Getting your South Carolina insurance license is the first step to becoming an insurance agent in South Carolina. Whether you’re interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.

    The South Carolina Department of Insurance has a 6-step process to getting your insurance license. We’ll walk you through step-by-step; from the license application to insurance test prep, to the South Carolina insurance exam, and beyond.

    This guide has everything you need to know to get your South Carolina insurance license quickly and easily.

     

    How To Get Your South Carolina Insurance License

    Getting your insurance license in South Carolina is easy! Just follow our step-by-step guide. Be sure to bookmark this page so that you can visit it again throughout this process.

     

    Step 1

    Step 1. Which Insurance Licenses Do You Need?

    The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license (P&C)life and health insurance license (L&H).

    The types of insurance products and policies you’ll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:

     

    Most insurance agents and producers choose to get both P&C and L&H licenses, but if you plan on specializing in only one category then you don’t need every license.

    Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: South Carolina Insurance Adjuster License

    Note:

    If you plan on specializing as a life insurance agent, then you may also need to hold a certain FINRA securities license.

     

    Step 2Step 2. South Carolina Insurance Pre-Exam Education

    After you’ve determined which licenses you need, it’s time to begin studying for the South Carolina insurance exams.

    South Carolina does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.

    Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.

    It’s wise to take a week or so to dedicate to your study of this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.

    Recommended Course

    For insurance license exam courses and study tools, StateRequirement recommends:

     

    Step 3Step 3. South Carolina Insurance License Exam

    The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each combined line of insurance you wish to carry.  The Property line and Casualty line are combined as one exam. The Lifeline and Accident and Health line are combined as one exam as well.

    This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

    The fee for each attempt of the combined exams is $45. When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.

    Each of the exams consist of one hundred fifty (150) questions. You have one hundred sixty-five (165) minutes to complete each test. The minimum score required to pass is 70% correct answers.

    PSI Exams provides content outlines for each exam. Be sure to study them before you attempt the test:

    Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.

     

    Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

    Tip:

    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    Check out our review of the Kaplan Insurance Course.

    You may register to take your exams on the PSI Exams South Carolina Insurance page. For much more information on testing, visit the PSI Exams South Carolina Insurance License Examination Candidate Information Bulletin.

     

    Step 4Step 4. South Carolina Insurance License Application

    After passing your exams, the next step is to apply for your license. If you have more than one line of authority that you passed the test for, be sure to apply for all of those lines.

    The fee for an online application is $25.

    If you wish to add another line of authority at a later date, you will complete another application, and pay the same fee as the original.

    Fill out your online application on the South Carolina NIPR page.

     

    Step 5Step 5. Fingerprinting and Background Check

    As of January 1st, 2017, the State of South Carolina requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Department of Insurance at (803) 737-6160 or email the Insurance Department.

    You must schedule your fingerprinting appointment with the IdentoGo. Be sure that they know that you are being fingerprinted for insurance licensing. Use the code: SC920124Z-DOI Producer Licensing/Renewal when prompted.

    The fee for the fingerprinting is $50.50. When completed, you will receive a receipt and other documents. Send these documents to the department at [email protected]. The sooner you do this, the faster your background check will go through.

     

    Step 6Step 6. Application Review

    Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

    If everything is to acceptable standards your license should be issued quickly. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

    After submitting your application, the background check will take a few days to complete. You will not receive any correspondence from the department unless they find an issue. You will need to use the South Carolina Insurance License Look-Up Tool to verify that your license has been issued.

     

    Congratulations!

    You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.




    After Getting Your South Carolina Insurance License

    Once you’ve passed your exams and completed the licensing application, you are now a licensed insurance agent in South Carolina. A common question we hear is, “I have my insurance license, now what?” Here are a few things you can do or need to know:




    South Carolina Department Of Insurance Contact Information

    Mailing Address:

    South Carolina Department of Insurance
    P.O. Box 100105
    Columbia, South Carolina 29202

    Phone: (803) 737-6160

    Fax: (803) 737-6231

    Email: [email protected]

    Website: http://www.doi.sc.gov/

    License Search: South Carolina Insurance License Search and Lookup

     

    South Carolina Insurance License FAQ

    How long is the insurance license period in South Carolina?

    Two years. Learn more here: South Carolina Insurance License Renewal

     

    How long does it take to get an insurance license in South Carolina?

    2-8 weeks. The bulk of the time is spent studying for your South Carolina insurance exam. Some people study for as little as one week and feel comfortable taking the exam. We recommend you take whatever amount of time you need to feel comfortable with the material. Check out our guide: How to Pass the Insurance Exam

     

    How much does the South Carolina insurance license cost?

    The total cost for your insurance course, application, and exam will be about $375. If you don’t pass the exam the first time, add $45 for each subsequent attempt.

     

    How do I get a life insurance license in South Carolina?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.

     

    How do I get a life insurance license in South Carolina?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.




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    Information on this page has been gathered by a multitude of sources and was most recently updated in April 2021.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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