A licensed North Carolina life producer dies, and the producer's spouse wants a temporary license to continue servicing the business. What is the maximum duration of the temporary license?

Why A is correct

Under G.S. 58-33-66, a temporary license issued on the death or disability of a producer may not exceed 180 days, although the Commissioner may allow a longer period for good cause. No examination is required, and the temporary license terminates upon transfer of the business; the Commissioner may also require a licensed sponsor.

Why the other options are wrong

• B) Ninety days is the adjuster learner's permit period, not the temporary license maximum.
• C) No 60-day maximum applies to temporary licenses.
• D) There is a statutory limit of 180 days; the license ends on transfer of the business, not whenever the holder chooses.

Memory hook

Temporary means 180 days, give or take good cause.

Why A is correct

Under G.S. 58-33-66, a temporary license issued on the death or disability of a producer (available to a spouse, personal representative, or guardian, among other eligible cases) may not exceed 180 days unless the Commissioner grants a longer period for good cause, and no examination is required. The temporary license terminates upon transfer of the business, and the Commissioner may require a licensed sponsor responsible for the temporary licensee's acts.

Why the other options are wrong

• B) 90 days is the adjuster learner's permit period under G.S. 58-33-70(c); the temporary license runs up to 180 days and requires no exam.
• C) 60 days is the continuation election window and, formerly, a licensing-switch window; it is not the temporary license duration.
• D) A one-year term with a supplemental written exam describes nothing in G.S. 58-33-66; supplemental exams relate to Med Supp/LTC qualifications, not temporary licenses.

Memory hook

Six months, no exam, ends when the business changes hands.

Why C is correct

Under G.S. 58-33-66, the Commissioner may issue a temporary license to a surviving spouse, personal representative, or guardian of a deceased or disabled producer, among other eligible cases, without requiring an examination. The temporary license may not exceed 180 days unless the Commissioner finds good cause for a longer period, and it terminates upon transfer of the business. The Commissioner may also require a licensed sponsor.

Why the other options are wrong

• A) The statutory ceiling is 180 days rather than one year, and the statute provides for good-cause extension rather than twice-renewable terms.
• B) No examination is required for a temporary license, which is one of its principal purposes after a producer's death or disability.
• D) Surviving spouses and personal representatives of deceased producers are among the statute's explicitly eligible recipients, along with certain business-entity personnel.

Memory hook

Temporary license: 180 days, no exam, ends when the business moves on.

Why A is correct

Under G.S. 58-33-66, a temporary license may be issued to the spouse or personal representative of a deceased or disabled producer; no examination is required, the duration may not exceed 180 days (longer only for good cause), it terminates when the business is transferred, and the Commissioner may require a licensed sponsor. The fee equals the regular license fee and may credit against the sponsor's appointment fee.

Why the other options are wrong

• B) The entire purpose of a temporary license is to allow continuation of the business without an examination.
• C) The license is strictly time-limited to 180 days absent good cause and ends when the business is transferred; indefinite renewal is unavailable.
• D) Military service is one eligible situation, but death or disability of a producer is another; the option wrongly narrows the statute.

Memory hook

Temporary license: no exam, 180 days, gone when the business moves on.

Why D is correct

Under G.S. 58-33-66, a temporary license may be issued in cases such as the death or disability of a licensed producer and may not exceed 180 days unless the Commissioner finds good cause for a longer period. No examination is required, the temporary license terminates upon transfer of the business, and the Commissioner may require a licensed sponsor to oversee the work.

Why the other options are wrong

• A) 90 days is the adjuster learner's permit period under G.S. 58-33-70(c), not the temporary license maximum.
• B) 1 year is the outside limit for late proof of loss under G.S. 58-51-15(a)(7), unrelated to temporary licenses.
• C) 60 days is the window for a relocating nonresident to file a new home-state license and address change under G.S. 58-33-30(h)(2).

Memory hook

Temporary license: 180 days, no exam, ends when the business transfers.

Why D is correct

Under G.S. 58-33-66, a temporary license issued on the death or disability of a producer — or in other eligible cases such as a producer entering active military service — may not exceed 180 days unless the Commissioner finds good cause for a longer period. No examination is required, and the license terminates upon transfer of the business.

Why the other options are wrong

• A) Ninety days is the adjuster learner's permit period under G.S. 58-33-70(c), not the temporary license cap.
• B) Thirty days matches other NC deadlines (termination notice, appointment filing) but is far short of the temporary license duration.
• C) No one-year standard exists for the temporary license under G.S. 58-33-66.

Memory hook

Death or disability? Six months, no exam.