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South Carolina Life Insurance — Requirements & Free Practice

US-SC · License preparation

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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.

South Carolina Insurance Agency License

Business-entity agency license for life insurance business; individual producers must hold the relevant line of authority.

Licensing authority: South Carolina Department of Insurance · Application information

Initial nonresident agency licensure
No examination is required for this applicant pathway.
Application
Submit Uniform Business Entity Application through NIPR and pay the $40 fee.
Home state
A non-South Carolina agency must provide home-state certification when its status cannot be verified through the SPLD.
Licensed producer
Agency must have at least one South Carolina licensed producer; individuals transacting life insurance must have that authority. A held license is an applicant condition.
Naming
Agency name must not be deceptive or misleading; entities subject to registration law must register with the Secretary of State.
Responsible person
Designate a licensed producer or other person responsible for compliance under Section 38-43-100(I).
Sole proprietorship
Agency owned and operated under an individual producer's name without another person's interest or affiliation is exempt from the separate agency license.

Official no-examination sources

Effective from 2026-09-22.

Initial resident agency licensure
No examination is required for this applicant pathway.
Application
Submit Uniform Business Entity Application through NIPR and pay the $40 fee.
Home state
Business entity domiciled in South Carolina.
Licensed producer
Agency must have at least one South Carolina licensed producer; individuals transacting life insurance must have that authority. A held license is an applicant condition.
Naming
Agency name must not be deceptive or misleading; entities subject to registration law must register with the Secretary of State.
Responsible person
Designate a licensed producer or other person responsible for compliance under Section 38-43-100(I).
Sole proprietorship
Agency owned and operated under an individual producer's name without another person's interest or affiliation is exempt from the separate agency license.

Official no-examination sources

Effective from 2026-09-22.

Agency reapplication after revocation or refusal
No examination is required for this applicant pathway.
Application
Director must approve a new agency application under Section 38-43-100(I); maintain a qualified licensed producer.
Waiting period
Observe the Section 38-43-130(D) two-year waiting period when applicable.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement of lapsed agency license
No examination is required for this applicant pathway.
Producer
Maintain the required licensed and appointed producer; do not transact insurance while the agency license is lapsed or canceled.
Requirements
Comply with applicable agency licensing requirements, pay the applicable fees, and the Regulation 69-33 Section V(A) penalty of four times the renewal fee or $250, whichever is greater.

Official no-examination sources

Effective from 2026-09-22.

Biennial agency renewal
No examination is required for this applicant pathway.
Application
Renew through NIPR using the home-state agency license number and FEIN or NPN.
Producer
Maintain at least one licensed and appointed producer assigned to the agency.
Renewal period
Renew in January of even-numbered years and pay the $40 fee.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Insurance Producer — Credit Life

Limited-line credit life authority.

Licensing authority: South Carolina Department of Insurance · Application information

Reinstatement after failure to renew within 180 days
No examination is required for this applicant pathway.
Continuing education
Meet applicable continuing-education requirements; limited-line producers retain their statutory exemption.
Deadline
Complete the renewal application and pay the $25 fee within 180 days after expiration.
Penalty
Penalty is $50 for days 1-30, $100 for days 31-60 and $250 for days 61-180.
Practice
Do not transact insurance business until reinstated.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, fee and certified home-state application or completed Uniform Application; licensing may be verified through the NAIC Producer Database.
Home state license
Currently licensed as a resident in good standing in the home state for the same line of authority.
Insurer vouching
The insurer vouches for the applicant's trustworthiness and qualifications under Section 38-43-50(A).
Reciprocity
Home state must award nonresident licenses to South Carolina residents on the same basis.
Scope
Same limited credit-life authority held in the home state under Section 38-43-70(E).

Official no-examination sources

Effective from 2026-09-22.

Initial resident licensure using the prior license examination exemption
No examination is required for this applicant pathway.
Insurer vouching
The insurer vouches for the applicant's trustworthiness and qualifications under Section 38-43-50(A).
Other state examinations
Any examinations associated with the previously held license are evidence of the other jurisdiction's qualification, not South Carolina requirement leaves.
Prior license
Previously licensed for the same line in another state, currently licensed there or application received within 90 days after cancellation; good standing must be established by certification or the NAIC Producer Database.
Resident application
Applicable South Carolina application, age, character, fee and fingerprint requirements still apply.
Scope
Same limited credit-life authority held in the home state under Section 38-43-70(E).

Official no-examination sources

Effective from 2026-09-22.

Resident limited credit life reapplication after revocation or refusal
No examination is required for this applicant pathway.
Application
Director must approve a new application; limited-credit examination exemption and insurer vouching apply.
Waiting period
Observe the two-year waiting period in Section 38-43-130(D).

Official no-examination sources

Effective from 2026-09-22.

Biennial nonresident renewal
No examination is required for this applicant pathway.
Continuing education
Limited-line producers are exempt from continuing education under Section 38-43-106(E).
License status
Existing active producer license; renewal is biennial by the end of the birth month based on the birth year.
Renewal application
Complete renewal through NIPR and pay the $25 renewal fee; update contact information.

Official no-examination sources

Effective from 2026-09-22.

Biennial resident renewal
No examination is required for this applicant pathway.
Continuing education
Limited-line producers are exempt from continuing education under Section 38-43-106(E).
License status
Existing active producer license; renewal is biennial by the end of the birth month based on the birth year.
Renewal application
Complete renewal through NIPR and pay the $25 renewal fee; update contact information.

Official no-examination sources

Effective from 2026-09-22.

Resident limited credit life licensure
No examination is required for this applicant pathway.
Application
Submit the producer application and fee; resident age, character and fingerprint requirements apply.
Insurer instruction
Section 38-43-100(L) requires the insurer to provide a filed program of instruction to persons selling, soliciting or negotiating credit insurance.
Limited scope
Credit life is a limited-line authority listed in Bulletin 2003-03, II, Q1, with no examination, continuing-education or prelicensing requirement.
Sponsorship
Insurer must vouch for trustworthiness and qualifications under Section 38-43-50(A).

Official no-examination sources

Effective from 2026-09-22.

Transfer to resident licensure within the statutory window
No examination is required for this applicant pathway.
Application
Cancel an existing South Carolina nonresident license if applicable and the previous resident license, apply through NIPR, and complete resident fingerprinting.
Application deadline
Apply within 90 days of establishing legal residence under Section 38-43-101(B).
Board deadline
The Producer page also states: "To exempt the state licensing examination the producer must submit an application within 90 days of canceling the license in the previous home state. Otherwise, the individual is required to take South Carolina’s licensing examination."
Insurer vouching
The insurer vouches for the applicant's trustworthiness and qualifications under Section 38-43-50(A).
Previous authority
Applicant moves to South Carolina holding the same line of insurance in another state.
Reciprocal standards
The Director reserves the right to reciprocate standards imposed on South Carolina producers.
Scope
Same limited credit-life authority held in the home state under Section 38-43-70(E).

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Insurance Producer — Pre-need Burial

Limited pre-need authority for a South Carolina funeral director employed by a licensed funeral home.

Licensing authority: South Carolina Department of Insurance · Application information

Reinstatement after failure to renew within 180 days
No examination is required for this applicant pathway.
Continuing education
Meet applicable continuing-education requirements; limited-line producers retain their statutory exemption.
Deadline
Complete the renewal application and pay the $25 fee within 180 days after expiration.
Penalty
Penalty is $50 for days 1-30, $100 for days 31-60 and $250 for days 61-180.
Practice
Do not transact insurance business until reinstated.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, fee and certified home-state application or completed Uniform Application; licensing may be verified through the NAIC Producer Database.
Board exam statement
The Board Producer page, under Non-resident Producers, states "Pre-need producers are only required to pass the life exam". Sections 38-43-70 and 38-43-75(B) waive examination requirements for qualifying nonresidents; this lower-ranked implementation demand is recorded for the applicant.
Funeral director
Provide a South Carolina funeral director license and letter of employment from a South Carolina licensed funeral home.
Home state license
Currently licensed as a resident in good standing in the home state for the same line of authority.
Reciprocity
Home state must award nonresident licenses to South Carolina residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Initial resident licensure using the prior license examination exemption
No examination is required for this applicant pathway.
Board exam statement
The Board Producer page, under Non-resident Producers, states "Pre-need producers are only required to pass the life exam". Sections 38-43-70 and 38-43-75(B) waive examination requirements for qualifying nonresidents; this lower-ranked implementation demand is recorded for the applicant.
Funeral director
Provide a South Carolina funeral director license and letter of employment from a South Carolina licensed funeral home.
Other state examinations
Any examinations associated with the previously held license are evidence of the other jurisdiction's qualification, not South Carolina requirement leaves.
Prior license
Previously licensed for the same line in another state, currently licensed there or application received within 90 days after cancellation; good standing must be established by certification or the NAIC Producer Database.
Resident application
Applicable South Carolina application, age, character, fee and fingerprint requirements still apply.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after revocation or refusal
South Carolina Life Insurance Producer
Licensing review
Reapplication does not guarantee approval; meet current producer qualifications and examination requirements.
Special conditions
Pre-need applicants provide the funeral director license and funeral-home employment; variable applicants hold life authority and meet the securities qualification and possible variable-exam waiver.
Waiting period
May reapply only after two years from revocation/refusal, or after the applicable final judicial order under Section 38-43-130(D).
Biennial nonresident renewal
No examination is required for this applicant pathway.
Continuing education
Limited-line producers are exempt from continuing education under Section 38-43-106(E).
License status
Existing active producer license; renewal is biennial by the end of the birth month based on the birth year.
Renewal application
Complete renewal through NIPR and pay the $25 renewal fee; update contact information.

Official no-examination sources

Effective from 2026-09-22.

Biennial resident renewal
No examination is required for this applicant pathway.
Continuing education
Limited-line producers are exempt from continuing education under Section 38-43-106(E).
License status
Existing active producer license; renewal is biennial by the end of the birth month based on the birth year.
Renewal application
Complete renewal through NIPR and pay the $25 renewal fee; update contact information.

Official no-examination sources

Effective from 2026-09-22.

Resident pre need licensure by examination
South Carolina Life Insurance Producer
Application
Submit the Uniform Application, attest that the information is true, correct and complete, and pay the applicable license fee; current Board instructions use NIPR.
Appointment
An insurer appointment is required when acting as that insurer's agent, pursuant to Section 38-43-50(B).
Character
Good moral character and the criminal-history criteria in Section 38-43-100(F)(2); licensing remains subject to the Director's review.
Citizenship
Regulation 69-23 Section III(A) requires United States citizenship or documentation that the applicant is a properly registered alien residing in the United States.
Fingerprints
Resident applicants must provide fingerprints and the applicable fees for SLED and FBI criminal-record checks; a medically certified physical injury may support the statutory waiver.
Funeral director
Provide a copy of the South Carolina funeral director license and a letter of employment from a South Carolina licensed funeral home.
Insurer vouching
The sponsoring insurer must vouch for the applicant under Section 38-43-50(A).
Limited authority
Pre-need Burial is a limited line. Continuing education is exempt under Section 38-43-106(E).
Minimum age
At least 18 years of age under Section 38-43-100(F)(1).
Score window
Examination reports are valid for 12 months; passing does not itself guarantee issuance of the license.
Transfer to resident licensure within the statutory window
No examination is required for this applicant pathway.
Application
Cancel an existing South Carolina nonresident license if applicable and the previous resident license, apply through NIPR, and complete resident fingerprinting.
Application deadline
Apply within 90 days of establishing legal residence under Section 38-43-101(B).
Board deadline
The Producer page also states: "To exempt the state licensing examination the producer must submit an application within 90 days of canceling the license in the previous home state. Otherwise, the individual is required to take South Carolina’s licensing examination."
Board exam statement
The Board Producer page, under Non-resident Producers, states "Pre-need producers are only required to pass the life exam". Sections 38-43-70 and 38-43-75(B) waive examination requirements for qualifying nonresidents; this lower-ranked implementation demand is recorded for the applicant.
Funeral director
Provide a South Carolina funeral director license and letter of employment from a South Carolina licensed funeral home.
Previous authority
Applicant moves to South Carolina holding the same line of insurance in another state.
Reciprocal standards
The Director reserves the right to reciprocate standards imposed on South Carolina producers.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Discretionary temporary authority to service an existing life-insurance business, for no more than 180 days.

Licensing authority: South Carolina Department of Insurance · Application information

Temporary licensure: Agency member or employee
No examination is required for this applicant pathway.
Applicant class
The individual designated in the business-entity application or license has died or become disabled.
Discretion
Director may limit authority, require a licensed producer or insurer as sponsor, impose public-protection conditions, and revoke the temporary license.
Duration
No more than 180 days, without examination, when necessary to service the existing insurance business.
Termination
Authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: Designee of producer entering military service
No examination is required for this applicant pathway.
Applicant class
Licensed producer is entering active service in the United States armed forces.
Discretion
Director may limit authority, require a licensed producer or insurer as sponsor, impose public-protection conditions, and revoke the temporary license.
Duration
No more than 180 days, without examination, when necessary to service the existing insurance business.
Termination
Authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: Other public interest circumstance
No examination is required for this applicant pathway.
Applicant class
Director finds temporary issuance best serves the public interest; this category cannot be used for continuing-education purposes.
Discretion
Director may limit authority, require a licensed producer or insurer as sponsor, impose public-protection conditions, and revoke the temporary license.
Duration
No more than 180 days, without examination, when necessary to service the existing insurance business.
Termination
Authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: Surviving spouse or court appointed personal representative
No examination is required for this applicant pathway.
Applicant class
Licensed producer has died or become mentally or physically disabled; temporary authority permits servicing while the business is sold, the producer recovers, or replacement personnel are trained and licensed.
Discretion
Director may limit authority, require a licensed producer or insurer as sponsor, impose public-protection conditions, and revoke the temporary license.
Duration
No more than 180 days, without examination, when necessary to service the existing insurance business.
Termination
Authority cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

South Carolina Life Insurance Producer

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
75 scored questions and 10 pretest questions (85 total)
Time limit
120 minutes
Passing score
Scaled score of 70
Exam fee
$59
Examination outline
  • General — I. TYPES OF POLICIES…………………………………15
    • A. Traditional whole life products
    • A. Traditional whole life products / 1. Ordinary whole life
    • A. Traditional whole life products / 2. Limited-pay and single-premium life
    • B. Interest/market sensitive/adjustable life products
    • B. Interest/market sensitive/adjustable life products / 1. Universal life
    • B. Interest/market sensitive/adjustable life products / 2. Variable whole life
    • B. Interest/market sensitive/adjustable life products / 3. Variable universal life
    • B. Interest/market sensitive/adjustable life products / 4. Interest-sensitive whole life
    • B. Interest/market sensitive/adjustable life products / 5. Indexed life
    • C. Term life
    • C. Term life / 1. Types
    • C. Term life / 1. Types / a. Level
    • C. Term life / 1. Types / b. Decreasing
    • C. Term life / 1. Types / c. Return of premium
    • C. Term life / 1. Types / d. Annually renewable
    • C. Term life / 2. Special features
    • C. Term life / 2. Special features / a. Renewable
    • C. Term life / 2. Special features / b. Convertible
    • D. Annuities
    • D. Annuities / 1. Single, level, and flexible premium
    • D. Annuities / 2. Immediate and deferred
    • D. Annuities / 3. Fixed and variable
    • D. Annuities / 4. Indexed
    • D. Annuities / 5. Accumulation and Annuity Periods
    • D. Annuities / 6. Payout options
    • E. Combination plans and variations
    • E. Combination plans and variations / 1. Joint life (first to die)
    • E. Combination plans and variations / 2. Survivorship life (second to die)
  • General — II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS………………………………………… 15
    • A. Policy riders
    • A. Policy riders / 1. Waiver of premium and waiver of monthly deduction
    • A. Policy riders / 2. Guaranteed insurability
    • A. Policy riders / 3. Payor benefit
    • A. Policy riders / 4. Accidental death and/or accidental death and dismemberment
    • A. Policy riders / 5. Term riders
    • A. Policy riders / 6. Other insureds
    • A. Policy riders / 7. Long term care
    • A. Policy riders / 8. Return of premium
    • A. Policy riders / 9. Disability
    • A. Policy riders / 10. Cost of Living
    • B. Policy provisions and options
    • B. Policy provisions and options / 1. Entire contract
    • B. Policy provisions and options / 2. Insuring clause
    • B. Policy provisions and options / 3. Free look
    • B. Policy provisions and options / 4. Consideration
    • B. Policy provisions and options / 5. Owner’s rights
    • B. Policy provisions and options / 6. Beneficiary designations
    • B. Policy provisions and options / 6. Beneficiary designations / a. Primary and contingent
    • B. Policy provisions and options / 6. Beneficiary designations / b. Revocable and irrevocable
    • B. Policy provisions and options / 6. Beneficiary designations / c. Common disaster
    • B. Policy provisions and options / 6. Beneficiary designations / d. Minor beneficiaries
    • B. Policy provisions and options / 6. Beneficiary designations / e. Designation by class
    • B. Policy provisions and options / 7. Premium Payment
    • B. Policy provisions and options / 7. Premium Payment / a. Modes
    • B. Policy provisions and options / 7. Premium Payment / b. Grace period
    • B. Policy provisions and options / 7. Premium Payment / c. Automatic premium loan
    • B. Policy provisions and options / 7. Premium Payment / d. Level or flexible
    • B. Policy provisions and options / 8. Reinstatement
    • B. Policy provisions and options / 9. Policy loans, withdrawals, partial surrenders
    • B. Policy provisions and options / 10. Nonforfeiture options
    • B. Policy provisions and options / 11. Dividends and dividend options (e.g. participating, non-participating)
    • B. Policy provisions and options / 12. Incontestability
    • B. Policy provisions and options / 13. Assignments
    • B. Policy provisions and options / 14. Suicide
    • B. Policy provisions and options / 15. Misstatement of age and gender
    • B. Policy provisions and options / 16. Settlement options
    • B. Policy provisions and options / 17. Accelerated death benefits
    • C. Policy exclusions
    • C. Policy exclusions / 1. War
    • C. Policy exclusions / 2. Aviation
    • C. Policy exclusions / 3. Dangerous occupation
  • General — III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICY……………………. 12
    • A. Completing the application
    • A. Completing the application / 1. Required signatures
    • A. Completing the application / 2. Changes in the application
    • A. Completing the application / 3. Consequences of incomplete applications
    • A. Completing the application / 4. Warranties and representations
    • A. Completing the application / 5. Collecting the initial premium and issuing the receipt
    • A. Completing the application / 6. Replacement
    • A. Completing the application / 7. Disclosures at point of sale (i.e. HIPAA, HIV consent)
    • A. Completing the application / 8. USA PATRIOT Act/anti-money laundering
    • A. Completing the application / 9. Gramm-Leach-Bliley Act (GLBA) Privacy
    • B. Underwriting
    • B. Underwriting / 1. Insurable interest
    • B. Underwriting / 2. Medical information and consumer reports
    • B. Underwriting / 3. Fair Credit Reporting Act
    • B. Underwriting / 4. Risk classification
    • B. Underwriting / 5. Stranger/Investor owned life insurance (STOLI, IOLI)
    • C. Delivering the policy
    • C. Delivering the policy / 1. When coverage begins
    • C. Delivering the policy / 2. Explaining the policy and its provisions, riders, exclusions, and ratings to the client
    • D. Contract Law
    • D. Contract Law / 1. Elements of a contract
    • D. Contract Law / 1. Elements of a contract / a. Consideration
    • D. Contract Law / 1. Elements of a contract / b. Offer and Acceptance
    • D. Contract Law / 1. Elements of a contract / c. Competent Parties
    • D. Contract Law / 1. Elements of a contract / d. Legal purpose
    • D. Contract Law / 2. Unique aspects of the insurance contract
    • D. Contract Law / 2. Unique aspects of the insurance contract / a. Conditional
    • D. Contract Law / 2. Unique aspects of the insurance contract / b. Unilateral
    • D. Contract Law / 2. Unique aspects of the insurance contract / c. Adhesion
    • D. Contract Law / 2. Unique aspects of the insurance contract / d. Aleatory
  • General — IV. RETIREMENT AND OTHER INSURANCE CONCEPTS 8
    • A. Third-party ownership
    • B. Life Settlements
    • C. Group life insurance
    • C. Group life insurance / 1. Conversion privilege
    • C. Group life insurance / 2. Contributory vs. noncontributory
    • D. Retirement plans
    • D. Retirement plans / 1. Qualified plans
    • D. Retirement plans / 2. Nonqualified plans
    • E. Life insurance needs analysis/suitability
    • E. Life insurance needs analysis/suitability / 1. Personal insurance needs
    • E. Life insurance needs analysis/suitability / 2. Business insurance needs
    • E. Life insurance needs analysis/suitability / 2. Business insurance needs / a. Key person
    • E. Life insurance needs analysis/suitability / 2. Business insurance needs / b. Buy sell
    • F. Social Security benefits
    • G. Tax treatment of insurance premiums, proceeds, dividends
    • G. Tax treatment of insurance premiums, proceeds, dividends / 1. Individual life
    • G. Tax treatment of insurance premiums, proceeds, dividends / 2. Group life
    • G. Tax treatment of insurance premiums, proceeds, dividends / 3. Modified Endowment Contracts (MECs)
  • State — I. SOUTH CAROLINA LAWS AND REGULATIONS PERTINENT TO ALL LINES…………….18
    • A. Insurance Department and Director
    • A. Insurance Department and Director / 1. Powers and duties Ref: 38-3-60, 110
    • A. Insurance Department and Director / 2. Examination of books and records Ref: 38-13-10–30; 38-43-250
    • A. Insurance Department and Director / 3. Investigations/Notice of hearing Ref: 38-3-170; 38-57-200
    • A. Insurance Department and Director / 4. Penalties and fines Ref: 38-2-10–30, 38-43-130
    • A. Insurance Department and Director / 5. Cease and desist orders Ref: 38-59-30, 270
    • B. General insurance definitions
    • B. General insurance definitions / 1. Domestic, foreign and alien insurers Ref: 38-1-20
    • B. General insurance definitions / 2. Admitted/Nonadmitted insurer Ref: 38-1-20; 38-5-80
    • B. General insurance definitions / 3. Sell, solicit, negotiate Ref: 38-1-20; 38-43-10
    • C. Licensing
    • C. Licensing / 1. Producer Ref: 38-43-10, 20, 30, 60
    • C. Licensing / 2. License fees and application Ref: 38-43-80, 100, 101
    • C. Licensing / 3. License probation, revocation, suspension, or denial of reissuance Ref: 38-43-130, 230
    • C. Licensing / 4. Temporary License Ref 38-43-102
    • C. Licensing / 5. Nonresident License Ref: 38-43-70
    • C. Licensing / 6. Agent appointment/termination of contract Ref: 38-43-40, 50, 55
    • C. Licensing / 7. Continuing education Ref: 38-43-106; Reg 69-50
    • C. Licensing / 8. Change of Address/name change Ref: 38-43-107; 38-43-10(C)
    • C. Licensing / 9. Reinstatement/license expiration Ref: 38-43-110(B)
    • D. Unfair and prohibited trade practices
    • D. Unfair and prohibited trade practices / 1. Rebating Ref: 38-57-130
    • D. Unfair and prohibited trade practices / 2. Defamation Ref: 38-57-90
    • D. Unfair and prohibited trade practices / 3. Unfair Discrimination Ref: 38-55-50; 38-57-120
    • D. Unfair and prohibited trade practices / 4. Misrepresentation Ref: 38-57-40
    • D. Unfair and prohibited trade practices / 5. False advertising Ref: 38-57-40, 50
    • D. Unfair and prohibited trade practices / 6. Boycott, coercion, and intimidation Ref: 38-57-100, 110
    • D. Unfair and prohibited trade practices / 7. Unfair claims settlement practices Ref: 38-59-10, 20
    • D. Unfair and prohibited trade practices / 8. Fraud Ref: 38-43-245
    • D. Unfair and prohibited trade practices / 9. False Financial Statements Ref: 38-57-80
    • D. Unfair and prohibited trade practices / 10. Prohibited inducements Ref: 38-57-130, 150
    • E. Reporting and Disposition of Premiums
    • E. Reporting and Disposition of Premiums / 1. Fiduciary capacity; misappropriation of funds Ref: 38-43-130, 240, 420
    • E. Reporting and Disposition of Premiums / 2. Commissions and compensation/charges for extra services Ref: 38-43-200
    • E. Reporting and Disposition of Premiums / 3. Reporting of Actions Ref 38-43-247
    • F. Life and Accident and Health Insurance Guaranty Association Ref: 38-29-20, 30, 40, 50, 80, 130. 200
    • G. Consumer information privacy regulation Ref: Reg 69-58 Sec 1–16
  • State — II. SOUTH CAROLINA LAWS AND REGULATIONS PERTINENT TO LIFE INSURANCE ……7
    • A. Replacement/Conversion of Life insurance Ref: Reg 69-12.1, 38-65-210(8–10)
    • B. Group/Individual Life policy provisions and riders Ref: 38-63-40, 220; 38-65-90, 210; 38-63-220(b)
Examination sources