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How to pass the South Carolina Insurance Licensing Exam

preparing for south carolina insurance license exam

If you’re considering getting an insurance license in the state of 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 of 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 state insurance licensing 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.

Read on and enroll today!

 

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

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

For example:

Idaho 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?

South Carolina requires a score of 70 to pass each exam. The exam consists of two sections:

  • A national section that covers basic insurance product knowledge
  • A state section that covers insurance laws, regulations, and rules that pertain to South Carolina

You must score 70 on both sections, as the scores for each section will not be averaged. You will receive a score report immediately after completing the exam indicating whether you passed or failed. If you pass you’ll receive a letter that provides you with a performance summary. Note that it will not provide detailed information about which questions you answered correctly or incorrectly.

 

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?

The South Carolina license exam Test Content Outline (TCO) provided by PSI Services, LLC gives us the following breakdown for each exam:

Almost all of the exams will have 100 questions:

  • 20 Pretest Questions
  • 10 State-Specific Questions
  • 70 National/General Content Questions

Pretest questions do not count towards your score. You will not know what questions are real or pretest questions when taking your exam. It’s very possible the pretest questions will not even be covered in the Test Content Outline. It’s very important to know 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 provides computer-based test administration at several testing centers throughout South Carolina. Click here to locate a testing center near you.

 

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

You must register for your exam by completing a registration form 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 fail 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 space availability. 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 “State 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 is a more conceptual topic dealing with issues like protection against lawsuits. These more conceptual topics tend to be more difficult for students to grasp, particularly if they 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. Very rarely have students ever reported running out of time to complete the exam. Most students 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 quality for extra time on the exam. Call PSI Services LLC (the company the South Carolina DOI has contracted with to administer the license exams) 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 of the students say the proctors were helpful, the room was quiet, and the computer worked well. The proctors (administrators) typically give you the opportunity to complete a practice exam to learn how to use the system the day of your exam.

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

When you finish the exam you will NOT be given a copy of the exam, nor will you be given the opportunity to review particular questions and their answers. The exam will be scored immediately and you will know your results when you leave.

 

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:

  • Watch and listen to AP’s lectures
  • Highlight key concepts in the comprehensive textbook we provide
  • Review questions in our test bank; and
  • Send AP an email if you have any questions
video courses online sample questions
South Carolina Online Video Courses South 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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2 responses to “How to pass the South Carolina Insurance Licensing Exam”

  1. jerleatha white says:

    need links on license for insurance agent

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