Nevada life line
The Nevada life insurance exam.
The Nevada life insurance exam is 80 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at a scaled 70, $37 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Nevada outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Nevada Life |
| Scored questions | 80 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | a scaled 70 |
| Exam fee | $37 |
| Testing vendor | Pearson VUE |
| Retake rules | At a test center you wait 24 hours before booking a retake. OnVUE online testing allows 2 attempts per exam, and every attempt after that is at a Pearson VUE test center. |
| Prelicensing education | not required for the life line |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Nevada life insurance license
- 1
Meet the basics
Nevada sets its own age, background check and application rules. The Nevada insurance department lists them, so read them before you book.
- 2
Study the exam outline
Nevada does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $37 exam fee.
- 4
Pass the exam
Walk in knowing the format, 80 scored questions in 120 minutes, passing at a scaled 70. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Nevada exam covers
From the official exam outline, each section's share of the exam and how many of the 80 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| General Knowledge | 63 percent | 50 questions |
| Nevada Specific | 37 percent | 30 questions |
Free Nevada practice questions
Original questions written to the Nevada outline, the same bank our students drill. Tap a question to check the answer.
Question 1A combination plan sometimes called family income or family protection typically combines whole life with what other element?
- A. A single premium immediate annuity
- B. A separate account investment
- C. An annuity payout only
- D. Decreasing term to provide extra income during the family's high-need years
Show the answer
Answer: D
Family income and similar combination plans pair a whole life base with decreasing term that provides extra monthly income during the years a family most needs it, with the term shrinking over time. It is not annuity-only. Separate accounts belong to variable products. A single premium immediate annuity is a stand-alone income contract, not part of these combination plans.
Question 2Linda's policy pays no death benefit because she died flying as a licensed private pilot, an activity specifically named in the contract; this reflects which policy feature?
- A. An exclusion
- B. The incontestability clause
- C. The grace period
- D. The suicide clause
Show the answer
Answer: A
An exclusion is a stated cause of loss the policy will not cover, such as aviation as a private pilot. The grace period gives extra time to pay a late premium, unrelated to the cause of death. The suicide clause specifically addresses death by suicide within a stated period. The incontestability clause limits contesting the policy for misstatements, not naming excluded activities.
Question 3When is a life insurance contract generally considered legally accepted if the applicant paid the premium with the application?
- A. When the producer signs the application
- B. When the insurer approves the risk as applied for
- C. When the applicant deposits the premium check
- D. When the policy is filed with the state
Show the answer
Answer: B
With a premium paid at application, offer and acceptance are complete when the insurer approves the application as submitted (the insurer accepts the applicant's offer). The producer signing is not acceptance, so choice A is wrong. Depositing the applicant's check is not insurer acceptance, so choice C is wrong. Policies are not filed individually with the state for acceptance, so choice D is wrong.
Question 4In a third-party ownership arrangement, who has the right to name the beneficiary and make policy changes?
- A. The insured
- B. The beneficiary
- C. The policyowner
- D. The insurer
Show the answer
Answer: C
The policyowner holds the ownership rights, including naming the beneficiary and making changes, even when the owner and the insured are different people. The insured is only the person whose life is covered and has no control rights unless also the owner. The beneficiary only receives proceeds, and the insurer administers but does not own the policy.
Question 5Before a licensed producer in Nevada may act as an agent for an insurance company, what must generally happen?
- A. The producer must post a surety bond with the insurer
- B. The insurer must appoint the producer
- C. The Commissioner must approve each individual sale
- D. The producer must pay the insurer a placement fee
Show the answer
Answer: B
A producer must be appointed by the insurer before acting as its agent; the appointment ties the producer to that company. A surety bond is not the general requirement to represent an insurer. Producers do not pay insurers placement fees to represent them. The Commissioner does not approve individual sales.
NRS 683A (producer appointment)
Take the free Nevada practice test, every question with the answer and the explanation
Nevada exam FAQs
How many questions are on the Nevada life insurance exam?
80 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Nevada exam?
You need a scaled 70 to pass.
How much does the Nevada life insurance exam cost?
The exam fee is $37 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Nevada exam?
At a test center you wait 24 hours before booking a retake. OnVUE online testing allows 2 attempts per exam, and every attempt after that is at a Pearson VUE test center. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Nevada require prelicensing education before the exam?
No. Nevada does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Nevada exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (80 questions, 120 minutes), and a mastery map that shows what to study next.