Nevada Insurance Exam Guides
Pick the license you're studying for. Each guide covers Nevada-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Nevada exam's state-law material, mapped.
Free study resource
What's actually tested on the Nevada exam — the state regulations, mapped
Every Nevada insurance exam reserves a block of questions for Nevada-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 109 facts from the TESTivity Nevada regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 13 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years from the date of issue
- Grace period for individual life tested30 days (the insurer may charge interest up to 6% per year on the overdue premium)
- Window to reinstate a lapsed policy testedWithin 3 years of default, on evidence of insurability and payment of overdue premiums with interest
- Suicide exclusion period tested2 years — a life policy's suicide clause may not exceed 2 years from issue (sane or insane); if suicide occurs within the period, the insurer pays at least the reserve
- Free look for individual life tested10 days for individual life and annuities (non-replacement)
- Free look for annuities tested10 days for an annuity (non-replacement)
- Free look when a policy is being replaced tested30 days when a life policy or annuity is being replaced
- Free look for long-term care tested30 days for long-term care, from policy delivery
- Required nonforfeiture options testedCash surrender value plus a paid-up nonforfeiture benefit (reduced paid-up or extended term insurance), under Nevada's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the Nevada Life line plus active FINRA registration (they are securities regulated under NRS 688A.390 separate accounts)
- Does the state regulate viatical/life settlements? testedYes — Nevada regulates viatical and life settlements under NRS Chapter 688C; providers and brokers must be licensed
- Viator's rescission window testedThe viator may rescind for the shorter of 60 days after signing or 30 days after receiving the proceeds (deemed rescinded if the insured dies within the window)
- Has the state adopted the NAIC best interest standard? testedYES — Nevada adopted the NAIC 2020 best interest standard by Regulation R109-23 (NAC ch. 688A), effective November 15, 2024, with a 4-hour annuity training
Health 15 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Nevada expanded Medicaid under the ACA (adults up to 138% of the federal poverty level), effective January 1, 2014
- Effective date of expansion, if expanded testedJanuary 1, 2014
- Agency administering Medicaid testedThe Nevada Department of Health and Human Services, Division of Health Care Financing and Policy (DHCFP)
- Federal marketplace or state-based exchange testedA STATE-BASED exchange — Nevada Health Link, operated by the Silver State Health Insurance Exchange (SSHIX). Nevada moved off HealthCare.gov to its own platform for plan year 2020.
- Name of the state CHIP program testedNevada Check Up (Nevada's CHIP program, administered by DHCFP)
- Clean-claim payment deadline, electronic tested21 days for a clean claim submitted electronically
- Clean-claim payment deadline, paper tested30 days for a clean claim submitted on paper
- Does the state distinguish electronic vs paper claims? testedYes — Nevada splits the clean-claim deadline: 21 days electronic, 30 days paper
- Interest / penalty on late claim payment tested10% annual interest on a clean claim not timely paid
- Is the IRO's external review decision binding on the plan? testedYES — an external review decided in the covered person's favor is binding on the health carrier; the independent review organization decides within about 15 business days
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Nevada state continuation covers smaller groups (fewer than 20)
- Employer size range covered by state continuation testedNevada state continuation applies to groups with fewer than 20 employees (groups not subject to federal COBRA)
- Duration of state continuation coverage testedUp to 18 months (up to 36 for dependents in certain cases)
- Election period for state continuation testedApply within 60 days (the enrollee must have had at least 12 months of prior coverage)
- Max premium as % of group rate testedThe enrollee pays about 125% of the group premium (from a DOI consumer guide; confirm the current figure)
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) — Nevada is NOT a no-fault state; there is no mandatory PIP (medical payments must be offered but is optional). The at-fault driver's liability coverage pays the other party's damages.
- Minimum bodily injury liability per person tested$25,000
- Minimum bodily injury liability per occurrence tested$50,000
- Minimum property damage liability tested$20,000
- The memorizable shorthand (e.g. 30/60/25) tested25/50/20 (raised from 15/30/10 effective July 1, 2018)
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMust be OFFERED and may be REJECTED — uninsured-motorist coverage must be offered at limits equal to the insured's liability limits, but the insured may decline it (adding it later requires a written request)
- Underinsured motorist status testedUnderinsured-motorist coverage is part of the UM offer — offered at the insured's liability limits and rejectable
- Personal injury protection status testedNot required — Nevada is a tort state with no mandatory PIP (medical payments coverage of at least $1,000 must be offered but may be declined)
- Contributory / pure comparative / modified comparative negligence testedModified comparative negligence with a 51% bar — a claimant recovers only if their negligence was NOT GREATER THAN the combined negligence of the parties they claim against, so a claimant exactly 50% at fault still recovers, but one 51% or more at fault recovers nothing; the award is reduced by the claimant's share
- The bar percentage, if modified comparative tested51% bar — a claimant whose negligence is greater than the defendants' combined negligence recovers nothing (a claimant exactly 50% at fault still recovers)
- Assigned risk / residual market plan for auto testedThe Nevada Automobile Insurance Plan (the assigned-risk market of last resort)
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedNevada requires compulsory auto insurance; the only non-insurance option is a certificate of self-insurance (NRS 485.380), available ONLY to a person with more than 10 vehicles registered in Nevada — there is no general cash or bond alternative for ordinary drivers
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal tested3 years — Nevada uses a three-year license term (renewable for additional 3-year periods)
- What the renewal date keys off (flat term / birthday / birth year) testedA flat 3-year term — the license renews on the expiration date printed on it (not keyed to a birthday)
- CE hours per renewal period, standard case tested30 CE hours per 3-year term, including 3 hours of ethics
- CE hours if holding multiple license types (if different) tested30 total each term — holding multiple lines does not stack to a higher total
- Ethics hours required per period tested3 hours of ethics each term
- Limits on who may provide CE credits testedCourses and providers must be approved by the DOI; CE hours must relate to the line(s) of authority held
- Initial long-term care training requirement tested8 hours of initial long-term care training before selling LTC (the NAIC-model requirement); a 4-hour annuity training is required before selling annuities
- What happens if CE is not completed (fine / expiry / cancellation) testedA license renewed late (within 30 days) carries a 50% penalty; reinstated within 12 months of expiration with CE completed and a 200% (double) penalty, no re-exam; beyond 12 months you must re-qualify by examination
- Late renewal / reinstatement tiers testedLate within 30 days: 50% penalty. Reinstate within 12 months of expiration with CE done and double (200%) the renewal fees, no re-exam. After 12 months: re-qualify by examination.
- Any CE exemption (e.g. long-service agents) testedHolders of certain designations (CPCU, CLU, CIC, CFP, ChFC) who maintain them may request a CE exemption; nonresidents satisfy CE through their home-state license
Property 6 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE — insurers file rates at least 30 days before use, and a filing is deemed approved if the Commissioner does not act
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but heavily RESTRICTED — a credit score may not be the SOLE basis for an adverse action, and an insurer may not use income, gender, ZIP code, ethnicity, religion, or marital status in a credit model; the credit report must be pulled within 90 days
- Does the state have a FAIR Plan? testedNO — Nevada has NO FAIR Plan. A 2025 bill (AB 437) to create one failed; high-risk property (including wildfire-exposed homes) uses the surplus lines market.
- Dominant catastrophe perils in the state testedWildfire (a growing driver of nonrenewals), flood and flash flood, and EARTHQUAKE — Nevada is one of the most seismically active states — plus windstorm; earthquake and flood are covered by separate endorsements or the NFIP
- What license you must already hold to write surplus lines testedA surplus lines broker license (which requires the underlying producer authority); an eligible nonadmitted insurer needs at least $15 million in capital and surplus
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent effort to place the risk with admitted insurers must fail first; coverage may not be exported merely to get a lower rate. Nevada uses a qualitative diligent-effort standard with no fixed number of declinations.
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Nevada Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits
- Health benefit limit tested$500,000 for a health benefit plan; $300,000 for disability income and long-term care; $100,000 for basic hospital, medical, and other health
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life (up to $500,000 when a health benefit plan is included)
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits ($300,000 death benefit, $100,000 cash value, $250,000 annuity), with tiered health
- Name of the P&C guaranty association testedThe Nevada Insurance Guaranty Association
- Per-claim cap testedThe lesser of the policy limit or $300,000 per covered claim (unearned-premium return also capped at $300,000); workers' compensation claims are paid in full
- Is using the guaranty association as a sales inducement prohibited? testedYes — it is unlawful to advertise or use the existence of the guaranty association to sell, solicit, or induce the purchase of insurance
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — every employer with an employee under a contract of hire must secure workers' compensation coverage
- Employee count at which coverage is required testedCoverage is required from the first employee — Nevada has no small-employer headcount exemption (some categorical exclusions exist for casual labor, certain domestic/agricultural workers, and clergy)
- Agency administering workers' compensation testedThe Nevada Division of Industrial Relations (DIR), Workers' Compensation Section, within the Department of Business and Industry
- Temporary total disability wage replacement rate testedTemporary total disability: 66 2/3% of the average MONTHLY wage, subject to the DIR maximum, with the first payment within 14 working days
- Maximum TTD duration testedPayable while the disability persists; there is no fixed weeks cap, but a maximum benefit is set by the DIR's annual maximum average monthly wage
- Deadline to file a claim testedNotice to the employer within 7 days of the accident; file the claim with the insurer within 90 days (a dependent death claim within 1 year)
- Ways an employer may comply (insure / self-insure / group) testedBuy a policy from a private carrier, or qualify as an approved self-insured employer or a member of an association self-insured group (Nevada's state fund was privatized in 2000)
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Nevada Division of Insurance (DOI), within the Department of Business and Industry
- Title of the person who heads it testedCommissioner of Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Director of the Department of Business and Industry (a gubernatorial appointee) — not elected
- Where the state's insurance law is codified testedTitle 57 of the Nevada Revised Statutes (chapters 679A-697), with regulations in the Nevada Administrative Code (NAC)
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedYes — insurance is regulated by a DIVISION inside the larger Department of Business and Industry, headed by an appointed Commissioner, rather than a standalone department
Cancellation 7 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested70 days — a new policy in effect 70 days or less may be canceled more freely; after 70 days (or on renewal) cancellation is allowed only on seven statutory grounds
- Notice days to cancel a homeowners policy inside the initial window testedAt least 30 days' written notice to cancel a homeowners policy for a permitted cause (10 days for nonpayment), stating the specific reason
- Notice days to cancel a personal auto policy inside the initial window testedAt least 30 days' written notice to cancel a personal auto policy for a permitted cause (10 days for nonpayment) — auto and homeowners are treated the same
- Notice days for cancellation for nonpayment tested10 days' notice for cancellation for nonpayment of premium
- Notice days for cancellation for other permitted causes testedAt least 30 days for cancellation on a permitted ground (nonpayment is 10 days)
- Notice days required for nonrenewal testedAt least 30 days before expiration for nonrenewal of a personal auto or homeowners policy (60 days for commercial), with a written explanation of the specific reasons
- Must the reason be stated proactively, on request, or not at all? testedYes — both cancellation and nonrenewal notices must state the specific reasons in writing; after the 70-day window cancellation is allowed only on seven enumerated grounds (nonpayment, a conviction increasing the hazard, fraud or material misrepresentation, an act materially increasing the hazard, a material change in risk, a Commissioner solvency finding, or a Commissioner Code-violation finding)
Licensing 24 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life exam and line of authority (Life includes fixed annuities)
- Is there a standalone health license/exam? testedYes — a standalone Accident & Health exam and line of authority
- Is there a combined life+health license/exam? testedYes — Nevada offers a combined Life and Health exam, in addition to the individual Life and Accident & Health exams
- Is there a personal lines license/exam? testedYes — a Personal Lines line (its own exam), covering noncommercial property and casualty risks
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Nevada offers Property and Casualty as individual exams AND as a combined Property & Casualty exam, plus a narrower Personal Lines line.
- Does the life license cover annuities? testedYes — FIXED annuities are sold under the Life line. VARIABLE life and variable annuities require the Life line plus FINRA registration (they are securities).
- Does the P&C license already include personal lines authority? testedYes — a full Property & Casualty authority covers personal-lines risks; the Personal Lines line is a narrower noncommercial subset
- Full list of exam-based agent license types testedOne Nevada producer license listing any of: Life · Accident and Health · Property · Casualty · Personal Lines — plus limited lines (Travel, Rental car, Portable electronics, Crop)
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE administers Nevada producer exams under contract with the DOI
- Exam fee tested$37 for a single-line exam; $47 for a combined Life & Health or Property & Casualty exam
- License application fee tested$185 for a resident (or nonresident) producer license; adding a line of authority is $50
- Fee per insurer appointment tested$15 per insurer appointment (an appointment is required to transact for that insurer)
- Passing score tested70 (a scaled score set by the DOI)
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — the DOI states pre-licensing education is not required. Candidates study the content outlines and sit the exam directly.
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — the DOI does not require a pre-licensing course. Candidates study the Pearson VUE content outlines and sit the exam directly.
- Fingerprints, state police report, or none testedFINGERPRINT-based background check — a full set of fingerprints is submitted to the Nevada Central Repository and the FBI (as of August 1, 2025, applicants bring a Fingerprint Authorization Form to an approved vendor and attach a signed waiver)
- Who takes the prints / issues the report testedFingerprints are processed by the Nevada Central Repository and the FBI (captured at an approved fingerprint vendor)
- Deadline to apply after passing the exam testedYou must apply for the license within 1 year after passing the exam (and have passed within the year before applying)
- How long a passed exam remains valid testedA passed exam remains valid to support a license application for 1 year
- Notice required to reschedule/cancel without forfeiting the fee testedYou must call Pearson VUE at least 48 hours before the appointment to change or cancel without forfeiting the fee
- Where you apply (Sircon / NIPR / state portal) testedSircon (preferred, with 30-day free license printing) or NIPR
- Are temporary licenses available? testedYes — a temporary license (up to 180 days, no exam) is available in limited circumstances: the death or incapacity of a licensed producer, or a producer entering active military service
- Temporary license duration and training requirement testedUp to 180 days, no exam, only to continue an existing business (death/incapacity of a producer, a designee's death/disability, military service, or the public interest)