance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$82 + $50 for each additional line of authority

Renewal Not Required

Not required



  • Insurance producer licenses do not renew and are valid until surrendered, canceled or revoked as respects to the following lines of authority: Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Medicare Supplement Long-Term Care, Variable Life and Variable Annuity Products.
  • Although their licenses do not need to be renewed, producers must meet continuing education requirements to maintain their license.

North Carolina Insurance Agent License

Agency:North Carolina Department of Insurance

Initial Registration

This section applies to insurance agents that are applying for a license in North Carolina for the first time.

Agency Fee:

From $82 to $582 depending on license type

North Carolina Insurance Producer License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$34

North Carolina Insurance Producer License - Resident

Agency:North Carolina Department of Insurance
Exam Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$84

North Carolina Limited Representative License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$34

North Carolina Limited Representative License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$84

North Carolina Motor Vehicle Damage Appraiser License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$159

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Motor Vehicle Damage Appraiser License - Resident

Agency:North Carolina Department of Insurance
Exam Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$159

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Public Adjuster License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$169

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Public Adjuster License - Resident

Agency:North Carolina Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$184

Registration Renewal

Filing Method:

Online

Agency Fee:

$184

Due:

Annually by April 1.

North Carolina Self-Employed Adjuster License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$169

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Self-Employed Insurance Adjuster License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$159

Registration Renewal

Filing Method:

Online

Agency Fee:

$109

Due:

Annually by April 1.

North Carolina Surplus Lines License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$84

Registration Renewal

Filing Method:

Online

Agency Fee:

$84

Due:

Annually by September 1.

North Carolina Surplus Lines License - Resident

Agency:North Carolina Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$84

Registration Renewal

Filing Method:

Online

Agency Fee:

$84

Due:

Annually by September 1.

North Carolina Temporary Producer License - Resident

Agency:North Carolina Department of Insurance
Exam Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$84

Renewal Not Required

Not required



Temporary licenses are valid for 120 days and cannot be renewed.

North Carolina Title Insurance License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$84

North Carolina Title Insurance License - Resident

Agency:North Carolina Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$84

North Carolina Viatical Settlement Broker License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$534

Registration Renewal

Filing Method:

Online

Agency Fee:

$534

Due:

Annually by April 1.

North Carolina Viatical Settlement Broker License - Non-Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$534

Registration Renewal

Filing Method:

Online

Agency Fee:

$534

Due:

Annually by April 1.

North Carolina Viatical Settlement Broker License - Resident

Agency:North Carolina Department of Insurance
Exam Required?No

Initial Registration

Filing Method:

Online

Agency Fee:

$534

Registration Renewal

Filing Method:

Online

Agency Fee:

$534

Due:

Annually by April 1.

North Carolina Viatical Settlement Broker License - Resident

Agency:North Carolina Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$534

Registration Renewal

Filing Method:

Online

Agency Fee:

$534

Due:

Annually by April 1.

Learn about insurance licensing in other states:

Adjuster - A person or firm that is paid to adjust, investigate, and negotiate claim settlements. There are 3 categories of adjusters: company, independent, and public. Company adjusters work for insurance companies and investigate claims on behalf of the company. Independent adjusters investigate claims on a contractual basis for insurance companies. Public adjusters investigate claims on behalf of claimants, usually to determine the amount of money that can be claimed.

Agent in Charge - A licensed individual responsible for the supervision of all individuals within an insurance agency. The agent in charge must be licensed in the same lines as the agency.

Insurance Agent - Insurance agents act as intermediaries between the insurance company and policyholders. Agents can be either captive or independent. Captive agents represent a single insurance company, while independent agents represent multiple insurers.

Insurance Broker - Individuals who sell insurance policies while representing the interests of the buyer. Brokers are typically independent intermediaries without an insurance company affiliation.

Insurance Producer - May be used to refer to either individual insurance agents and brokers or insurance agencies and brokerages.

Managing General Agent - An agent or broker that is involved in underwriting and has other areas of authority normally handled by insurers. MGAs are typically involved in unusual lines of coverage or in geographically prohibitive areas.

Surplus Lines Insurer - An insurance carrier that takes on risks that a licensed carrier is unwilling to insure. Surplus lines insurers do not have access to state guaranty funds and are less tightly regulated by state governing bodies.

Third Party Administrator - An organization that manages group insurance policies and works with the employer and insurance carrier to process claims, handle loss control, and provide risk management and consulting services.

Title Agent - Title agents sell insurance that protects real estate owners against loss of ownership of a property due to a legal claim.

Viatical Settlement Provider - A company that purchases life insurance policies at a discount from individuals seeking immediately available funds.

Independent Insurance Agents and Brokers of America (Big “I”)
Advocacy group of independent insurance brokers and agents.

National Association of Insurance and Financial Advisors (NAIFA)
Professional association that advocates for favorable regulatory conditions for insurance agents and financial advisors.

National Association of Insurance Companies (NAIC)
A standard setting and regulatory support organization that is governed by state insurance regulators.

National Association of Professional Insurance Agents (PIA)
Professional association that provides education and advocacy for insurance agents throughout the United States.

National Insurance Producer Registry (NIPR)
An affiliate of the NAIC that provides streamlined and uniform producer licensing processes.

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