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 | $47 (combined Life & Health) |
| Pre-licensing Education | Not required (recommended) |
| Score Validity | 1 year (apply within 1 year of passing) |
| License Fee | $185 (paid to NV DOI via Sircon) |
| Fingerprinting | Required (~$60 through approved vendor) |
| License Term | 3 years (renew by first of month following issue date) |
Individual Line Exams:
- Life Insurance: 90 questions (80 scored + 10 pretest), 2 hours, $37
- Health Insurance: 98 questions (88 scored + 10 pretest), 2 hours 15 minutes, $37
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
Total Cost to Get Licensed in Nevada
| Cost Component | Amount |
|---|---|
| Combined L&H exam fee (Pearson VUE) | $47 |
| Fingerprinting and background check | ~$60 |
| Nevada license application fee (DOI) | $185 |
| Optional exam prep course | $150–$500 |
| Estimated total (without prep course) | ~$292 |
| Estimated total (with prep course) | ~$442–$792 |
Note: If you fail the exam, you must pay the exam fee again for each retake. Complete your preparation before scheduling to avoid extra costs.
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Key Topics Covered on the Exam
The Pearson VUE content outline for the combined Life & Health exam breaks down as follows (144 scored questions):
| Content Area | Scored Questions | Pretest | % of Combined Exam |
|---|---|---|---|
| Life General Knowledge | 50 | 5 | 35% |
| Accident & Health General Knowledge | 50 | 5 | 35% |
| NV Statutes Common to All Lines | 20 | — | 14% |
| NV Statutes Common to L&H Only | 4 | — | 3% |
| NV Statutes Pertinent to Life Only | 6 | — | 4% |
| NV Statutes Pertinent to Health Only | 14 | — | 10% |
| Total | 144 | 15 | 100% |
Life General Knowledge subtopics: Types of Policies (15), Provisions/Riders/Options/Exclusions (15), Application/Underwriting/Delivery (12), Retirement and Other Insurance Concepts incl. annuities (8).
Accident & Health General Knowledge subtopics: Types of Policies (16), Policy Provisions/Clauses/Riders (15), Social Insurance (6), Other Insurance Concepts (5), Field Underwriting Procedures (8).
1. Life Insurance General Knowledge (35% — 50 scored + 5 pretest)
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 replacement policies) |
| 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. Accident & Health General Knowledge (35% — 50 scored + 5 pretest)
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 and Retirement (part of Life General Knowledge — 8 scored questions, ~6% of combined exam)
- 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:
- Producers licensed on or after November 15, 2024 must complete a one-time 4-hour Best Interest course before selling annuities
- Producers licensed before November 15, 2024 must complete a one-time 1-hour Best Interest update course by May 14, 2025
- Free look period (10 days non-replacement, 30 days replacement) applies to annuity contracts (NRS 688A.165)
- Suitability requirements strictly enforced
4. Nevada Laws and Regulations (30% — 44 scored questions)
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: Not required by Nevada DOI (recommended but optional)
- Fingerprint-based background check required (approved vendor, ~$60 fee)
- Apply within 1 year of passing exam
- License fee: $185 (paid through Sircon)
- 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 (tested under Nevada Laws)
- 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 (Not Required, But Recommended)
Unlike most states, Nevada does NOT require pre-licensing education to sit for the insurance exam. The Nevada Division of Insurance states: "While prelicensing education is not required, individuals may choose to prepare for their licensing exam by taking a course of education."
This makes the exam itself the primary barrier between you and licensure — which is why thorough preparation is critical. Candidates who skip prep courses often underestimate the difficulty.
| Option | Details |
|---|---|
| Pre-licensing Education | Not required by Nevada DOI |
| Exam Prep Courses | Strongly recommended (self-study or classroom) |
| Course Providers | Available at Sircon.com (Nevada DOI-approved listings) |
| Typical Course Cost | $150–$500 depending on provider and format |
Why take a prep course anyway? Nevada's exam covers a broad range of national insurance concepts plus 44 Nevada-specific law questions (30% of the combined exam). A structured course aligned to the Pearson VUE content outline gives you the best chance of passing on your first attempt.
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 |
| Renewal Fee | $185 + $1 per credit hour filing fee ($215 total) |
| Renewal Deadline | First of month following license issue date, every 3 years |
Special Training Requirements:
- Long-Term Care: 8-hour initial course, then 4 hours every 2 years
- Annuities (new licensees after Nov 15, 2024): One-time 4-hour Best Interest course before selling
- Annuities (existing licensees before Nov 15, 2024): One-time 1-hour Best Interest update (due May 14, 2025)
- Flood Insurance: One-time 3-hour NFIP course before selling flood insurance
CE Exemption: Producers continuously licensed 20+ years, or holding CLU, CPCU, CIC, ChFC, or CFP designations, may qualify for exemption (NAC 683A.330).
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: 70-110 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 replacements) |
| Incontestability | 2 years |
| Suicide clause | 2 years |
| Reinstatement | 3 years |
| Pre-licensing education | Not required (recommended) |
| CE requirement | 30 hours/3 years |
| Passing score | 70% |
| Exam fee (combined) | $47 |
| License fee | $185 |
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 $47 exam fee (credit card, debit, or voucher)
- Complete an optional (but recommended) exam prep course
Day of Exam:
- Bring two valid forms of government-issued ID (one with photo)
- Arrive 30 minutes early for check-in
- Two online attempts allowed; subsequent attempts at a physical test center (24-hour wait before re-scheduling)
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 law questions make up 30% of the combined exam
- 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 through an approved vendor (~$60 fee) — effective August 1, 2025, bring the Fingerprint Authorization Form (downloaded from Sircon/NIPR after submitting your application) to an approved fingerprint vendor
- Apply for license through Sircon or NIPR within 1 year of passing
- Pay $185 license fee to Nevada DOI (plus vendor transaction fees)
- Upload your signed Fingerprint Background Waiver Form and fingerprint receipt to your application
- Affiliate with an insurance company (Nevada requires appointment by an insurer)
- 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
- Email: insinfo@doi.nv.gov
- Website: doi.nv.gov
2026 Nevada Updates
Key Changes for 2026:
- Battle Born State Plans (BBSPs) - New affordable health plan options on Nevada Health Link, available statewide with premium reduction targets
- Premium increases - Average 26% increase approved for Nevada Health Link marketplace plans for 2026
- SB292 Medigap expansion - Effective January 1, 2026, people with ALS or kidney disease can now buy Medicare supplement (Medigap) plans at standard rates
- Best Interest standard - Annuity training requirements in effect since November 15, 2024 (4-hour course for new licensees, 1-hour update for existing)
- Fingerprinting process change - Effective August 1, 2025, applicants must bring a Fingerprint Authorization Form to an approved vendor
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.
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