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How to Pass the South Carolina Insurance Licensing Exam

A woman preparing for her South Carolina insurance license exam.

**IMPORTANT COVID-19 INFORMATION**

As of July 20, 2020, PSI Exams is administering exams in the following South Carolina cities:

  • Beaufort
  • Charleston
  • Columbia
  • Florence
  • Graniteville
  • Greenville
  • Myrtle Beach
  • Spartanburg

Check PSI’s openings page for the most current information. Read about the test center safety precautions PSI is taking.

 

If you’re considering getting an insurance license in South Carolina, you probably have a lot of questions about where to go, who to talk to, and what to do.

You’re in luck: America’s Professor has compiled helpful information and resources into a single comprehensive site, where you’ll find all the answers you need.

Below you’ll find sample questions similar to the ones you’d see on an insurance licensing exam, information about test format and scoring, prep course and insurance test pricing, testing locations, tips for how to fully prepare yourself for the exam, and more.

We’re committed to your success—that’s why we provide you with the best and most up-to-date information available. Our courses help prepare you for all types of South Carolina insurance exams, whether your goal is to become a licensed Property & Casualty insurance agent for the first time or you’re looking to sell additional products like life and health insurance.

America’s Professor offers one of the most comprehensive South Carolina property and casualty exam prep available today, plus comprehensive life, accident, & health courses. While we don’t specifically offer a South Carolina adjuster course, our other pre-licensing courses may fulfill some of the educational requirements for the adjuster exam. Contact us to learn more.

Read on and enroll today! Also check out our quick rundown on how to get your insurance license in South Carolina.

 

What kind of questions do they put on the South Carolina insurance exam?

All the questions on the South Carolina insurance exam are multiple choice. There are no fill-in or essay questions, which means there’s no need to memorize long-winded answers.

For example:

South Carolina sample question

The multiple-choice tests tend to focus heavily on definitions (terminology) and numbers (dollar amounts and number of days).

Exams are drawn from a large pool of questions, which means the questions on your exam will not be the exact same ones as the person sitting next to you. If you retake the exam you should expect to see very few of the same questions you saw the first time.

Students report that the exams vary greatly in terms of the number of questions on any given topic, and that the exams tend to be broken up in the following way:

  • Around 1/3 of the questions are terminology (definitional) questions
  • Around 1/3 are number/day questions
  • Around 1/3 are short story problems, in which you must apply the knowledge you’ve gained in your pre-licensing course to reason through a practical situation

 

What score do I need to pass the South Carolina insurance exam?

In South Carolina, you need a score of 70 to pass any of the exams. All exams consist of a mix of national and state questions. You need a score of 70 on each of these two parts—the scores are not averaged together.

You will receive your score immediately after completing the exam indicating whether you passed, along with a performance summary. Note that you will not receive details about which specific questions you answered correctly or incorrectly. The performance summary will simply indicate areas where you did well.

 

Are questions grouped by category?

No, questions and topics are randomly scrambled. Our students have never reported this to be a problem.

 

What insurance exams are given in South Carolina and what do they cost?

south carolina insurance exam options

How many questions are on the South Carolina insurance exam?

Per the South Carolina test content outlines provided by PSI Services, LLC, almost all the single-line exams will have 100 questions. The combo exams (e.g., 19-04 PC or 19-03 LAH) have 150 questions, as follows:

  • 5-15 Experimental Questions
  • ~15 State-Specific Questions
  • ~135 National/General Content Questions

Experimental questions (also called pretest questions) do not count towards your score. These questions are designed to throw you off. You will not know which questions are real and which are experimental when taking your exam—and it’s very possible the experimental questions will not even be covered in the Test Content Outline. It’s very important to remember that these pretest questions will be in your exam so you don’t start second guessing yourself when you see a question that you have no idea how to answer (make your best guess and stay calm!).

 

Where can I take the South Carolina insurance exam?

PSI Exams provides computer-based test administration at several testing centers throughout South Carolina. Click here to locate a testing center near you.

 

COVID-19 Update: As of July 20, 2020, PSI Exams is administering exams in the following South Carolina cities:

  • Beaufort
  • Charleston
  • Columbia
  • Florence
  • Graniteville
  • Greenville
  • Myrtle Beach
  • Spartanburg

Check PSI’s openings page for the most current information.

 

How do I sign up to take the South Carolina insurance exam?

You must register for your exam online at www.psiexams.com or by calling (800) 733-9267. Once you’ve registered and paid the fee ($45 for each exam) you must contact PSI to schedule an appointment to take the exam. You can schedule your appointment online or by calling (800) 733-9267.

 

What if I fail the South Carolina insurance exam?

If you do not pass the exam you will receive a diagnostic report that shows where you did well and where you fell short on each section of the exam. Note that the report will not tell you specifically which questions you answered incorrectly.

You can retake the test as soon as 2 business days from the day you failed, provided you call or schedule online right away and there is an open spot. You can schedule a retake of the exam online at www.psiexams.com or call PSI at (800) 733-9267. Note that you will be charged an additional test fee of $45 for each subsequent time you take the test.

 

How much is the South Carolina license fee?

The South Carolina Department of Insurance charges $25 per license type (ex. Property and Casualty insurance license, or Life & Health, etc.).

 

How do I sign up for the South Carolina fingerprinting and what is the fee?

You must schedule an appointment to get fingerprinted with IdentoGO by visiting www.identogo.com/locations/south-carolina. Click on “Digital Fingerprinting,” then “Schedule a New Appointment.” On the drop-down menu choose “DOI Producer Licensing/Renewal.” Choose a fingerprinting center nearest you by entering your zip code or selecting your region of the state.

You can also schedule an appointment for fingerprinting by calling (866) 254-2366. The cost for electronic fingerprinting is $50.50.

 

Which South Carolina insurance test is the toughest?

Each insurance licensing exam presents its own challenges. The Property insurance exam is generally easier than the Casualty insurance exam, since property insurance deals with issues that are easy to understand, like fire, floods, earthquakes, etc.

Casualty insurance deals with issues like protection against lawsuits. These questions are more conceptual and tend to be harder for students to grasp, particularly students who have never personally dealt with a lawsuit or other issues that the Liability pre-licensing courses cover.

Overall, expect the South Carolina exam to be challenging. Put yourself on a strict schedule as you do your exam prep work and remain focused and disciplined.

 

Will I have adequate time to complete the South Carolina insurance test?

Yes. Students almost never run out of time to complete the exam. Most people finish in about half of the allotted time (up to 2 hours). The only students who ever report that they ran out of time were those who were trying to memorize questions in the event they had to repeat the exam.

If English is not your first language you may qualify for extra time on the exam. Call PSI Services LLC at 1-800-733-9267 to learn whether you qualify. You may be required to submit a letter (on official letterhead) from an instructor, like America’s Professor, or employer that verifies English is your second language.

Is the South Carolina insurance exam still given by the “paper and pencil” method?

No, this is a computerized exam. Virtually all students say the proctors (exam administrators) were helpful, the room was quiet, and the computer worked well. The proctors usually let you complete a practice exam to learn how to use the system before you take the actual exam.

PSI Systems, LLC also offers practice tests online that you can take to prepare for your exam.

Your exam will be scored immediately at the testing center. You will know right away whether you passed, but you will not be given a copy of the exam. Nor will you be allowed to review questions you got wrong or their correct answers.

 

What is the best test prep method for the South Carolina insurance exam?

You must know the material—there is no way around this, and there are no shortcuts to learning.  There are, however, more effective and less frustrating ways to learn. We recommend that you follow this 4-step process:

  • Enroll in a course with America’s Professor
  • Listen to our lectures online
  • Highlight key concepts in the comprehensive textbook we provide
  • Review questions in our test bank

Send us an email if you have any questions.

video courses onlinesample questions
South Carolina Online Video CoursesSouth Carolina Sample Practice Exams

 

We hope this information about how to pass your insurance exam in South Carolina has been helpful. Enroll in a course with America’s Professor today!

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jerleatha white
jerleatha white
3 years ago

need links on license for insurance agent

America's Professor - DCM
Admin

Hello Jerleatha, What specific links are you looking for? (Pre-licensing courses, test information, test scheduling, etc.)

Jim Prince
Jim Prince
2 years ago

How much for just the written study guide for the SC life issuance producer exam?

America's Professor - DCM
Admin
Reply to  Jim Prince

Hello Jim, Unfortunately we do not sell just the written study materials for our courses at this time. Our South Carolina Life Pre-Licensing Course comes with the books, video lectures, review questions and free extensions until you pass for $139. Please let us know if you have any questions. Thanks and have a great day!

Ed Huntley
Ed Huntley
2 years ago

Healthcare insurance exam info for South Carolina

America's Professor - DCM
Admin
Reply to  Ed Huntley

Hello Ed, Did you have a specific question? Here is a link to our SC Health Pre-License Course to help you prepare for the Accident and Health Insurance Exam for South Carolina. Thanks and have a great day!

Blondell Parsons
Blondell Parsons
2 years ago

I am seeking study material for taking the insurance exam for life insurance here in South Carolina. Please respond to me by email.

America's Professor - DCM
Admin

Done! 🙂

Iris Davis
Iris Davis
2 years ago

I am seeking study material for taking the insurance exam for worker comp adjuster and Auto insurance here in South Carolina. Please respond to me by email.

America's Professor - DCM
Admin
Reply to  Iris Davis

Done! 🙂

Erika
Erika
2 years ago

Where can I find study material for the surety insurance producer exam?

America's Professor - DCM
Admin
Reply to  Erika

Hello Erika, I’m sorry but I don’t. I know our Surety material is included in our Property and Casualty course but I’m not sure who would split it out. I think you are the first person I’ve seen request it. Good luck!

Bert Gives Jr
Bert Gives Jr
1 year ago

I need material for title producer series 19-10 for the State of South Carolina,

America's Professor - DCM
Admin
Reply to  Bert Gives Jr

Hello Bert, Unfortunately we don’t have a recommendation for you on a Title Course. You might check with the SC DOI and see if they have any suggestions. Good luck.

Elena
Elena
4 months ago
Reply to  Bert Gives Jr

Did you ever find any materials for the 19-10? I am currently seeking study aids as well.

Dana Mitchell
Dana Mitchell
1 year ago

Im trying to find study material for the property and casualty. Also would like to know the costs. Please respond by email thank you

America's Professor - DCM
Admin
Reply to  Dana Mitchell

Done! 🙂

Mel
Mel
1 year ago

Is a sponsor required or can someone take the course pass exam getnlicense then look for a Job

America's Professor - DCM
Admin
Reply to  Mel

Hi Mel, A sponsor it not required for a Life, Accident and Health or Property and Casualty license. Simply pass your exams and apply for your license. Please let us know if you have any other questions. Thanks and have a great day!

Ryhan Jefferies
Ryhan Jefferies
8 months ago

What courses do I need to take to become an auto insurance agent? All that will help me.

America's Professor - DCM
Admin

Hello Ryham, To sell either Auto or Home insurance you will need a Property and Casualty (PC) license. Here is a link to our South Carolina Property and Casualty course. Good luck!

Tracy Goebel
Tracy Goebel
6 months ago

I have my NJ property and casualty license. Do I sit and retest for the State?

America's Professor - DCM
Admin
Reply to  Tracy Goebel

Hi Tracy, If you are still living in NJ then you’ll need to get a non-resident license for SC. If you are moving there, look at transferring your license (call the SC DOI and inquire). You might not have to take another exam. Good luck!



We make every effort to ensure that the content on our site is accurate but it’s always recommended to you contact your state’s Insurance Licensing Department or Test Provider for information. Thank you. – The AP Team

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