Key Takeaways
- Nevada requires 20 hours of pre-licensing education per line (40 hours for combined Life & Health)
- The exam is administered by Pearson VUE with a scaled passing score of 80
- Life exam has 80 scored questions with a 120-minute time limit
- Digital fingerprinting and criminal history background check are REQUIRED
- License renewal requires 30 hours of CE every 3 years (unique among most states)
Nevada Life & Health Exam Overview
Welcome to OpenExamPrep's FREE Nevada Life & Health Insurance exam prep guide. This comprehensive resource covers Nevada-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed Life & Health producer.
About the Nevada L&H Exam
The Nevada Life & Health insurance examination is administered by Pearson VUE on behalf of the Nevada Division of Insurance. The exam tests your knowledge of:
- Nevada insurance law and regulations
- Life insurance principles and policy types
- Annuities and retirement products
- Health insurance including accident and sickness coverage
- Policy provisions and beneficiary designations
- Ethics and professional conduct
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Pearson VUE |
| Total Questions | 80 scored questions |
| Time Limit | 120 minutes (2 hours) |
| Passing Score | Scaled score of 80 |
| Exam Fee | $39 |
| Question Format | Multiple choice |
Note: Each exam covers two sections: general insurance knowledge and Nevada state-specific laws and regulations.
Pre-Licensing Education Requirements
Required Pre-License Education
Nevada requires pre-licensing education before taking the state exam:
| License Type | Required Hours |
|---|---|
| Life Only | 20 hours |
| Health Only | 20 hours |
| Combined Life & Health | 40 hours (20+20) |
Important: Candidates must satisfactorily complete an approved course of education in the fields of insurance for which they apply before being licensed. You need 20 hours of education for each line of insurance you wish to sell.
Education Requirements
| Requirement | Details |
|---|---|
| Provider | Must be Nevada-approved |
| Format | Online and classroom options available |
| Validity | Check with provider for course validity period |
Basic Qualifications
To obtain a Nevada insurance license, you must:
| Requirement | Details |
|---|---|
| Age | At least 18 years old |
| Residency | Nevada resident for resident license |
| Pre-License Education | Complete required hours |
| Fingerprinting | Digital fingerprinting REQUIRED |
| Background Check | Criminal history report required |
| Exam | Pass within 1 year of application |
Fingerprinting Requirements
Nevada requires digital fingerprinting and background checks:
| Item | Cost |
|---|---|
| Fingerprint-Based Background Check | $60 via IdentoGO |
| Exam Fee | $39 via Pearson VUE |
| Application Fee | $185 via Sircon |
License Application Process
Step-by-Step Process
-
Complete Pre-Licensing Education
- Complete 20-40 hours from approved provider
- Receive certificate of completion
-
Complete Fingerprinting
- Schedule through IdentoGO
- Pay $60 background check fee
- Fingerprints submitted to Nevada DPS
-
Schedule Your Exam
- Register with Pearson VUE
- Pay $39 exam fee
- Exam must be passed within 1 year of application
-
Take the Exam
- Arrive with valid government-issued photo ID
- Pass with scaled score of 80+
- Results available immediately
-
Apply for License
- Apply online through Sircon
- Pay $185 application fee
- Receive license from Nevada Division of Insurance
Total Costs
| Item | Cost |
|---|---|
| Pre-License Education | $150 - $400 |
| Background Check (IdentoGO) | $60 |
| Exam Fee | $39 |
| Application Fee | $185 |
| TOTAL | ~$435 - $685 |
License Maintenance & Continuing Education
CE Requirements - 3-Year Cycle (Unique!)
Nevada has a unique 3-year license renewal cycle:
| Requirement | Details |
|---|---|
| Total Hours | 30 hours every 3 years |
| Ethics | 3 hours required |
| Line-Specific | 27 hours must be in licensed lines |
| Renewal Date | First day of month following license issuance |
CE Rules
| Rule | Details |
|---|---|
| Carryover | NOT allowed |
| Repeat Courses | Cannot repeat within same renewal period |
| Certificate Exam | Must pass with 70%+ |
| Monitoring | Exams must be monitored by disinterested third party |
| Reporting Fee | $1.00 per credit hour |
Important Renewal Information
| Item | Cost |
|---|---|
| Renewal Fee | $185 per line of authority |
| Late Fee | $250 per line of authority |
| Renewal Window | 90 days prior to expiration |
Special Training Requirements
| Training | Requirement |
|---|---|
| Annuity Best Interest | One-time 4-hour course (effective Nov 15, 2024) |
| Long-Term Care Initial | One-time 8-hour training before selling LTC |
| Long-Term Care Ongoing | 4-hour training every triennial renewal |
| Flood Insurance | One-time 3-hour NFIP course for fire/casualty producers |
CE Exemptions
| Exemption | Requirements |
|---|---|
| 20-Year Veterans | 20+ years continuous experience as primary income source |
| Professional Designations | CLU, CPCU, CIC, ChFC, or CFP may qualify |
| Non-Residents | Exempt per NAIC CE Reciprocity agreement |
Nevada Division of Insurance Contact
Contact Information
| Resource | Details |
|---|---|
| Website | doi.nv.gov |
| Phone | (775) 687-0700 |
| Carson City Address | 1818 E. College Parkway, Suite 103<br/>Carson City, NV 89706 |
| Las Vegas Address | 2501 E. Sahara Avenue, Suite 302<br/>Las Vegas, NV 89104 |
Testing Information
Pearson VUE
- Website: www.pearsonvue.com/us/en/nv/insurance
- Phone: (800) 274-8906
- Exam Fee: $39
- Online scheduling available 24/7
Fingerprinting
IdentoGO
- Schedule fingerprinting appointment online
- Fee: $60
What This Guide Covers
This FREE study guide focuses on Nevada state-specific content:
Chapter 1: Nevada Insurance Regulation & Licensing
- Nevada Division of Insurance structure
- Producer licensing requirements
- Fingerprinting and background check process
- Disciplinary actions and prohibited practices
Chapter 2: Nevada Life Insurance Regulations
- Life insurance policy requirements
- Standard policy provisions
- Nevada Life & Health Insurance Guaranty Association
- Replacement regulations
Chapter 3: Nevada Health Insurance Regulations
- Health insurance requirements
- Individual and group health coverage
- Nevada Individual Health Insurance Market
- Long-term care insurance
Chapter 4: Nevada Ethics & Consumer Protection
- Agent and producer duties
- Unfair trade practices
- Claims handling standards
- Consumer protection laws
national Life & Health exam preparationFree exam prep with practice questions & AI tutor
Study Tips for Success
Recommended Study Timeline
| Week | Focus | Hours |
|---|---|---|
| Week 1 | National L&H principles (if not completed) | 15-20 hours |
| Week 2 | Pre-license education course | 20-40 hours |
| Week 3 | Nevada state law (this guide) | 10-15 hours |
| Week 4 | Practice exams and review | 10-15 hours |
| TOTAL | 55-90 hours |
Key Nevada Facts to Remember
- Passing Score: Scaled score of 80
- Pre-License Education: 20 hours per line (40 for combined)
- Testing Provider: Pearson VUE
- Fingerprinting: REQUIRED ($60)
- Application Fee: $185
- CE: 30 hours/3 years (unique cycle!)
- Renewal Fee: $185 per line
Good luck on your exam!
How many hours of pre-licensing education does Nevada require for a combined Life & Health license?
What is the passing score for the Nevada Life & Health insurance exam?
What is unique about Nevada's continuing education renewal cycle?
How much is the fingerprint-based background check fee in Nevada?
Who administers the Nevada insurance licensing exams?