NV Life (Exam 01; Pearson VUE exam codes InsNV_Life01 test center / OPLife01 OnVUE)

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 questions are free, and the full License Pass is $149, yours until you pass. Below are the licensing steps, exactly what the exam covers, and free practice questions written to this state's outline.

At a glance

ExamNV Life (Exam 01; Pearson VUE exam codes InsNV_Life01 test center / OPLife01 OnVUE)
Scored questions80
Pretest questionsabout 10 (unscored)
Time limit120 minutes
Passing scoreScaled score of 70 (scaled cut set per NAC 683A.270; not a raw percentage)
Exam fee$37
Testing vendorPearson VUE
Retake rulesMust wait 24 hours before making a re-examination reservation (test center); OnVUE online testing is limited to 2 attempts per exam, after which all attempts must be at a Pearson VUE test center
Prelicensing educationnot required for the life line

Verified against official Pearson VUE materials, Candidate Handbook #122900 dated 10/2024; outline effective October 1, 2024 (companion outlines doc #122903 dated 07/2026 confirms it remains current for exams before Nov 14, 2026). Specs change; confirm when you register.

How to get your Nevada life insurance license

  1. 1

    Meet the basics

    Be 18 or older and able to pass the background screening. Nevada handles licensing through the NIPR system like most states.

  2. 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. 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. 4

    Pass the exam

    Walk in knowing the format, 80 scored questions in 120 minutes, passing at a scaled 70. About 62% of first-time life exam takers pass nationally (NAIC, latest published data).

  5. 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.

SectionWeightQuestions
LIFE - GENERAL KNOWLEDGE63%50 questions
LIFE - NEVADA SPECIFIC37%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 1

A combination plan sometimes called family income or family protection typically combines whole life with what other element?

  1. A. An annuity payout only
  2. B. Decreasing term to provide extra income during the family's high-need years
  3. C. A separate account investment
  4. D. A single premium immediate annuity
Show the answer

Answer: B

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.

Types of Policies - combination plans and variations

Question 2

Linda'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?

  1. A. An exclusion
  2. B. The grace period
  3. C. The suicide clause
  4. D. The incontestability 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.

Life provisions and options: policy exclusions (outline concept)

Question 3

When is a life insurance contract generally considered legally accepted if the applicant paid the premium with the application?

  1. A. When the producer signs the application
  2. B. When the insurer approves the risk as applied for
  3. C. When the applicant deposits the premium check
  4. 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.

Contract law: offer and acceptance in insurance

Question 4

In a third-party ownership arrangement, who has the right to name the beneficiary and make policy changes?

  1. A. The policyowner
  2. B. The insured
  3. C. The beneficiary
  4. D. The insurer
Show the answer

Answer: A

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.

Retirement and Other Insurance Concepts: third-party ownership

Question 5

Before a licensed producer in Nevada may act as an agent for an insurance company, what must generally happen?

  1. A. The producer must post a surety bond with the insurer
  2. B. The insurer must appoint the producer
  3. C. The producer must pay the insurer a placement fee
  4. D. The Commissioner must approve each individual sale
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?

Must wait 24 hours before making a re-examination reservation (test center); OnVUE online testing is limited to 2 attempts per exam, after which all attempts must be at a Pearson VUE test center. About 62% of first-time life exam takers pass nationally (NAIC, latest published data). 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 state-approved prelicensing education provider, and practicing here does not by itself satisfy any state's education requirement.

If your state requires prelicensing education, you must complete it with an approved provider; your state insurance department publishes the approved list. What we do is make sure that when you sit down for the real exam, the questions feel familiar.

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.

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A free placement plus free practice questions. No card to start.

Take the free Nevada practice test · How to pass the exam