Nevada Life & Health Insurance Exam: Full Breakdown

The Nevada Life and Health insurance exam is your gateway to a Nevada insurance career. Because Nevada doesn't require prelicense education, the exam is essentially the only barrier between you and licensure — which makes preparation even more important. Walking in unprepared because Nevada doesn't require formal study is one of the biggest mistakes new candidates make.

Here's the complete breakdown of the Nevada Life and Health insurance exam.

Who Administers the Exam

Nevada insurance licensing exams are administered by Pearson VUE on behalf of the Nevada Division of Insurance (DOI). You register and schedule through Pearson VUE's website (pearsonvue.com/nv/insurance), and Nevada offers both physical test centers and online proctored testing options.

Where You'll Take the Exam

If you choose physical testing, Pearson VUE operates testing centers in:

Las Vegas (multiple locations)

Henderson

Reno

Carson City

Other regional centers throughout Nevada

Most candidates find appointments within 1-2 weeks of booking. You can also take the exam online with proper equipment and environment.

Nevada Exam Structure

Nevada offers exams for various lines of authority:

The combined Life and Health Producer exam is most common for new agents pursuing life and health careers.

Passing score: 70% on every Nevada insurance license exam.

Exam fees:

$55 for single-line exams

$65 for combo exams

Choosing the Right Exam

If you're pursuing a combined Life and Health license, you have options:

Take the combined Life and Health exam. Single exam covering both content areas. Most efficient path.

Take Life and Health exams separately. Two separate exams. Allows you to focus on one content area at a time but doubles exam fees and scheduling.

For most candidates, the combined exam is the practical choice.

The Two-Section Format

Nevada exams have two sections:

General Knowledge. Insurance principles applicable in any state. Concepts like risk management, contract law, life insurance products, health insurance plans, and federal regulations.

State Law. Nevada-specific insurance laws, rules, regulations, and practices unique to Nevada.

Important note: Even though the exam has two sections, you receive a single combined score. Both sections together determine your pass/fail status.

Major Content Areas — General Knowledge

The General Knowledge section covers:

General Insurance Concepts. Risk and insurance principles, insurable interest, contract law basics, agent authority, regulatory framework.

Life Insurance Basics. Types of life insurance (term, whole, universal, variable), how each works, cash value, dividends, and the purposes life insurance serves.

Life Insurance Policies, Provisions, and Riders. Grace periods, reinstatement, incontestability, beneficiaries, policy loans, settlement options, and common riders.

Annuities. Fixed, variable, immediate, deferred. Accumulation and payout phases. Tax treatment. Suitability.

Accident and Health Insurance Basics. HMOs, PPOs, POS, EPOs. Individual vs. group coverage. Plan funding structures.

Accident and Health Policies and Provisions. Deductibles, coinsurance, copayments, out-of-pocket maximums, coordination of benefits, pre-existing condition rules.

Medical Plans and Specialized Coverage. Medicare, Medicaid, long-term care insurance, disability income insurance.

Federal Regulation. HIPAA, ERISA, ACA provisions, and federal rules affecting insurance.

Major Content Areas — Nevada State Law

The State Law section covers:

Nevada Insurance Code. NRS Chapter 683A producer regulations, NAC 683A administrative rules.

Nevada Licensing Requirements. Residency, age, application requirements, fingerprinting, lines of authority.

Producer Conduct Standards. Honest representation, fiduciary duty, disclosure requirements, documentation.

Nevada Unfair Trade Practices. Misrepresentation, twisting, churning, rebating, defamation, coercion, intimidation, unfair discrimination.

Nevada Replacement Rules. Notice Regarding Replacement, comparison information, conservation period requirements.

Nevada Senior Protection. Enhanced standards for senior client transactions.

Nevada Annuity Best Interest Standard. Recently implemented (effective November 15, 2024).

Nevada Long-Term Care Requirements. Specific LTC training and disclosure requirements.

Nevada Continuing Education. 30 hours every 3 years, 3 hours ethics.

Nevada DOI Authority. Powers and procedures of the Division.

What's Weighted Heaviest

The most heavily weighted sections on the Nevada exam typically include:

Life insurance policies and provisions

Accident and Health policies and provisions

Nevada-specific laws (typically 15-25% of exam)

Annuities

Medicare and specialized coverage

Strong performance in these areas is often the difference between passing and failing.

What to Expect on Test Day at a Physical Center

Arrive at least 30 minutes early at your Pearson VUE testing center.

Bring two valid forms of identification. Both must be current and contain your name. The primary must be government-issued and photo-bearing with a signature. The secondary must contain a valid signature. Identification must be in English.

No phones, notes, books, or study materials in the testing room.

Scratch paper and pencil are typically provided.

On-screen calculator is available for basic math.

Results appear immediately after you submit. You'll receive a printed score report marked "pass" or "fail."

After the exam, you can log into your Pearson VUE account to obtain a diagnostic report indicating your strengths and weaknesses on the exam.

What to Expect with Online Proctored Testing

Nevada's online testing option requires specific setup:

Pre-exam system check. Test your equipment well before exam day.

Quiet, private testing environment. No other people in your room. Clear desk surface (no objects).

No phone, headphones, or wristwatch on you during the exam.

No food, chewing gum, or tobacco products. Beverages are permitted.

Webcam required. A third-party proctor monitors you throughout the exam via live chat.

Reliable internet connection. Disconnections during the exam can cause issues — though if technical issues occur, the proctor resolves them in real time. If unresolvable, the proctor files a case and Pearson VUE will reschedule with reimbursement or voucher.

Government-issued photo ID. Same requirement as physical centers.

One attempt per exam. Candidates taking online exams are allowed only one attempt per exam.

Taking the Exam: Navigation

Pearson VUE's testing interface allows you to:

Navigate forward and backward through questions

Flag questions to revisit later

Review flagged questions before submitting

See remaining time on screen

Time Management

For the combined Life and Health exam (150+ questions, 2h 40m - 3h 35m), you have approximately 1-1.5 minutes per question. Most prepared candidates finish with time to spare.

Strategy:

Answer confidently known questions quickly

Flag uncertain questions and move on

Return to flagged questions after completing the rest

Review your answers if time permits

Never leave questions blank — guess rather than skip

After the Exam

If you pass: Your result reports electronically to the Nevada DOI. You can submit your license application through Sircon or NIPR.

If you fail: You receive a diagnostic report showing weak content areas. Use this for diagnostic purposes. You can retake the exam — pay a new fee and schedule again.

5 Frequently Asked Questions

• How many questions are on the Nevada Life and Health combined exam? 150+ questions. You have between 2 hours 40 minutes and 3 hours 35 minutes to complete them depending on the specific exam.
• What's the passing score? 70% on Nevada insurance license exams. The 80% figure occasionally cited isn't accurate — Nevada uses 70%.
• Can I take the Nevada insurance exam online from home? Yes. Nevada offers online proctored testing through Pearson VUE as an alternative to physical test centers. Note that online exam takers are allowed only one attempt per exam.
• How much do Nevada insurance exams cost? $55 for single-line exams and $65 for combo exams.
• Is prelicense education required before taking the Nevada exam? No. Nevada doesn't require prelicense education. However, taking a quality exam prep course is highly recommended given the exam's challenging content.

Walk Into the Nevada Exam Prepared

Knowing what to expect removes half the stress. At JustInsurance, our Nevada exam prep course is built around the Nevada exam content outline — including the Nevada-specific laws and recent regulatory changes (like the November 2024 annuity Best Interest training requirements).

Enroll today and prepare for the Nevada exam the right way.