How to Pass the Nevada Life and Health Insurance Exam on the First Try (2026)

Nevada gives you a choice to make before you register: sit a single combined Life and Health exam, or split it into two separate exams, Life and Health (the Nevada program calls the second one Accident and Health). All three are administered by Pearson VUE under contract to the Nevada Division of Insurance, which retained Pearson VUE to develop and administer its insurance licensing examination program.

Item	Life	Health	Combined
Scored items	80	88	144
Unscored pretest items	10	10	15
Items administered	90	98	159
Time limit	2 hours	2 hours 15 minutes	3 hours 35 minutes
Passing score	Scaled 70	Scaled 70	Scaled 70
Fee per attempt	$37	$37	$47

The passing mark is a scaled score of 70, not a raw percentage of correct answers. NAC 683A.270 says an applicant "must attain a score of 70 or more on the appropriate licensing examination," and Pearson VUE's Candidate Handbook explains that Nevada uses a scaled cut of 70 on a scale of 0 to 100, with scores equated across exam forms of different difficulty. Because of that equating, the number of questions you need to get right is not a fixed share of the exam. The pretest items are trial questions that do not count toward your result, so answer every item as if it counts.

The fee is $47 for the combined exam and $37 for each single-line exam. A candidate who wants both lines registers once and sits once with the combined exam, which gives you 3 hours 35 minutes for 144 scored items, while two single-line exams are two separate $37 fees and two sittings. Choose a single-line exam only if you truly need one line, or if you want to test from home.

That second reason depends on where you test. Every exam is offered at Pearson VUE test centers. Online proctoring through OnVUE is offered for the two single-line exams only: Life (2 hours, $37) and Health (2 hours 15 minutes, $37). The combined exam is not on the OnVUE list, so a candidate who wants to test from home sits Life and Health separately. Online, a live proctor watches through your webcam and microphone, you photograph your ID, your testing space and yourself before you start, and a U.S. military ID is not accepted. Read Pearson VUE's OnVUE rules ahead of time so a setup problem does not catch you on exam day.

Pearson VUE's Nevada Insurance Content Outlines publication prints the exact number of scored items in every section. The combined exam's 144 scored items fall into three parts: 50 on Life general knowledge, 50 on Accident and Health general knowledge, and 44 on a single unified section of Nevada law. The publication contains the edition effective October 1, 2024 and the edition effective November 14, 2026; the item counts are identical in both, so the table below holds for either.

Part and section	Items
Life general knowledge	50
I. Types of Policies (whole life, universal, variable and indexed life, term life, annuities, combination plans)	15
II. Life Provisions, Riders, Options, and Exclusions	15
III. Completing the Application, Underwriting, and Delivering the Policies	12
IV. Retirement, and Other Insurance Concepts	8
Accident and Health general knowledge	50
I. Types of Policies (disability income, AD&D, medical expense, Medicare supplement, group, long-term care, other)	16
II. Policy Provisions, Clauses, and Riders	15
III. Social Insurance (Medicare, Medicaid, Social Security)	6
IV. Other Insurance Concepts	5
V. Field Underwriting Procedures	8
Nevada-specific law (one unified section for both lines)	44
I. Nevada statutes and codes common to Life, Health, Property, and Casualty insurance	20
II. Nevada statutes and codes common to Life and Health insurance only (credit life and health, group life and health, advertising)	4
III. Nevada statutes and codes pertinent to Life insurance only (replacement, disclosure and the Buyer's Guide, fraternals, the 10-day free look, viaticals)	6
IV. Nevada statutes and codes pertinent to Health insurance only (mandatory policy clauses, mental health parity, reconstructive surgery, hospice care, Medicare supplement, Medicare Advantage and Part D regulation, long-term care)	14

The Nevada part is 44 of the 144 scored items, and its largest sub-section is the 20 items on statutes common to all lines: definitions, licensing for the different kinds of producer, obtaining, renewing and terminating a license, marketing and unfair trade practices, and the Nevada Life and Health Insurance Guaranty Association. Every sub-topic in the Nevada part carries its own citation printed in the outline, such as NRS 683A.321 for obtaining a license, NRS 683A.261 for renewal and continuing education, NRS 686A.060 for replacement and NRS 688A.165 for the 10-day free look. Do not treat Nevada law as a short add-on at the end of your study plan.

LanePrep groups the 144 scored items into eight content chapters plus an exam-day chapter. Chapters 1, 7 and 8 cover the 44 Nevada items (20, 10 and 14), Chapters 2 to 4 cover the 50 Life items (15, 15 and 20), and Chapters 5 and 6 cover the 50 Accident and Health items (16 and 34). That grouping is our own arrangement of Pearson VUE's sections, not the outline's.

If you take a single-line exam instead, the Life exam has 50 general-knowledge items and 30 on Nevada law, and the Health exam has 50 general-knowledge items and 38 on Nevada law.

Nevada does not require a pre-licensing course to sit for the Life or Health producer exam. The Division of Insurance says so in its own words on its current producer licensing 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."

One trap: Nevada's administrative code still contains a detailed set of rules for Division-approved prelicensing courses (NAC 683A.170 through 683A.261), including a list of exemptions, and read in isolation it can sound as if a course were mandatory. The Division's own page instead links to a list of approved courses as an optional study aid. LanePrep follows the Division's current statement: a course is optional, and you do not need one to register for the exam.

Fingerprints are a separate question, and they are required. Every resident producer applicant must submit to a fingerprint-based criminal-history background check as part of the license application (NRS 683A.251), not before sitting the exam. The prints are taken after the application is submitted, by a Division-approved vendor, usually by LiveScan, and they are valid for 1 year. Nonresident producer applicants are not fingerprinted.

No requirement also means no classroom pacing you through the outline above. A course built directly from Pearson VUE's own outline, in the same proportions the exam uses, is the fastest way to replace the structure a pre-licensing class would have given you.

NAIC's compiled pass-rate data for English-language, first-time Nevada candidates shows the combined exam passing more often than Life and less often than Health in both years.

Exam	2024	2025
Life	47.6%	52.7%
Health	59.0%	58.2%
Combined	54.8%	56.1%

The Life and Health rows combine in-person and online candidates. The combined row counts in-person candidates only, because the combined exam is a test-center exam: NAIC shows no remote combined candidates in 2024 and a single one in 2025, too few to treat as a rate.

The combined exam held at about 55 to 56 percent across the two years, a rise of 1.3 points. Life rose from 47.6 to 52.7 percent, while Health stayed essentially flat. Either way, a large share of first-time candidates do not pass on a given attempt. That is the baseline a real study plan has to beat.

At a Pearson VUE test center, the Candidate Handbook's rule for a retake is a wait of 24 hours before you make the reservation; reservations for re-examination are not made at the test center itself.

Online testing works differently. A single-line exam taken through OnVUE allows two online attempts; any attempt after that has to be taken at a Pearson VUE test center.

Every attempt is a new fee, $47 for the combined exam or $37 for a single-line exam, and a retake is the whole exam again, not just the part you missed. To change or cancel an appointment without forfeiting the fee, do it at least 48 hours before the exam.

The LanePrep Nevada Life and Health course is nine audio chapters built from the combined exam's outline, each with its own quiz. The scored-item counts below are out of 144.

Week 1, Nevada Law (Chapters 1, 7 and 8, 44 items together)

• Days 1-3: Chapter 1, Nevada Licensing and Law Common to All Lines (20 items, free)
• Days 4-5: Chapter 7, Nevada Law Common to Life and Health, and Life Law (10 items)
• Days 6-7: Chapter 8, Nevada Health Insurance Law (14 items)

Week 2, Life Insurance (Chapters 2-4, 50 items together)

• Days 8-9: Chapter 2, Life Policy Types (15 items)
• Days 10-11: Chapter 3, Life Provisions, Riders, Options and Exclusions (15 items)
• Days 12-14: Chapter 4, Applications, Underwriting, Delivery and Retirement Concepts (20 items)

Week 3, Accident and Health and Exam Day (Chapters 5, 6 and 9)

• Days 15-16: Chapter 5, Accident and Health Policy Types (16 items)
• Days 17-19: Chapter 6, Health Provisions, Social Insurance, Other Concepts and Field Underwriting (34 items)
• Day 20: Chapter 9, Exam Day (free), then a timed run through every chapter quiz in one sitting
• Day 21: Re-drill the questions you missed and re-listen to your weakest chapter
• Day 22: Rest the day before your exam

Take the chapter quiz right after each listen and write down which questions you missed. Two days later, before starting the next chapter, answer those same questions again cold. If you are testing on a single line instead of the combined exam, drop the general-knowledge chapters for the line you are not testing (Chapters 2-4 are Life, Chapters 5-6 are Accident and Health) and keep the Nevada law chapters, since each single-line exam still carries its own Nevada section, 30 items on Life and 38 on Health. Chapters 1 and 9 are free at /nv/l-and-h/preview, full audio and the chapter quiz, no signup. The full course is at /nv/l-and-h.

Mixing up the 10-day free look with the 30-day replacement window. Under NRS 688A.165(1), a life policy, annuity or pure endowment can be surrendered for a refund of any premium during 10 days from the date it is delivered. For a replacement contract or policy, NRS 688A.165(2) gives 30 days after delivery. Nevada's replacement window is the longer one, which reverses a pattern you may have met in other study materials, where replacement gets the shorter window. Learn both numbers and which situation each belongs to; the outline puts replacement (NRS 686A.060) and the 10-day free look in the same Life-only sub-section.

Assuming a shorter license term or a carry-forward of CE hours. A Nevada producer license runs for 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)). Continuing education is 30 hours within the 3-year period before renewal, 3 of them in ethics (NAC 683A.330(1)), and hours earned beyond the 30 do not carry forward to the next renewal period (NAC 683A.355(2)).

Flattening the guaranty association limits. The Nevada Life and Health Insurance Guaranty Association (NRS Chapter 686C) does not use one figure. Under NRS 686C.210(1), per life, life insurance death benefits are covered up to $300,000, with no more than $100,000 of net cash surrender and withdrawal value; annuity benefits up to $250,000 in present value; and health insurance in tiers: $100,000 for coverages other than disability income, health benefit plans or long-term care, $300,000 for disability income or long-term care insurance, and $500,000 for health benefit plans. NRS 686C.210(2) also caps the total per life at $300,000 excluding health benefit plans or $500,000 including them. Do not confuse this fund with the Nevada Insurance Guaranty Association, a different fund under NRS Chapter 687A that covers property and casualty insurance.

Reading the passing score as a share of correct answers. The passing mark is a scaled score of 70 (NAC 683A.270), and Pearson VUE equates scores across exam forms of different difficulty. A practice score is a rough guide, not a prediction: because the real exam is scaled, the number of correct answers that reaches 70 can differ from one form to the next. Aim to be comfortable in all three parts of the outline rather than to hit a target percentage.

Passing is the halfway point, not the finish line.

Bring two forms of current signature ID. The primary ID must be government-issued, with your photo and signature: a driver's license, a U.S. passport or passport card, a military ID, a national, state or country ID card, or a learner's permit with photo. The secondary ID must bear a valid signature: a Social Security card, a debit or credit card, or any item from the primary list. Expired IDs are not accepted and there are no grace periods. If you test online through OnVUE, a U.S. military ID is not accepted. To change or cancel an appointment without forfeiting the fee, do it at least 48 hours ahead.

You must apply for your license within 1 year of passing. NAC 683A.270 says "The examination must have been successfully completed within 1 year immediately preceding the date of application for the license," and the Division's producer page repeats it: pass the Nevada Insurance Producer exam within one year before you apply. A passing score that sits unused past that point means sitting the exam again.

Resident applicants are fingerprinted after the application is submitted, by a Division-approved vendor, as part of the background check in NRS 683A.251; nonresident producer applicants are not. The state license fee is $185, made up of $125 under NRS 680B.010(5)(a) and $60 under NRS 680C.110(4)(d), and in the Division's words "the vendor may charge transaction fees in addition to the state fee." With the $47 combined exam fee, that is $232 in state and exam fees for a first-attempt pass, before the separate fingerprint vendor charge. After you are licensed, renewal comes every 3 years with 30 hours of continuing education, 3 of them in ethics. For the full cost breakdown, including what a retake adds and where LanePrep fits into the budget, see how much a Nevada Life and Health license costs.

Exam structure, fees and the content outline come from Pearson VUE's Nevada Insurance Licensing Candidate Handbook and Nevada Insurance Content Outlines, the Nevada Division of Insurance's producer licensing and fingerprint pages, NRS 680B.010, 680C.110, 683A.251, 683A.261, 686C.210 and 688A.165, NAC 683A.270, 683A.330 and 683A.355, and NAIC compiled pass-rate data for 2024 and 2025. Read October 2026.