25 Free Nevada Life & Health Exam Practice Questions (2026)

Nevada tests Life and Accident and Health together as a combined exam of 159 items, 144 scored plus 15 unscored pretest items, in 3 hours 35 minutes for $47, delivered by Pearson VUE for the Nevada Division of Insurance. A scaled score of 70 passes. It is a score on a 0-100 scale that adjusts for differences in difficulty between exam forms, not a count of questions answered correctly, so no fixed number of misses fails you. The combined exam is given only at Pearson VUE test centers. Online proctoring through OnVUE offers only the single-line exams, so a candidate who wants to test online takes Life and Health as two separate exams at $37 each.

Pearson VUE's content outline for the combined exam has three parts. Life-General Knowledge has 50 scored items: Types of Policies 15, Life Provisions, Riders, Options and Exclusions 15, Completing the Application, Underwriting and Delivering the Policy 12, and Retirement and Other Insurance Concepts 8. Accident and Health-General Knowledge also has 50: Types of Policies 16, Policy Provisions, Clauses and Riders 15, Social Insurance 6, Other Insurance Concepts 5 and Field Underwriting Procedures 8. The Nevada-specific part has 44: 20 items on statutes common to all lines, 4 common to Life and Health only, 6 on Life only and 14 on Health only. Pearson VUE publishes the outline in two editions, effective October 1, 2024 and November 14, 2026, with identical item counts.

These 25 questions come from LanePrep's Nevada Life & Health quiz bank and sample across Chapters 1-8: 3 from Chapter 1, 3 from Chapter 2, 3 from Chapter 3, 3 from Chapter 4, 3 from Chapter 5, 6 from Chapter 6, 2 from Chapter 7, and 2 from Chapter 8. The eight-chapter grouping is LanePrep's, not Pearson VUE's: Chapters 2-4 teach the Life-General part, Chapters 5-6 the Accident and Health-General part, and Chapters 1, 7 and 8 the Nevada-specific part. Out of the 144 scored items the chapters are worth 20, 15, 15, 20, 16, 34, 10 and 14 in that order, so Chapter 6 on health policy provisions, underwriting and social insurance is the heaviest single chapter and supplies six of these questions. Each question shows its chapter, so a miss tells you exactly which chapter to go back to.

A few exam-day facts shape how you should practice. The exam includes 15 unscored pretest items on top of the 144 scored ones. They look like any other question but still use your time, so don't sink a long stretch into one you can't crack. If you fail, wait 24 hours before booking a retake at a test center. Online candidates on a single-line exam get two online attempts, and any further attempt has to be at a test center. To keep your fee, cancel or reschedule at least 48 hours before the exam.

A passing result stays usable for one year, because the exam must be passed within the year immediately before you apply for the license. Nevada does not require a pre-licensing course, and the Division of Insurance's own licensing page treats a course as optional preparation. Resident applicants are fingerprinted after they apply for the license, not before the exam; nonresidents are not fingerprinted. For perspective, the NAIC reports first-time pass rates on the combined exam of 54.8 percent in 2024 and 56.1 percent in 2025 for candidates who tested at test centers, about 55 to 56 percent in both years.

Work them before you read the answer. Every question has the explanation folded underneath it. Guessing first and reading second teaches more than reading first and agreeing.

Chapter 1 opens with the Commissioner of Insurance's authority when an insurer is suspected of unfair claims settlement practices, then asks which license a financial adviser needs when she charges a fee for life insurance advice but sells and solicits nothing, and what a corporation needs before it can act as a producer. Chapter 2 moves into life products: the whole life policy that offers a guaranteed premium and a guaranteed death benefit for life, and the age at which a traditional whole life policy matures.

Chapter 2 closes with what happens to the premium when a convertible term policy is converted to whole life. Chapter 3 then turns to riders and settlement options: the rider that protects a juvenile policy if the adult paying the premium dies or becomes disabled, the rider that pays an extra benefit when death results from an accident, and the option that pays a beneficiary a set amount until the money is gone. Chapter 4 begins with the acceptable way for a producer to correct a wrong date of birth on a life insurance application.

Chapter 4 continues with group and business uses of life insurance: the participation a non-contributory group plan requires, and who owns the policies when partners fund a buy-sell agreement through the business itself. Chapter 5 then opens the health side with a Business Overhead Expense policy and the expense it will not pay, what an accidental death and dismemberment policy pays for the loss of one limb, and the main tax advantage of a tax-qualified long-term care policy.

Chapter 6 is the heaviest chapter and supplies six of the 25 questions, the first five of them here. It starts with a producer who promises a benefit that is missing from the written policy, then covers what the Medical Information Bureau does, how a guaranteed renewable policy differs from a noncancelable one when premiums change, what a gatekeeper means in an HMO, and the tax cost of spending Health Savings Account money on a boat.

Chapter 6 ends with a major medical calculation: the most an insured can pay out of pocket under a deductible, coinsurance and a stop-loss limit. Chapter 7 on Nevada life insurance law asks what an insurer owes an applicant who wants a full refund on a new policy that is not a replacement, and what the Life Insurance Surrender Cost Index measures. Chapter 8 on Nevada health insurance law closes the set with when a newborn's coverage begins and what keeps it going, and what mental health parity requires of a plan with unlimited primary care visits.

Misjudging what the Commissioner can do and who needs a license. The Commissioner of Insurance can examine an insurer's financial affairs and business practices and, if violations are found, impose penalties or require corrective action. A warning only, a mandatory referral elsewhere and a mediation-only role are the distractors in question 1. Question 2 turns on what the person does, not what she sells: an adviser who charges a fee for insurance advice and neither sells nor solicits needs an insurance consultant license, not a producer or limited lines license. In question 3 the business entity itself must hold a producer license. Licensing its employees, registering the business or relying on the owner's license does not cover it.

Mixing up whole life variations and conversion premiums. Ordinary Whole Life carries a guaranteed death benefit, a guaranteed level premium for life and cash value. Limited-Pay and Single-Premium Whole Life compress the premium payments into fewer years or one payment, and Annually Renewable Term has no level premium to guarantee. A traditional whole life policy matures at a stated age, when the cash value equals the death benefit; question 5 asks for it. When a term policy is converted to whole life without proof of insurability, the new premium is based on the insured's attained age at conversion, not the age at which the term policy was bought, so it is significantly higher than the term premium.

Picking the nearest-sounding rider or settlement option. The Payor Benefit rider belongs on a juvenile policy: it waives the premium if the adult paying for the child's coverage dies or becomes disabled. A Waiver of Premium rider protects against the insured's own disability, and a Guaranteed Insurability rider is a right to buy more coverage later. The Accidental Death Benefit rider, also called double indemnity, pays an additional benefit, typically equal to the face amount, when death results directly from an accident. The Fixed Amount Option pays a set amount at regular intervals until the principal and interest are gone, so the number of payments depends on the amount chosen. The Fixed Period Option fixes the length of time instead, and the Life Income Option pays for as long as the person lives.

Getting the paperwork, the group plan and the buy-sell agreement wrong. An application error is never erased or covered with correction fluid: the producer draws a single line through it, inserts the correct information and has the applicant initial the change, not the producer. In a non-contributory group life plan the employer pays the whole premium, so the insurer requires every eligible employee to participate, which guards against adverse selection. A contributory plan sets a minimum participation percentage instead. In an Entity Purchase buy-sell agreement the business itself owns the policy on each partner, pays the premiums and is the beneficiary. Each partner owning a policy on the other is a cross purchase plan.

Expecting disability and long-term care products to pay for more than they cover. A Business Overhead Expense policy pays the actual costs of keeping a business running while the owner is disabled, such as rent, utilities and staff salaries, and it excludes the owner's personal lost income. In an AD&D policy the Principal Sum is paid for accidental death, while the Capital Sum, a percentage of the Principal Sum, is paid for dismemberment, so losing one arm pays that percentage and not the whole Principal Sum. Benefits from a tax-qualified long-term care policy are generally received free of federal income tax. Premiums may be deductible as a medical expense above a percentage of adjusted gross income, which is not full deductibility for every taxpayer, and the federal government does not pay part of the premium.

Believing a producer's verbal promise and misreading renewability. The Entire Contract provision makes the policy, with its endorsements and attached papers, the whole agreement. A benefit mentioned only in the sales presentation is not part of the contract, and no producer can change the policy by a spoken promise. The Medical Information Bureau is a central repository of coded medical information that helps insurers detect non-disclosure and misrepresentation. It does not set premium rates, store full medical records or promise that an applicant will be accepted. A Guaranteed Renewable policy must be renewed, but the insurer may raise premiums for an entire rating class, never for one insured alone. A Noncancelable policy does not allow the insurer to change the premium or the coverage.

Misreading managed care, HSAs and cost sharing. In an HMO that uses a gatekeeper, the insured chooses a Primary Care Physician who must provide a referral before a specialist visit. It is not a rule about deductibles, emergency-only coverage or free choice of any doctor. Money taken from a Health Savings Account for a non-qualified expense such as a boat is subject to ordinary income tax plus an additional penalty tax, waived only in limited cases such as the holder's age or disability. In the major medical calculation, check what the stop-loss limit caps. When it caps the coinsurance share, the insured pays the deductible first and then coinsurance up to the limit, so the maximum is the deductible plus the limit, not coinsurance on every dollar.

Applying the wrong free look. Nevada gives a new life insurance policy or annuity a free look of 10 days from delivery, during which the contract can be surrendered and the insurer will refund the premium (NRS 688A.165). A policy that replaces another gets a longer free look of 30 days, not a shorter one. In question 22 the policy is not a replacement and the request comes after the 10 days have run, so the insurer owes no refund. Question 23 asks what the Life Insurance Surrender Cost Index measures: the relative cost of a policy if it is surrendered at a future point, taking the time value of money into account. It is not the total premium paid, the guaranteed cash value at a given age or the probability of dying early.

Misjudging the Chapter 8 rules. A health insurance policy in Nevada must cover a newborn child from the moment of birth, not from hospital discharge, after a waiting period or after the first well-baby checkup. To continue coverage beyond the period the policy sets, the policyholder must notify the insurer of the birth and pay any required premium within that period. Mental health parity means visit limits on mental health benefits can be no more restrictive than the limits on medical and surgical benefits, so a plan with unlimited primary care visits must also provide unlimited outpatient mental health visits. NRS 687B.404 requires adherence to the federal mental health and addiction parity law but does not itself mandate coverage, so the answer rests on the parity principle, not on a Nevada visit count.

How did you score?

20 or more correct: You're clearing most of the outline across all eight chapters. Work the two deeper sets next: the Life insurance exam set and the Health insurance exam set, then read how to pass the Nevada Life & Health exam on the first try for the full study plan.

12-19 correct: You're getting a good share of it, but these 25 questions stand in for a combined exam of 144 scored questions. Note the chapter of every question you missed and replay that chapter's audio lesson before moving to the deeper sets above.

Under 12 correct: You need the material, not more questions yet. Start with the free preview at /nv/l-and-h/preview and work through the audio chapters in order before testing yourself again.

For the full cost picture beyond the exam fee, including the $185 state license fee, the 3-year license term and the 30 hours of continuing education each term (3 in ethics, with no carryover of excess hours), see how much a Nevada Life & Health license costs. The LanePrep Nevada Life & Health course preview is a click away whenever you're ready to go deeper.

Exam structure, fees, retake and cancellation rules and content outline item counts from Pearson VUE's Nevada Insurance Licensing Candidate Handbook (publication 122900, October 2024) and Nevada Insurance Content Outlines (publication 122903, 07/2026 edition); passing score and one-year validity from NAC 683A.270; license fee from NRS 680B.010 and NRS 680C.110; free-look periods from NRS 688A.165; pass rates from the NAIC compiled pass-rate workbooks for 2024 and 2025. Read October 2026.