Nevada Life, Accident & Health Insurance License Practice Exam
144 scored questions on the combined Pearson VUE Life and Health exam, 3 hrs 35 min. Scaled score 70 to pass. No pre-licensing is required. Fingerprints are submitted within 90 days of applying. OnVUE: 2 attempts per exam.
Nevada Life, Accident & Health — Study by Topic
Drill Nevada state law or practice general L&H concepts. The combined exam has 144 scored questions in 3 hrs 35 min, and Pearson VUE OnVUE allows 2 attempts per exam.
Life Insurance
Term, whole life, universal life, variable, annuities, riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements (NRS 688C).
Health & Accident
Individual/group health, disability income, long-term care, Medicare supplement, COBRA, ACA, HMOs, hospice care, mental health mandates.
Nevada State Law
Commissioner powers (NRS 679B), producer licensing (NRS 683A), L&H Guaranty Association (NRS 686C), unfair marketing practices (NRS 686A), group and credit life and health, advertising, replacement and free look rules, mandated health benefits.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA, NRS 688A and 689A provisions.
🌟 Full NV L&H Exam
144-question timed practice exam modeled on the combined Pearson VUE Nevada Life and Health exam: 215 minutes, scaled score of 70 to pass, no pre-licensing required.
About the Nevada Life & Health Insurance Exam
The Nevada producer exams are administered by Pearson VUE for the Nevada Division of Insurance. Nevada offers separate Life (2 hours) and Accident and Health (2 hours 15 minutes) exams as well as a combined Life and Health exam (3 hours 35 minutes). Each exam has a General portion and a Nevada-Specific portion. The combined exam has 144 scored questions: 50 Life general, 50 Accident and Health general and 44 Nevada-specific, plus 15 unscored pretest questions that are not identified.
The exam fee is $37 for a single line and $47 for the combined exam, paid when you reserve. Pearson VUE reports scaled scores from 0 to 100, and the passing score is 70 (NAC 683A.270). There is no penalty for guessing, and a failing score report shows a numeric score and diagnostic feedback by content area. The Division of Insurance's licensing page lists no pre-licensing requirement; a course is optional. You must pass within one year before you apply, apply through Sircon (state fee $185), and submit fingerprints within 90 days of applying.
Nevada Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Life: I. Types of Policies | 15 | Whole life, interest- and market-sensitive products, term life, annuities, joint and survivorship plans |
| Life: II. Provisions, Riders, Options, Exclusions | 15 | Riders, beneficiary designations, premium payment, nonforfeiture, dividends, incontestability, suicide, settlement options, accelerated death benefits, exclusions |
| Life: III. Application, Underwriting, Delivery | 12 | Application, underwriting and risk classification, STOLI/IOLI, when coverage begins, contract law |
| Life: IV. Retirement and Other Insurance Concepts | 8 | Third-party ownership, life settlements, group life, retirement plans, needs analysis, Social Security, tax treatment, MECs |
| A&H: I. Types of Policies | 16 | Disability income, AD&D, medical expense plans (HMO, PPO, POS, FSA, HDHP/HSA, HRA), Medicare supplement, group insurance, long-term care, other policies |
| A&H: II. Policy Provisions, Clauses, Riders | 15 | Mandatory provisions (grace period, reinstatement, claims, misstatement), optional clauses, riders and renewability |
| A&H: III. Social Insurance | 6 | Medicare Parts A-D, Medicaid, Social Security |
| A&H: IV. Other Insurance Concepts | 5 | Disability types, beneficiaries, premium modes, coordination of benefits, managed care, workers' compensation, subrogation, cost containment |
| A&H: V. Field Underwriting Procedures | 8 | Application, sources of insurability and HIPAA, initial premium and receipt, delivery, replacement, contract law |
| NV — I. Statutes Common to Life, Health, Property and Casualty | 20 | Commissioner powers (NRS 679B), definitions, producer licensing (NRS 683A), appointments, renewal and CE, unfair claims and marketing practices (NRS 686A), fiduciary duties, commissions, L&H Guaranty Association (NRS 686C) |
| NV — II. Common to Life and Health Only | 4 | Credit life and health (NRS 690A), group life and health (NRS 688B, 689B), advertising (NAC 689A) |
| NV — III. Life Insurance Only | 6 | Replacement (NRS 686A.060), disclosure and Buyer's Guide, fraternals (NRS 695A), ten-day free look (NRS 688A.165), viaticals (NRS 688C) |
| NV — IV. Health Insurance Only | 14 | Dependent children, newborn coverage, preventive care, mental health and substance abuse, reconstructive surgery, hospice, Medicare supplement, Medicare Advantage, Part D, long-term care |
Counts are from the Nevada content outlines published by Pearson VUE (effective October 1, 2024; a November 14, 2026 edition keeps the same structure): Life general 50, Accident and Health general 50 and Life/Health Nevada 44 scored questions, each portion with 5 unscored pretest questions. The single Life exam pairs 50 general with 30 Nevada questions, and the single Accident and Health exam pairs 50 general with 38 Nevada questions.
What Makes the Nevada Life & Health Exam Different
Combined or separate exams. The Nevada portion is 44 scored questions on the combined exam, 30 on the Life exam and 38 on the Accident and Health exam. The single Life exam has 80 scored questions (2 hours) and the single Accident and Health exam has 88 (2 hours 15 minutes). The combined exam costs $47 against $37 for a single line (Pearson VUE candidate handbook).
No pre-licensing, but a one-year window. Nevada does not require pre-licensing education, though optional courses are available. The score must be earned within one year before you apply (NAC 683A.270), and the handbook says to apply through Sircon within one year after passing. Fingerprints must be submitted within 90 days of applying, using an approved vendor listed on the Division's site.
Retakes and online testing. At a test center you cannot make a retake reservation on site and must wait 24 hours. With OnVUE online proctoring you get two attempts per exam, then further attempts must be at a test center. A failed exam is retaken in full, and OnVUE allows no breaks.
Life policy rules specific to Nevada. A life or annuity contract must carry a 10-day cancellation notice, and a replacement contract a 30-day notice (NRS 688A.165). The grace period on life premiums is 30 days, with interest of up to 6% a year allowed (NRS 688A.060). Both fall inside the Nevada life-only and general life content.
Sample Nevada Life & Health Insurance Exam Questions
1. A Nevada life insurer issues a policy that replaces existing coverage. How long must the cancellation notice in the contract allow the owner to cancel and receive a full refund?
2. What is the standard grace period for payment of a life insurance premium after the first under Nevada law?
3. A Nevada producer's license expired. Within what period may the person reapply for the same license without a written examination?
Study Tips for the Nevada Life & Health Exam
Count your points: Nevada is 44 of 144 scored questions on the combined exam, and 20 of those cover statutes common to every line (commissioner powers, producer licensing, appointments, renewal and CE, unfair marketing and claims practices, fiduciary duties and the guaranty association). Learn those first, then the 14 health-only and 6 life-only questions.
On the general portions, Life puts 30 of 50 questions into policy types and provisions, riders, options and exclusions. Accident and Health puts 31 of 50 into policy types and policy provisions, clauses and riders. Spend most of your time there.
You need a scaled 70, not 70% of questions, and a failing score report shows a numeric score plus diagnostics by content area. There is no penalty for guessing, so answer every question. On OnVUE you get two attempts per exam.
Also licensing in property or casualty? See our Nevada Property & Casualty practice exam. National content is in our life and health practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Nevada Life & Health Insurance License
There are four steps to get your Nevada insurance producer license for the Life and Health lines.
Steps to Get Your Nevada Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Study (Pre-Licensing Is Optional) | Nevada does not require pre-licensing education, though you may take optional courses listed through Sircon. Review the Pearson VUE content outlines and the Nevada statutes and regulations they cite. |
| 2. Reserve and Take the Exam | Reserve at least 24 hours ahead through Pearson VUE and pay $37 for a single line or $47 for the combined Life and Health exam. Bring two forms of signature ID, one government-issued with a photo, or test online with OnVUE (two attempts per exam). |
| 3. Pass the Exam | You need a scaled score of 70. Passing the exam does not guarantee a license, and the score must be earned within one year before you apply. |
| 4. Apply, Fingerprint and Maintain | Apply through Sircon (state fee $185), submit fingerprints within 90 days of applying through an approved vendor, and upload the Fingerprint Background Waiver. To renew, complete 30 hours of CE in each 3-year period, 3 of them in ethics. |
Nevada Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life; Accident and Health; Property; Casualty; Personal Lines and others (NRS 683A.261) |
| Pre-license education | Not required; optional courses are available |
| Exam (combined L&H) | 50 Life general + 50 A&H general + 44 Nevada scored questions = 144 |
| Exam (single line) | Life: 50 general + 30 Nevada (2 hours); A&H: 50 general + 38 Nevada (2 hours 15 minutes) |
| Time limit (combined) | 3 hours 35 minutes |
| Passing score | Scaled score of 70 (NAC 683A.270), earned within one year before applying |
| Exam fee | $37 single line; $47 combined (Pearson VUE candidate handbook) |
| Fingerprints | Submit within 90 days of applying, through an approved vendor |
| Retakes | Wait 24 hours at a test center; OnVUE allows two attempts per exam |
| State application fee | $185 through Sircon (Division of Insurance) |
| Continuing education | 30 hours per 3-year period, 3 in ethics; hours above the requirement do not carry over (NAC 683A.330 and 683A.355) |
| Licensing authority | Nevada Division of Insurance |
Verified against the Pearson VUE Nevada candidate handbook and content outlines, the Nevada Division of Insurance producer page, NRS Chapters 683A, 688A and 485 and NAC Chapter 683A. Fees and requirements change; confirm current figures with the Division and Pearson VUE before you apply.
Our free Nevada Life & Health practice exam covers general and Nevada content. You can also try the national life and health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Nevada Life & Health Insurance Exam
How many questions are on the Nevada Life and Health exam?
The combined Life and Health exam has 144 scored questions: 50 Life general, 50 Accident and Health general and 44 Nevada-specific. It also has 15 unscored pretest questions. The single Life exam has 80 scored questions and the single Accident and Health exam has 88.
How long is the Nevada Life and Health exam?
The combined exam allows 3 hours 35 minutes. The single Life exam allows 2 hours and the single Accident and Health exam 2 hours 15 minutes.
What is the passing score for the Nevada insurance exam?
A scaled score of 70, set under NAC 683A.270. Scaled scores run from 0 to 100 and are adjusted for form difficulty, so they are not a percentage of questions answered correctly.
Does Nevada require pre-licensing education?
No. The Division of Insurance says pre-licensing is not required, though you may take an optional course for the lines you apply for.
Does Nevada require fingerprints?
Yes. Submit fingerprints within 90 days of applying, through an approved vendor, and upload the signed Fingerprint Background Waiver Form with your application.
Can I take the Nevada exam online?
Yes, with Pearson VUE OnVUE online proctoring. You get two attempts per exam, and further attempts must be at a Pearson VUE test center. OnVUE allows no breaks.
How much does the Nevada exam cost?
$37 for a single-line exam and $47 for the combined Life and Health exam, paid when you reserve. The Division of Insurance charges a $185 state application fee.
What are the continuing education requirements?
30 hours of approved CE in the 3-year period before renewal, 3 of them in ethics. Hours above the requirement cannot be carried into the next period, and the Commissioner exempts holders of the CPCU, CLU, CIC, CFP or ChFC designation (NAC 683A.330).
Practice Exam Questions — Nevada Life & Health
5 state-specific questions based on official sources. Correct answer highlighted in green.
What is the passing score on the Nevada insurance producer exams?
- A scaled score of 70
- 80% of questions correct
- 75% of questions correct
- A scaled score of 80
How many attempts does Nevada allow for an exam taken with OnVUE online proctoring?
- One
- Two
- Three
- Unlimited
When must fingerprints be submitted for a Nevada producer license?
- Before the exam
- On exam day
- Within 90 days of applying for the license
- After the first renewal
How many hours of pre-licensing education does Nevada require?
- 20 hours per line
- 40 hours per line
- 50 hours per line
- None; a course is optional
How much continuing education does a Nevada producer complete in each renewal period?
- 24 hours every 2 years
- 30 hours every 3 years, 3 in ethics
- 15 hours every 2 years
- 12 hours every year