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South Carolina Health Insurance — License Examination Requirements

US-SC · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Agency License

Business-entity producer license for an agency transacting accident-and-health insurance. The responsible individual producer's license is an applicant condition of the entity's route.

Licensing authority: South Carolina Department of Insurance · Application information

Nonresident business entity agency licensure
No examination is required for this applicant pathway.
Application
Submit a Uniform Business Entity Application and pay the $40 agency license fee.
Entity
Foreign corporation, limited partnership or other covered business entity; required Secretary of State registration applies under Regulation 69-23(II)(B).
Responsible Person
Designate a licensed producer or responsible person; every person performing producer acts must hold the appropriate individual producer license, including accident-and-health authority for health sales.
Scope
One agency license regardless of the number of insurers represented or locations; do not use a misleading agency name.

Official no-examination sources

Effective from 2026-09-22.

Agency reinstatement after fee lapse
No examination is required for this applicant pathway.
Requirements
Comply with agency licensing qualifications, pay applicable fees, and pay the Regulation 69-33(V)(A) penalty of four times the renewal fee or $250, whichever is greater.
Responsible Individuals
Associated individual producers must be current and active; their own licensing routes determine their examinations.

Official no-examination sources

Effective from 2026-09-22.

Biennial agency renewal
No examination is required for this applicant pathway.
Individual Licenses
Maintain associated individual producer licensure; no current active individual producer causes termination under Regulation 69-23(II)(C).
Renewal
Pay the $40 agency license fee in January of even-numbered years by January 31.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity agency licensure
No examination is required for this applicant pathway.
Application
Submit a truthful Uniform Business Entity Application and pay the $40 agency license fee.
Entity
Corporation, partnership, association or other aggregation transacting producer business under a corporate or trade name. A qualifying single-owner sole proprietor is excepted under section 38-43-30(A).
Line Of Authority
This route concerns an agency transacting accident-and-health insurance; the responsible person's individual license is a condition rather than the agency's examination leaf.
Name
Agency name must not imply that it is an insurer, governmental agency or listed organization, or be deceptive or misleading under Regulation 69-23(II)(B).
Responsible Person
Designate a licensed producer or other person responsible for entity compliance; individuals doing producer acts must hold their own current license for the line. The agency terminates if no associated person holds a current active individual producer license under Regulation 69-23(II)(C).

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Producer — Credit Health

Limited credit-health insurance authority, issued through an insurer; not the unrestricted accident-and-health line.

Licensing authority: South Carolina Department of Insurance · Application information

Nonresident limited credit health reciprocity
No examination is required for this applicant pathway.
Home State
Hold the corresponding limited credit-health producer authority in the home state, in good standing; South Carolina grants the same scope under section 38-43-70(E), applying subsection (A)'s application, fees and reciprocity conditions.
Insurer
Obtain insurer vouching and appointment for the limited line as required by section 38-43-50(A).

Official no-examination sources

Effective from 2026-09-22.

Limited credit health reinstatement within six months
No examination is required for this applicant pathway.
Deadline
Reinstate within six months of the compliance deadline; comply with licensing requirements, pay applicable fees and the reinstatement penalty up to $250 under Regulation 69-33(V)(B).
Education
Limited credit-health remains CE-exempt; the limited credit examination exemption remains applicable.

Official no-examination sources

Effective from 2026-09-22.

Limited credit health reapplication after cancellation
No examination is required for this applicant pathway.
Prior Discipline
Observe the section 38-43-130(D) two-year reapplication restriction when a license was revoked or an application refused.
Qualification
Reapply for the same limited credit-health scope with insurer vouching, application, fees and applicable background checks; the line is examination-exempt under the specifically authorized limited-line bulletin.

Official no-examination sources

Effective from 2026-09-22.

Limited credit health biennial renewal
No examination is required for this applicant pathway.
Appointments
Maintain the insurer appointment for limited credit-health business.
Education
Limited lines are exempt from CE under section 38-43-106(E).
Renewal
Renew the individual producer license biennially by the birth-month deadline and pay the statutory producer renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Resident limited credit health producer licensure
No examination is required for this applicant pathway.
Authority
Authority is confined to credit-health insurance; not an unrestricted health-producer license.
Continuing Education
Limited lines producers are exempt from section 38-43-106 under subsection (E).
Credit Transactions
A bank, finance company or other credit business using non-examined credit producers must have the producer support required by section 38-43-100(A) readily available for customer questions.
Insurer
An insurer official or licensed representative must vouch for appointment, investigated character, trustworthiness, qualifications and good-faith intent under section 38-43-50(A).
Qualification
Submit the producer application, fees and applicable resident fingerprint/background information; the limited credit-health examination exemption is listed in Bulletin 2003-03 and current NIPR South Carolina requirements.
Training
The selling insurer must furnish its instruction program filed with the director under section 38-43-100(L).

Official no-examination sources

Effective from 2026-09-22.

Rental Car Limited Insurance License

Limited rental-company authorization includes accident-and-health personal accident coverage and emergency sickness protection incidental to rentals, rather than an individual unrestricted health-producer license.

Licensing authority: South Carolina Department of Insurance

Rental company limited insurance licensure
No examination is required for this applicant pathway.
Application
Submit the signed prescribed application (SCID 3700), corporate certificate or partnership/licensure documentation, identified outlets and insurer appointment form (SCID 3705) through the appointing insurer; remit $40.
Business
Company primarily renting motor vehicles under agreements not exceeding 90 days; covered health authority is incidental personal accident and emergency sickness protection.
Disclosures
Provide the section 38-43-500(E) coverage, duplication, optional-purchase and claims disclosures and evidence of coverage.
Employees
Only trained employees may offer the coverages under supervision of the limited licensee; maintain product-training records for at least five years and make them available to the Department.

Official no-examination sources

Effective from 2026-09-22.

Rental company reinstatement after fee lapse
No examination is required for this applicant pathway.
Qualification
Meet the limited-rental licensing qualifications and pay applicable fees; Regulation 69-33(V)(A) adds a penalty of four times the renewal fee or $250, whichever is greater.
Scope
The company's health authorization remains limited to the incidental rental coverages in section 38-43-500(D).

Official no-examination sources

Effective from 2026-09-22.

Biennial rental company renewal
No examination is required for this applicant pathway.
Coverage And Training
Maintain insurer appointment, qualifying rental business, trained employees and required disclosures for the limited health-related coverages.
Renewal
Pay the $40 limited-license fee biennially in December of even-numbered years by December 31.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary accident-and-health producer authority for servicing an existing insurance business in the cases specified in section 38-43-102; maximum 180 days, subject to the director's limits.

Licensing authority: South Carolina Department of Insurance

Temporary servicing by an agency member or employee
No examination is required for this applicant pathway.
Duration
Director must consider the license necessary to service the insurance business; maximum 180 days.
Line Of Authority
Temporary authority is limited to the accident-and-health insurance business for which the temporary license is approved.
Qualifying Case
Member or employee of a licensed agency after death or disability of the individual designated in its application or license.
Scope And Sponsor
The director may limit authority, require a suitable licensed producer or insurer sponsor assuming responsibility, impose other protective conditions or revoke the license.
Termination
The license cannot continue after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing during active military service
No examination is required for this applicant pathway.
Duration
Director must consider the license necessary to service the insurance business; maximum 180 days.
Line Of Authority
Temporary authority is limited to the accident-and-health insurance business for which the temporary license is approved.
Qualifying Case
Designee of a licensed producer entering active service in the U.S. armed forces.
Scope And Sponsor
The director may limit authority, require a suitable licensed producer or insurer sponsor assuming responsibility, impose other protective conditions or revoke the license.
Termination
The license cannot continue after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2026-09-22.

Other temporary servicing in the public interest
No examination is required for this applicant pathway.
Duration
Director must consider the license necessary to service the insurance business; maximum 180 days.
Line Of Authority
Temporary authority is limited to the accident-and-health insurance business for which the temporary license is approved.
Qualifying Case
Other circumstance where the director considers issuance to serve the public interest; continuing education purposes are expressly excluded.
Scope And Sponsor
The director may limit authority, require a suitable licensed producer or insurer sponsor assuming responsibility, impose other protective conditions or revoke the license.
Termination
The license cannot continue after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing after death or disability
No examination is required for this applicant pathway.
Duration
Director must consider the license necessary to service the insurance business; maximum 180 days.
Line Of Authority
Temporary authority is limited to the accident-and-health insurance business for which the temporary license is approved.
Qualifying Case
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled; allow business sale, recovery, return or training/licensing of replacement personnel.
Scope And Sponsor
The director may limit authority, require a suitable licensed producer or insurer sponsor assuming responsibility, impose other protective conditions or revoke the license.
Termination
The license cannot continue after disposal of the business by its owner or personal representative.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Travel Insurance Producer License

Limited travel-insurance authority includes sickness, accident, disability and death during travel under section 38-43-725(A); this survey covers that health-related authorization.

Licensing authority: South Carolina Department of Insurance · Application information

Nonresident limited lines travel reciprocity
No examination is required for this applicant pathway.
Appointment
Be appointed by an insurer for limited travel-insurance transactions.
Home State
Hold travel limited-line authority in the home state with section 38-43-70(A) good standing, application, fee and reciprocity; subsection (E) grants the same limited scope.
Retailers
Travel-retailer supervising operations must satisfy section 38-43-730(A), including responsible producer, register, applicable fingerprint compliance and employee training.

Official no-examination sources

Effective from 2026-09-22.

Limited lines travel reapplication
No examination is required for this applicant pathway.
Application
Submit the director-prescribed application and applicable fees, appointment and background information for limited travel authority.
Discipline
Observe section 38-43-130's disqualification and two-year waiting period if the prior license was revoked or issuance refused.

Official no-examination sources

Effective from 2026-09-22.

Limited lines travel reinstatement within six months
No examination is required for this applicant pathway.
Deadline
Reinstate within six months, comply with licensing qualifications, and pay applicable fees and penalty up to $250 under Regulation 69-33(V)(B).
Qualification
Travel remains examination-exempt in the current state application requirements, and limited lines remain CE-exempt.

Official no-examination sources

Effective from 2026-09-22.

Limited lines travel renewal
No examination is required for this applicant pathway.
Appointment
Maintain the insurer appointment; comply with travel-retailer supervisory requirements where applicable.
Renewal
Section 38-43-110(A) states biennial individual producer renewal with applicable fees; limited lines remain CE-exempt under section 38-43-106(E).

Official no-examination sources

Effective from 2026-09-22.

Resident limited lines travel producer licensure
No examination is required for this applicant pathway.
Application
Individual applies in the director-prescribed form and manner, obtains licensure and an insurer appointment under section 38-43-25(A); South Carolina NIPR instructions list Travel as exam-not-required.
Authority
Includes incidental travel sickness, accident, disability or death coverage; major medical plans for travel longer than six months are outside the section 38-43-720(15) travel definition.
Background And Fees
Comply with applicable individual producer application, fees and fingerprints; limited lines do not require CE under section 38-43-106(E).
Retailers
If acting as the insurer's supervising producer for travel retailers, maintain their register, designate the licensed responsible producer, obtain required fingerprint compliance, provide training and comply with section 38-43-730(A).

Official no-examination sources

Effective from 2026-09-22.