The Nevada Life and Health Producer License
Nevada publishes both single-line papers and a combined one, and unusually the combined route wins on cost, on time and on question count all at once. Exam code 05, "NV Life and Health," produces both lines of authority on one licence and one $185 application.
The reason the combined paper is smaller is structural rather than generous. It is built from three printed content outlines: a Life general-knowledge outline, an Accident and Health general-knowledge outline, and a single combined Life/Health Nevada-specific outline of 44 questions. The two single papers carry Nevada outlines of 30 and 38 - 68 between them. Nevada compresses its own material for the combined candidate; it does not compress the national material at all.
What this guide owns beyond the route itself is two things every Nevada candidate needs. The exam-day rules, which are the same at every Nevada test centre and are stricter on identification than most states. And Nevada's waiver scheme - which exists, is designation-based, and does not do what almost everyone assumes it does.
The Nevada Life and Health Exam
Exam code 05, 3 hours 35 minutes, $47. Three printed outlines feed it: Life general knowledge at "50 scored plus 5 pretest questions," Accident and Health general knowledge at "50 scored plus 5 pretest questions," and a combined Life/Health Nevada-specific outline at "44 scored plus 5 pretest questions." That is 144 scored and 15 pretest, 159 items, at about 81 seconds an item.
Every count on this site is a sum of printed sections, and the combined papers are where that matters most. The candidate handbook prints the exam codes, the time limits and the fees and no question counts at all. The content outlines print counts section by section and no time limits. Neither document states an exam-level total for a combined paper - it has to be assembled from three separate outlines, and this site does so on a consistent all-items basis.
| Route | Papers | Scored | Time | Fee | Nevada questions |
|---|---|---|---|---|---|
| Combined, code 05 | 1 | 144 | 3 hours 35 minutes | $47 | 44 |
| Life 01 + Accident and Health 02 | 2 | 168 | 4 hours 15 minutes | $74 | 68 |
Read the last column before deciding. The combined route is cheaper, shorter and smaller - and 24 of the 24 questions it saves you are Nevada-specific. For a candidate who finds state law the harder half, that is an argument for the combined paper beyond the money. For a candidate who is confident on Nevada law and shaky on the national material, the two singles spread the general-knowledge load across two sittings and two study periods.
The single papers remain available at $37 each - code 01 for Life and code 02 for Accident and Health - and each has its own guide on this site.
Passing is a scaled 70 under NAC 683A.270, and the same regulation gives the pass a twelve-month shelf life: it "must have been successfully completed within 1 year immediately preceding the date of application for the license."
Most Tested Topics on the Nevada Life and Health Exam
Forty-four scored questions come from Nevada law across both lines. The guaranty association supplies more of them than any other single subject, and the reason it is worth studying carefully is not the dollar figures - which track the NAIC model - but the UNITS, which the statute restates paragraph by paragraph and which change four times.
| Concept | The Nevada rule | Where it lives |
|---|---|---|
| The operator governing every figure below | "The lesser of" - the member insurer's own contractual obligations, or the listed amount. Every number is a ceiling on the Association, never an entitlement | 686C.210(1) |
| Life death benefit, and the cash-value carve-out | $300,000 in death benefits "with respect to one life, regardless of the number of policies or contracts" - "but not more than $100,000 in net cash for surrender and withdrawal." Carved out of the same coverage, not stacked beside it | 686C.210(1)(b)(1) |
| Annuities | $250,000 in the present value of benefits, including net cash for surrender and withdrawal - and it sits as the ALTERNATIVE to the life figure in the same paragraph | 686C.210(1)(b)(2) |
| Health, tier one | $100,000 for coverages that are none of the others, including net cash surrender and withdrawal | 686C.210(1)(c)(1) |
| Health, tier two | $300,000 for DISABILITY INCOME or LONG-TERM CARE - the two share one tier | 686C.210(1)(c)(2) |
| Health, tier three | $500,000 for HEALTH BENEFIT PLANS, a defined term taking its meaning from NRS 687B.470 | 686C.210(1)(c)(3), (5) |
| Structured settlement annuities | Measured PER PAYEE - $250,000 in present value in the aggregate, for each payee or the payee's beneficiaries | 686C.210(1)(d) |
| Governmental retirement plans | Measured PER PARTICIPANT - an aggregate of $250,000 "regardless of the number of contracts" | 686C.210(1)(e) |
| The aggregate, and which of its two figures applies | $300,000 in benefits "excluding benefits for health benefit plans," OR $500,000 "including benefits for health benefit plans" | 686C.210(2)(a)(1), (2)(a)(2) |
| Corporate-owned life insurance | Measured PER OWNER - no more than $5,000,000 to one owner of several nongroup life policies, "whether the owner is a natural person or an organization" | 686C.210(2)(b) |
| What the association does not cover | Non-guaranteed portions and any portion where the owner bears the investment risk; unassumed reinsurance; self-funded employer plans and multiple employer welfare arrangements; EXTRA-CONTRACTUAL CLAIMS including bad faith and punitive damages; Medicare and Medicaid plans | 686C.035 |
| Using the association to sell | Prohibited - and the section covering BOTH associations is in the trade practices chapter, not in either guaranty chapter. Its last sentence exempts the associations themselves | 686A.055; 686C.390 |
| The annuity standard | The producer "shall act in the best interest of the consumer under the circumstances known at the time the recommendation is made, without placing the financial interest of the producer or insurer ahead of the interest of the consumer" | LCB File No. R109-23 |
| Who enforces it | Exclusively the Commissioner - the regulation vests enforcement authority "exclusively with the Commissioner," with penalties to $2,000 per violation | R109-23, s. 26(3) |
| The annuity training gate | A one-time 4-credit course before soliciting annuity sales; six months for producers already licensed when it took effect; new licensees may not sell until it is done | R109-23, s. 25 |
| The long-term care training gate | 8 hours initially plus 4 every 24 months - and the producer must hold the HEALTH line, which is written into the training rule itself | NAC 687B.051 |
The unit changes are the whole exam value of this material, and the statute is unusually helpful about them. NRS 686C.210 does not leave the measure to be inferred - it writes it into each paragraph. "With respect to one life, regardless of the number of policies or contracts." "With respect to health insurance for any one life." "With respect to each payee of a structured settlement annuity." "With respect to each participant in a governmental retirement plan." And then, in the aggregate subsection, "with respect to one owner of several nongroup policies of life insurance." Five units in one section: life, life, payee, participant, owner. A question that gives you a corporate policyholder with forty covered employees is testing whether you noticed the last one.
The aggregate is the second trap and it has two numbers rather than one. NRS 686C.210(2)(a) caps the Association at "an aggregate of $300,000 in benefits, excluding benefits for health benefit plans" OR "an aggregate of $500,000 in benefits, including benefits for health benefit plans." Which figure applies is decided by whether a health benefit plan is in the mix at all - so the same claimant can be inside a $300,000 aggregate or a $500,000 one depending on what else they held.
And the advertising prohibition is a where-does-it-live question rather than a what-does-it-say question. A candidate reading chapter 686C finds NRS 686C.390 and may conclude the ban is life-and-health-only. It is not: NRS 686A.055, in the trade practices chapter, covers both associations in one sentence and bars an insurer or its agent or employee from any advertisement "which uses the existence of the Nevada Insurance Guaranty Association or the Nevada Life and Health Insurance Guaranty Association for the purpose of inducing the purchase of, or discouraging the termination of, any insurance." Chapter 687A, the property and casualty guaranty chapter, has no advertising section of its own.
Nevada Exam Day
Arrive thirty minutes early. The handbook does not phrase it as advice: "Candidates should report to the test center at least thirty (30) minutes before the examination begins to complete registration." That half hour is the check-in window, and Nevada's identification rule is the reason it needs to be that long.
Identification: two forms, and the name must match exactly. This is where Nevada is stricter than most states and where more candidates are turned away than for any other reason. "Candidates must present two (2) forms of current signature identification. The name on the identification must exactly match the name on the registration." And "identification must be in English."
The primary must be government-issued and carry both a photograph and a signature, and must be unexpired: a driver's licence, a passport, a military ID, a state ID card, a learner's permit, or a passport card.
The secondary needs a signature and need not carry a photograph: a Social Security card, a debit or credit card, or anything that would qualify as a primary. The everyday one is a bank card - which is worth knowing, because a candidate who arrives with a passport and nothing else has one form of identification, not two.
Three failure modes are worth naming, because each is fixable the day before and not on the day. A candidate who has recently married or changed name and booked in one name while carrying identification in another. A candidate whose only signature-bearing second document is expired. And a candidate whose identification is not in English - which the handbook requires without qualification.
The tutorial is free time. "Candidates will have an opportunity to take a tutorial on the computer" and "the time spent on this tutorial will not reduce the examination time." The handbook prints no duration for it, so this page does not publish a minute figure - but there is no reason to skip something that costs nothing from the clock.
Changing or cancelling: 48 hours, by phone, or you lose the fee. "Candidates should call (800) 274-2609 at least forty-eight (48) hours before the examination to change or cancel a reservation." With proper notice, "candidates ... may either transfer the fee to a new reservation or request a refund" - card refunds are immediate, voucher refunds take two to three weeks. Without proper notice, candidates "will forfeit the examination fee," which is $47 on this paper.
Results arrive before you leave. "Candidates will leave the test center with their official scores in hand." A failing candidate gets a score report and must retake the entire examination, and cannot book the retake for twenty-four hours - and not at the test centre desk in any event. The Personal Lines guide covers what the score does and does not tell you, and why a scaled 68 is not two questions short.
Booking is short-notice friendly. Pearson VUE's Nevada page notes that appointments may be made up to one calendar day before the test date, so a cancelled slot can often be replaced quickly - though the fee for the cancelled one is gone if it was inside the 48 hours.
If you are testing from home rather than at a centre, the identification rule is identical and harder to solve on the spot, and the remote route carries a two-attempt cap that the test centre route does not. The Accident and Health guide owns the remote option in full; the Property guide owns test centres and booking.
Nevada Waivers and Exemptions
Nevada grants a designation-based exemption, and it is a continuing-education exemption. Not an examination waiver. That distinction is the single most misread item in Nevada's licensing scheme, and it costs people either money or a licence depending on which way they get it wrong.
The five designations that qualify appear on the Division's licensing FAQ and on its CE Exemption Request Form, and both documents list exactly the same five: chartered property casualty underwriter (CPCU), chartered life underwriter (CLU), certified insurance counselor (CIC), certified financial planner (CFP) and chartered financial consultant (ChFC).
And the alternative route, which has nothing to do with designations at all: twenty years of continuous experience in insurance as the applicant's primary source of income. The form asks the applicant to state "a total of years continuous experience, as my primary source of income, in the field of insurance."
Who may use it: resident producers and insurance consultants. The exemption is requested rather than automatic - the Division publishes a CE Exemption Request Form, and the current English revision is dated 5.29.26.
What is NOT on the list, and this is worth stating because two designations are routinely assumed onto it: FLMI and LUTCF. Neither appears on the FAQ's list and neither appears on the request form. A producer holding either is doing thirty hours like everyone else.
Now the half that matters more: Nevada publishes no designation-based examination waiver of any kind. The candidate handbook sets out no designation-based route to skip an examination, and the only waiver it names is the Fingerprint Background Waiver Form, which is an unrelated document. The Division's producer page offers no designation route to skip an examination. The CE Exemption Request Form is titled and structured as a continuing-education document throughout.
What Nevada does waive an examination for is prior licensure, and it is line-for-line. NRS 683A.291 exempts two categories and neither is a credential:
1. An applicant previously licensed in another state for the same lines of authority, who is currently licensed in that state - or, where that licence has been cancelled, whose application arrives "within 90 days after the cancellation of the license" with the other state certifying good standing at the time. The Division states the same rule in plainer words: "If you don't apply within 90 days of the previous state license inactivation date you will be required to take and pass a licensing exam as well."
2. A producer who "confines his or her activity to insurance categorized as limited line, credit, travel, portable electronics, baggage or fixed annuity, or covering vehicles leased for a short term." Note the verb - confines. It is an exemption for someone whose whole practice is inside those categories, not a way to skip an examination on a full producer licence.
And subsection 3 supplies the residency clock, which is statutory rather than a Division practice: a person licensed in another state "who moves to this state and desires to become licensed as a resident producer of insurance with the benefit of the exemption provided in subsection 1 must apply for licensing within 90 days after establishing legal residence."
Read "the same lines of authority" strictly. The exemption is measured line by line. A producer arriving with a Life authority is exempt as to Life; nothing in it reaches Accident and Health. A candidate coming to Nevada with one line and wanting two will sit one examination, not none.
And one clock that applies to everyone rather than only to arrivals: NAC 683A.270 requires the examination to have been "successfully completed within 1 year immediately preceding the date of application."
A documentary caution if you are using the request form in a language other than English. The Division serves the English CE Exemption Request Form at revision 5.29.26, but the Spanish, Tagalog and Traditional Chinese versions come from files dated 8.24.23 and are still linked live from two of its pages. Use the English 5.29.26 revision as the authoritative text and treat the others as translations of an older edition.
Nevada Life and Health License Fees
$47 for the combined paper and $185 for the licence - $232 in total for both lines of authority. The two-paper alternative is $74 plus the same $185, so the combined route saves $27.
The $185 decomposes across two statutes, and the decomposition explains Nevada's licence term: NRS 680B.010(5) prints "Application and license ... $125" beside "Triennial renewal of each license ... 125," and NRS 680C.110(4)(d) adds "$60" initial and "$60" triennial. Both price the licence on the three-year cycle NRS 683A.261(10) sets, which makes the first renewal date "the last day of the month which is 3 years after the month in which the Commissioner originally issued the license."
Nevada charges per licence, not per line, so one application covers however many lines you have qualified for. Adding a line later costs $50 on top of that line's examination fee - which is why taking one line now and the other later is the most expensive of the three routes.
Fees you meet later: $185 to renew every three years; a late renewal within 30 days at a statutory "penalty of 50 percent of all applicable fees for renewal"; reinstatement within 12 months at "twice all applicable fees for renewal," without re-examination. NIPR adds $5.50 to any transaction filed through it, and printing is free for 30 days from ISSUANCE, not from filing, on a Sircon-approved application or renewal, and charged after that.
And two costs that are not fees. The annuity training is a one-time four-credit course you buy from an approved provider before you may solicit annuity sales. Long-term care training is eight hours before the first sale and four every twenty-four months after it. Both are conduct gates rather than licence conditions, so neither shows up on a fee schedule.
Nevada Life and Health License Eligibility
Four findings, at NRS 683A.251(1), and they are the whole test for a natural person: "(a) Attained the age of 18 years; (b) Not committed any act that is a ground for refusal to issue, or suspension or revocation of, a license; (c) Paid all applicable fees prescribed for the license, which may not be refunded; and (d) Successfully passed the examinations for the lines of authority for which application is made, unless the applicant is exempt from this requirement."
Note what paragraph (c) says about the money. Fees "may not be refunded" - so an application that fails on paragraph (b) has still cost $185. That is the practical argument for disclosing a difficult background rather than hoping the check misses it, quite apart from the further $185 the Division charges for a non-disclosure it later discovers.
Holding both lines opens two training obligations rather than one, and they are triggered by conduct rather than by the licence. Selling an annuity requires the one-time four-credit course. Selling long-term care requires eight hours, four more every twenty-four months, and the health line as a precondition written into the training rule itself. The Accident and Health guide owns the long-term care gate in detail.
The disciplinary grounds behind paragraph (b) are the fourteen numbered causes at NRS 683A.451, and the Life guide sets them out. The two worth knowing on this page are the ones that reach a career built elsewhere: dishonest practices or demonstrated untrustworthiness "in this State or elsewhere," and denial, suspension or revocation of a producer licence "or its equivalent in any other state, territory or province."
Nevada Life and Health Continuing Education
Important CE details: Holding both lines brings two training gates rather than one, and they behave differently from each other and from continuing education. The annuity gate is a one-time four-credit course required before soliciting annuity sales, under the Division's annuity regulation; a producer already licensed when the rule took effect had six months to complete it, and a new licensee may not sell annuities until it is done. The long-term care gate is eight hours initially and four every twenty-four months thereafter under NAC 687B.051, it recurs for as long as you keep selling, and it is drafted as a bar on the activity with a licensure condition inside it - the producer must hold the HEALTH line as well as the training. Neither counts as a substitute for the thirty hours, and the long-term care cycle deliberately does not line up with Nevada's thirty-six-month licence term, so the first refresher falls two-thirds of the way through a licence period rather than at renewal.
Thirty hours in the three-year period before renewal, three of them ethics, under NAC 683A.330 - and holding both Life and Accident and Health does not double anything. Thirty is the licensee's total for the period however many lines the licence carries. What changes is the range of subjects the twenty-seven non-ethics hours may cover, which on a two-line licence is wider than on a one-line one.
The exemption above can remove all thirty, and it is the reason this guide owns the waivers module: CPCU, CLU, CIC, ChFC or CFP, or twenty years of continuous experience as the primary source of income, requested on the Division's form. It does not touch the examination, and it does not touch the two training gates.
The training gates run on their own calendars and neither counts towards the thirty. The annuity course is one-time and triggered by the first annuity solicitation. The long-term care requirement is eight hours before the first sale and four in every twenty-four-month period thereafter - a cycle that deliberately does not align with the thirty-six-month licence term, so the refresher falls mid-period rather than at renewal.
Reporting is the provider's job. Approved providers submit credits to the Division through Sircon and are charged $1 per hour per student for it. Keep your own certificate - the Division's renewals page requires licensees to "maintain a copy of the certificate of completion for each course" - but the credit exists when the provider uploads it, not when you finish. Check the transcript on Sircon and leave time for the upload before the renewal date.
Quick Reference
Official Links
Don't study generic. Study Nevada.
You've got the roadmap. Now get the Nevada-specific Life & Health question bank, mock exams, and video course built by instructors with 20+ years teaching this material.