Nevada Life & Health Insurance License Exam Overview
The Nevada Life & Health Insurance License Exam is your pathway to selling life insurance, health insurance, annuities, and related products in the Silver State. Administered by Pearson VUE on behalf of the Nevada Division of Insurance (DOI), this exam ensures you have the knowledge to serve Nevada consumers ethically and competently.
Nevada offers tremendous opportunities for insurance professionals with no state income tax, a growing population from California migration, and major metropolitan markets in Las Vegas and Reno. The tourism and hospitality industries create unique insurance needs, making this an exciting market to serve.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 159 (144 scored + 15 pretest) |
| Time Limit | 3 hours 35 minutes |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $49 (combined Life & Health) |
| Pre-licensing Education | 40 hours required (20 per line) |
| Score Validity | 2 years |
Individual Line Exams:
- Life Insurance: 90 questions (80 scored + 10 pretest), 2 hours, $39
- Health Insurance: 98 questions (88 scored + 10 pretest), 2 hours 15 minutes, $39
Why Get Licensed in Nevada?
- No state income tax - Nevada is one of nine states with no income tax, maximizing your earning potential
- Las Vegas market - Tourism, hospitality, and entertainment industries create unique insurance needs
- Growing population - Significant migration from California brings new clients
- State-based exchange - Nevada Health Link creates opportunities for health insurance agents
- Diverse product opportunities - Life, health, disability, long-term care, and annuities
Start Your FREE Nevada Life & Health Exam Prep
Ready to begin studying? Our comprehensive, completely free Nevada Life & Health exam prep covers everything you need to pass.
Key Topics Covered on the Exam
1. Life Insurance Fundamentals (30-35%)
Types of Life Insurance:
- Term Life (level, decreasing, renewable, convertible)
- Whole Life (ordinary, limited pay, single premium)
- Universal Life (flexible premiums, adjustable death benefit)
- Variable Life (securities-based, requires additional licensing)
Nevada Life Insurance Policy Provisions:
| Provision | Nevada Requirement |
|---|---|
| Grace Period | 30 days (individual); 31 days (group) |
| Incontestability Period | 2 years from policy issue |
| Suicide Clause | 2 years |
| Free Look Period | 10 days (30 days for seniors 65+) |
| Reinstatement | 3 years |
| Misstatement of Age | Adjusted benefits, not voided |
Key Life Insurance Concepts:
- Beneficiary designations (primary, contingent, irrevocable)
- Settlement options (lump sum, interest only, fixed period, life income)
- Policy loans and cash value
- Nonforfeiture options (cash surrender, reduced paid-up, extended term)
- Dividend options for participating policies
2. Health Insurance Fundamentals (30-35%)
Nevada Health Insurance Landscape:
Nevada operates Nevada Health Link, a state-based health insurance marketplace established under the Affordable Care Act. As a licensed agent, you'll help clients navigate:
- Open Enrollment Period - November 1 through January 15 annually
- Metal Tiers - Bronze, Silver, Gold, Platinum plans
- Premium Tax Credits - Based on income and family size
- Battle Born State Plans (BBSPs) - New affordable options starting 2026
Nevada Medicaid (Centennial Care):
- Adults under 65 with household income up to 138% of poverty
- Nevada Check Up (CHIP) for children in families with moderate incomes
- Managed care delivery system
Major Medical Coverage Topics:
- Deductibles, copays, and coinsurance
- Out-of-pocket maximums
- Network types (HMO, PPO, EPO, POS)
- Essential health benefits under ACA
- Pre-existing condition protections
Supplemental Health Products:
- Disability income insurance (short-term and long-term)
- Long-term care insurance
- Medicare supplements (Medigap)
- Dental and vision coverage
3. Annuities (15-20%)
- Fixed vs. variable annuities
- Immediate vs. deferred annuities
- Accumulation and annuitization phases
- Surrender charges and free withdrawal provisions
- Death benefit provisions
- 1035 exchanges
Nevada Annuity Requirements:
- 4-hour Best Interest training required before selling annuities (for producers licensed after November 15, 2024)
- Free look period applies to annuity contracts
- Suitability requirements strictly enforced
4. Nevada Insurance Code and Regulations (15-20%)
Key Nevada Laws (NRS Title 57):
- Nevada Revised Statutes Chapter 688A (Life Insurance and Annuity Contracts)
- Nevada Revised Statutes Chapter 688B (Group Life Insurance)
- Unfair trade practices and claims settlement
- Replacement regulations
- Advertising guidelines
- Privacy requirements
Licensing Requirements:
- Pre-licensing education: 40 hours (20 hours per line of authority)
- Fingerprint-based background check required (IdentoGO, $60 fee)
- Apply within 1 year of passing exam
- License renewal every 3 years
Producer Responsibilities:
- Fiduciary duty to clients
- Needs analysis and suitability
- Disclosure requirements
- Premium handling requirements
- Reporting misconduct
5. Ethics and Market Conduct (10-15%)
- Fiduciary responsibilities
- Misrepresentation and fraud
- Rebating and inducements (prohibited)
- Twisting and churning
- Unfair discrimination
- Privacy and confidentiality
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Nevada Life & Health exam.
Nevada Pre-Licensing Education Requirements
Nevada requires completion of approved pre-licensing education before taking the licensing exam:
| Requirement | Details |
|---|---|
| Life Insurance | 20 hours |
| Health Insurance | 20 hours |
| Combined Life & Health | 40 hours total |
| Provider Approval | Must be Nevada DOI approved |
Exemptions Available:
- 10+ years employment with an insurer in underwriting or claims adjusting
- Licensed for 10 out of the last 15 years in another state
Contact the Nevada Division of Insurance at (775) 687-0700 to verify exemption eligibility.
Continuing Education Requirements
After licensure, maintain your Nevada insurance license with:
| Requirement | Details |
|---|---|
| CE Hours | 30 hours every 3-year license term |
| Ethics | 3 hours required |
| Reporting | Within 10 days of completion |
| Reporting Fee | $1.00 per credit |
Special Training Requirements:
- Long-Term Care: 8-hour initial course, then 4 hours every 2 years
- Annuities: One-time 4-hour Best Interest training (if licensed after Nov 15, 2024)
- Flood Insurance: One-time 3-hour NFIP course before selling flood insurance
CE Exemption: Producers continuously licensed 20+ years may qualify for exemption.
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Life insurance products and provisions | 15-20 |
| Week 2-3 | Health insurance and Nevada Health Link | 15-20 |
| Week 3-4 | Annuities and retirement products | 10-12 |
| Week 4-5 | Nevada regulations and ethics | 10-12 |
| Week 5-6 | Practice exams and review | 15-20 |
Total recommended study time: 65-85 hours
Nevada-Specific Exam Tips
1. Know Your Nevada Laws
The exam heavily tests Nevada-specific regulations:
- NRS Title 57 - Nevada insurance code
- Grace periods - 30 days individual, 31 days group
- Nevada Health Link - State exchange rules and enrollment periods
- DOI authority - Regulatory powers and enforcement
2. Master the Numbers
| Topic | Number to Remember |
|---|---|
| Grace period (individual) | 30 days |
| Grace period (group) | 31 days |
| Free look period | 10 days (30 for seniors) |
| Incontestability | 2 years |
| Pre-licensing education | 40 hours (L&H combined) |
| CE requirement | 30 hours/3 years |
| Passing score | 70% |
3. Understand Nevada Health Link
The state health insurance marketplace is critical exam content:
- Open Enrollment: November 1 - January 15
- Special Enrollment Periods for qualifying life events
- Battle Born State Plans (new 2026)
- Subsidy qualifications
- Metal tiers (Bronze, Silver, Gold, Platinum)
Exam Day Checklist
Before the Exam:
- Schedule at pearsonvue.com/nv/insurance
- Pay $49 exam fee (credit card, debit, or voucher)
- Complete 40 hours pre-licensing education
Day of Exam:
- Bring valid government-issued photo ID
- Arrive 30 minutes early for check-in
- Two online attempts allowed; unlimited in-person attempts
Online Testing Option: Nevada offers OnVUE online proctored exams from home. Requirements:
- Webcam and stable internet connection
- Quiet, private testing environment
- System check completed before exam day
Common Mistakes to Avoid
- Underestimating Nevada regulations - State-specific content is heavily tested
- Skipping health insurance - Equal weight to life insurance on the exam
- Ignoring annuity suitability - Nevada is strict on Best Interest requirements
- Not practicing with timed exams - Time management matters with 3+ hours
- Cramming - Spread study over 4-6 weeks for better retention
After Passing Your Exam
- Complete fingerprinting at IdentoGO ($60 fee) - Call 866-761-8069
- Apply for license through NIPR within 1 year of passing
- Pay license fee to Nevada DOI
- Affiliate with insurance company or agency
- Begin selling - Your license is valid for 3 years
Nevada Division of Insurance Contact:
- Carson City: 1818 E. College Parkway, Ste. 103, Carson City, NV 89706
- Las Vegas: 2501 East Sahara Avenue #302, Las Vegas, NV 89104
- Phone: (775) 687-0700 (option 2 for Licensing)
- Email: nevada.licensing@doi.nv.gov
2026 Nevada Updates
Key Changes for 2026:
- Battle Born State Plans (BBSPs) - New affordable health plan options on Nevada Health Link
- Premium increases - Average 26% increase expected for marketplace plans
- Best Interest standard - Annuity training requirements now in effect
- Enhanced consumer protections - Updated regulations for policy replacements
Start Your Nevada Insurance Career Today
The Nevada Life & Health license opens doors to one of the nation's most attractive insurance markets. With no state income tax and a growing population, Nevada offers excellent earning potential for insurance professionals.
Our free study materials include:
- Complete topic coverage aligned to exam content
- Practice questions with detailed explanations
- Nevada-specific regulations and requirements
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.