How Much Does a Nevada Life and Health Insurance License Cost? (2026 Fees)

Getting a Nevada Life and Health insurance license costs $232 in state and exam fees if you pass the combined exam on your first attempt: $47 for the exam and $185 for the state license fee. Resident applicants are also fingerprinted, which carries a fingerprint vendor's charge; the Division of Insurance does not publish a current total for it, so this page does not put a number on it. There is no pre-licensing course sitting on top of that total, because the Division says one is not required. Your only other spending is optional exam preparation.

• Exam fee: $47 per attempt for the combined exam, $37 per attempt for each single-line exam
• State license fee: $185, plus any vendor transaction fees
• State and exam fees, first-attempt pass with the combined exam: $232
• Fingerprinting: required for resident applicants; the vendor's charge is not included in the $232
• Pre-licensing course: none required
• Exam preparation: optional, $0 to $79 for a focused course
• Continuing education: 30 hours every 3 years, including 3 ethics hours

1. Exam Fee, $47 Combined or $37 Per Single-Line Exam

Paid to Pearson VUE, the Nevada Division of Insurance's contracted exam vendor, when you register. The combined Life and Health exam is $47. The Life exam and the Health exam are $37 each. The fee is paid again for every attempt, and it is refunded or moved to a new appointment only if you change or cancel at least 48 hours before the exam; otherwise you forfeit it.

2. State License Fee, $185

Charged by the Nevada Division of Insurance for a producer license, the same for resident and nonresident applicants. The $185 is two statutory fees added together: $125 for the application and license under NRS 680B.010(5)(a), plus $60 under NRS 680C.110(4)(d), a fee for producers of insurance that is charged in addition to the NRS 680B fees. The Division's own producer page states the total: "The State licensing fee is $185. The vendor may charge transaction fees in addition to the state fee." All fees paid to the Division are nonrefundable once processed; the $60 is deposited in the Fund for Insurance Administration and Enforcement and is not refundable (NRS 680C.110(3)).

3. Fingerprints for Resident Applicants

Every resident producer applicant is fingerprinted as part of the license application (NRS 683A.251). The prints are taken after the application is submitted, by a Division-approved vendor, and they are valid for 1 year. LiveScan digital fingerprinting is the standard method, the vendor sets its charge, and the Division does not publish a current total for it, so check the price with the vendor you choose. The only fingerprint figure the Division publishes is for the fallback: a traditional ink hard card costs $40, paid to the Department of Public Safety, and it is accepted only for out-of-state applicants or when LiveScan prints are rejected. Nonresident producer applicants are not fingerprinted.

4. Small Fees You May Never Pay

Adding one or more lines of authority to a license costs $50 (NRS 680B.010(5)(e); the Division's page quotes the same figure). A temporary license costs $10 (NRS 680B.010(5)(d)). Neither is part of the $232 total above.

Every attempt costs the exam fee again, win or lose: $47 for the combined exam, or $37 for whichever single-line exam you retake. A retake is the whole exam again, and the $185 state license fee is a one-time cost that a retake does not repeat.

At a test center, the Candidate Handbook requires a wait of 24 hours before you make the reservation for a retake. A single-line exam taken through OnVUE allows two online attempts, and any attempt after that must be taken at a Pearson VUE test center. Change or cancel any appointment at least 48 hours ahead, or you forfeit that attempt's fee. For the content outline, the biggest exam-day mistakes, and a study plan built around them, see how to pass the Nevada Life and Health exam on the first try.

Nevada does not require a pre-licensing course for the Life line or the Health line. The Division of Insurance says so on its current producer page: "While prelicensing education is not required, individuals may choose to prepare for their licensing exam by taking a course of education in the fields of insurance for which they apply." There is no course fee to budget, no classroom-hour minimum, and no completion certificate to produce before you register for the exam or file your license application.

One thing can look like a contradiction. Nevada's administrative code still contains detailed rules for Division-approved prelicensing courses (NAC 683A.170 through 683A.261), and the Division's own page links to a list of approved courses as an optional study aid. LanePrep follows the Division's current statement: a course is optional. Fingerprinting is a separate matter: resident applicants are fingerprinted after they apply, and that vendor charge belongs in your budget.

Once licensed, Nevada requires 30 hours of Division-approved continuing education within each 3-year period before renewal, including 3 hours of ethics (NAC 683A.330(1)). The hours must relate to the line or lines of insurance you hold. Hours earned beyond the 30 do not carry forward to the next renewal period (NAC 683A.355(2)), and you should keep each certificate of completion for 4 years. Some licensees qualify for an exemption, listed in NAC 683A.330. This guide does not quote a dollar figure for continuing education courses; compare approved providers as your renewal period approaches.

Renewal itself is $185 every 3 years in state fees, the same two-part fee as the original license: $125 under NRS 680B.010(5)(c) plus $60 under NRS 680C.110(4)(d). The license term is 3 years: the renewal date is the last day of the month 3 years after the month the license was originally issued, and 3 years after each renewal (NRS 683A.261(10)). A late renewal within 30 days of the renewal date adds 50 percent of the applicable renewal fees (NRS 683A.261(3)). If a license lapses, you can reinstate it within 12 months after the renewal date without passing the exam again, but only if you complete all applicable continuing education and pay a penalty of twice all applicable fees (NRS 683A.261(6)). Both penalties exclude the $60 fee under NRS 680C.110, so this guide does not turn either one into a dollar amount.

Exam preparation is the one cost on this page you fully control.

$0, the free stack. Pearson VUE publishes the content outline for the Nevada exams, with the scored and pretest item count of every section, and its Nevada Insurance Licensing Candidate Handbook explains the format, fees, scoring and scheduling rules. Together they tell you what is tested, not how the material works or how Nevada law applies to it.

$14.99 to $79, a focused exam-prep course. LanePrep's Nevada Life and Health course is nine audio chapters built from Pearson VUE's own content outline, with a chapter quiz after every chapter. It costs $14.99 per month or $79 once as a one-time purchase. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either option.

Three realistic budgets for an individual resident applicant. Each one is in state and exam fees; the fingerprint vendor's charge comes on top of every scenario.

Pass the combined exam on the first attempt: $232 plus preparation

• Exam fee $47
• State license fee $185
• Fingerprinting: required for residents, vendor's charge extra
• Preparation: free stack ($0), one month of LanePrep ($14.99), or the one-time option ($79)

Fail once, pass on the second attempt: add one more exam fee

• Exam fees $47 per attempt, so $94 across two attempts
• State license fee $185, paid once
• Fingerprinting: required for residents, vendor's charge extra
• Preparation: as above, with a re-drill of the questions you missed

Two single-line exams instead of the combined one: $74 versus $47

• Life $37 plus Health $37, so $37 + $37 = $74 in exam fees, versus $47 for the combined exam
• State license fee $185, paid once
• Why you might: OnVUE online proctoring offers only the single-line exams, so this is the route for testing from home

A retake adds the exam fee again, $47 for the combined exam, with no license fee repeated. If you take the two single-line exams, each is its own $37 fee for every attempt.

For most self-directed candidates the cost-optimal path is:

1. Prepare from a course built for this exam's outline specifically, whichever of the exam options you plan to take.
2. Schedule and pass the exam through Pearson VUE, at a test center or, for the single-line Life and Health exams, online through OnVUE.
3. Apply to the Division of Insurance within 1 year of passing (NAC 683A.270), pay the $185 state license fee, and, if you are a resident applicant, have your fingerprints taken by a Division-approved vendor.

LanePrep covers step 1: nine audio chapters built from the Nevada content outline, each with its own quiz, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exam itself, the outline, and a study plan, read how to pass the Nevada Life and Health exam on the first try.

Fees come from Pearson VUE's Nevada Insurance Licensing Candidate Handbook and content outlines, the Nevada Division of Insurance's producer licensing and fingerprint pages, NRS 680B.010, 680C.110, 683A.251 and 683A.261, and NAC 683A.270, 683A.330 and 683A.355. Read October 2026.