A Nevada producer asks to renew 20 days after the renewal date. What penalty does NRS 683A.261 add to the renewal fees?NRS 683A.261
A Nevada producer does not pay an administrative fine by the date in the order. What must the Commissioner do under NRS 683A.461?NRS 683A.461
A Nevada producer has not sent a premium to the insurer 30 days after its contractual due date. What must the insurer do under NRS 683A.520?NRS 683A.520
A Nevada producer keeps the same office and home but gets a new e-mail address. What does NRS 683A.261 require?NRS 683A.261
A Nevada producer license expired five months ago. Along with completing continuing education, what penalty does NRS 683A.261 set for reinstating it without a new examination?NRS 683A.261
A Nevada producer license was first issued in May. Where does NRS 683A.261 put the first renewal date?NRS 683A.261
A Nevada producer moves without notice, and a certified letter to the last address on record is returned undelivered. What may the Commissioner do under NRS 683A.261?NRS 683A.261
Show all 88 questions (81 more)
Producer licensing and discipline, continued
A Nevada producer uses premium money collected for an insurer to pay personal bills. What does NRS 683A.400 say the producer is guilty of?NRS 683A.400
A Nevada producer wants to do business under a fictitious name. Besides asking the Commissioner to approve the name, what does NRS 683A.301 require?NRS 683A.301
A Nevada producer who keeps no separate premium account must send premiums received to the insurer within how long of receipt under NRS 683A.400?NRS 683A.400
A Nevada resident applies for a producer license. Where may the Commissioner send the applicant's fingerprints for forwarding to the FBI under NRS 683A.251?NRS 683A.251
A person who needs a Nevada producer license transacts insurance without one. What administrative fine does NRS 683A.201 allow for each violation?NRS 683A.201
An order fines a Nevada producer under NRS 683A.461. The order must set a payment date that falls how long after the date of the order?NRS 683A.461
Apart from any other penalty in the chapter, what offense does a person commit by violating a provision of chapter 683A of NRS, by NRS 683A.490?NRS 683A.490
Besides naming a licensed natural person to be responsible for compliance, what must a business organization keep at its own expense to hold a Nevada producer license under NRS 683A.251?NRS 683A.251
How long after a policy expires may a Nevada producer destroy the records of that policy under NRS 683A.351?NRS 683A.351
How many times may a Nevada temporary producer license be renewed under NRS 683A.311, and for how long?NRS 683A.311
In addition to or in place of a suspension, what administrative fine may be imposed on a Nevada producer for each violation under NRS 683A.461?NRS 683A.461
Under NRS 683A.321, which Nevada producer does not need to be appointed by an insurer?NRS 683A.321
What is the longest suspension of a producer license the Nevada Commissioner may order under NRS 683A.451?NRS 683A.451
Where do administrative fines collected from Nevada producers under NRS 683A.461 end up?NRS 683A.461
Life policy provisions 17
A Nevada beneficiary asks the insurer in writing for a copy of a reinstatement application. How long does the insurer have to send it under NRS 687B.100?NRS 687B.100
A Nevada insurer pays life proceeds late. From what date does interest run under NRS 688A.410?NRS 688A.410
A Nevada life policy carries a suicide exclusion. NRS 688A.260 lets the exclusion run for what period counted from issue?NRS 688A.260
A Nevada life policy may not cut the time to sue on the policy below what period after the cause of action accrues, under NRS 688A.260?NRS 688A.260
A Nevada life policy names a period within which a death claim will be settled. What is the longest period NRS 688A.140 allows after proofs are received?NRS 688A.140
After how many full years of premiums must a Nevada life policy with a cash surrender value offer a policy loan under NRS 688A.110?NRS 688A.110
An agent wants to correct an answer on a signed Nevada life insurance application. What does NRS 687B.090 require first?NRS 687B.090
The debt on a Nevada life policy grows to equal its loan value. How much mailed notice must the insurer give before the policy becomes void under NRS 688A.110?NRS 688A.110
From what age may a minor in Nevada contract for and own life insurance or an annuity on his or her own life under NRS 687B.070?NRS 687B.070
How far before the original application may a Nevada life policy, other than industrial, be dated to take effect under NRS 688A.270?NRS 688A.270
How soon after the insured's death must a Nevada insurer pay life insurance proceeds before interest is owed under NRS 688A.410?NRS 688A.410
Under NRS 687B.080, who may take out Nevada life insurance on another adult without that person's written consent?NRS 687B.080
Under NRS 687B.110, an incorrect statement in a Nevada application that is neither fraudulent nor material can still bar recovery in which case?NRS 687B.110
What grace period may a Nevada industrial life policy with premiums due more often than monthly use under NRS 688A.060?NRS 688A.060
What score on the Flesch test of reading ease must the text of a Nevada policy reach under NRS 687B.124?NRS 687B.124
When must a Nevada policy carry a table of contents or an index of its principal sections under NRS 687B.124?NRS 687B.124
Which clause does NRS 688A.270 keep out of a Nevada life policy?NRS 688A.270
Annuities, replacement and twisting 13
A Nevada agent makes a misleading comparison to get a client to surrender one policy and buy another. What name does the heading of NRS 686A.050 give the practice?NRS 686A.050
A Nevada annuity contract replaces an older one. How long after delivery may the owner return it for a refund under NRS 688A.165?NRS 688A.165
A Nevada buyer wants to return a new annuity contract that replaced nothing. How long from delivery does NRS 688A.165 give?NRS 688A.165
A Nevada owner cancels an annuity during the return period of NRS 688A.165. What does the refund include?NRS 688A.165
An owner stops paying considerations on a Nevada deferred annuity. What must the company grant under the nonforfeiture provision of NRS 688A.361?NRS 688A.361
Besides age, the misstatement of what other fact leads to adjusted benefits under the provision NRS 688A.220 requires in a Nevada annuity contract?NRS 688A.220
Payments on a Nevada annuity contract stop and no cash surrender value has been paid. Within how long from the default may the contract be reinstated under NRS 688A.240?NRS 688A.240
To which group may a group annuity not be delivered in Nevada under NRS 688A.430?NRS 688A.430
What does NRS 688A.440 require before long-term care insurance is built into a Nevada annuity?NRS 688A.440
What grace period must an individual Nevada annuity contract allow for a stipulated payment after the first under NRS 688A.190?NRS 688A.190
What is the highest interest a Nevada annuity contract may charge on a payment made during the grace period under NRS 688A.190?NRS 688A.190
What may the Nevada Commissioner by regulation require of a person who proposes to replace existing life insurance, under NRS 686A.060?NRS 686A.060
Which act by a Nevada policyholder, induced by a misleading comparison, is named in NRS 686A.050 along with lapse and surrender?NRS 686A.050
Health policy provisions and claims 11
A health claim reaches a Nevada insurer electronically. Within how long must the insurer approve or deny it under NRS 689A.410?NRS 689A.410
A health claim reaches a Nevada insurer on paper, not electronically. Within how long must the insurer approve or deny it under NRS 689A.410?NRS 689A.410
A Nevada health insurer does not send claim forms within 15 days after notice of claim. What follows under NRS 689A.100?NRS 689A.100
A Nevada health insurer has the insured examined before it decides a pending claim. Under NRS 689A.140, at whose expense is the examination?NRS 689A.140
A Nevada health insurer needs more information to decide a claim. Within how long of receiving the claim must it tell the claimant under NRS 689A.410?NRS 689A.410
A Nevada health insurer takes a reinstatement application and issues a conditional receipt, then says nothing. On which day is the policy reinstated under NRS 689A.080?NRS 689A.080
A Nevada insurer approves a health claim and pays it late. What interest does NRS 689A.410 require?NRS 689A.410
From when must a Nevada family health policy pay health benefits for a newly born child of the insured under NRS 689A.043?NRS 689A.043
NRS 689A.060 puts a time limit on certain defenses under a Nevada individual health policy. After what period since issue does only a fraudulent misstatement in the application still void it?NRS 689A.060
Under the notice of claim provision in NRS 689A.090, how soon after a covered loss begins must written notice go to a Nevada health insurer?NRS 689A.090
Until when may a child stay on a Nevada family health policy under NRS 689A.030?NRS 689A.030
Unfair practices and penalties 14
A Nevada adjuster misleads a claimant about the deadline to sue. How does NRS 686A.310 treat this?NRS 686A.310
A Nevada agent gives an unlawful rebate on a policy. What does NRS 686A.140 say about the commission on that policy?NRS 686A.140
A Nevada insured knowingly accepts an unlawful rebate of part of the premium. What happens to the amount of insurance under NRS 686A.140?NRS 686A.140
A person keeps on with a practice after a Nevada cease and desist order becomes final. What fine does NRS 686A.187 allow for each violation of the order?NRS 686A.187
An applicant knowingly makes a false statement in a Nevada insurance application. What offense is that under NRS 686A.290?NRS 686A.290
An employee of a Nevada insurer commits an unfair practice. Under NRS 686A.270, when is the insurer itself held guilty?NRS 686A.270
Besides what the Commissioner may do, what does NRS 686A.310 give a Nevada insured harmed by an unfair claim practice?NRS 686A.310
Between which persons does NRS 686A.100 forbid unfair discrimination in Nevada health insurance premiums?NRS 686A.100
For a person other than a licensed agent, broker, solicitor or adjuster, what is the top administrative fine for each unfair practice under NRS 686A.183?NRS 686A.183
What is the largest administrative fine for each act the Nevada Commissioner may order against a licensed agent for an unfair trade practice under NRS 686A.183?NRS 686A.183
What may a person not give as an inducement to buy Nevada insurance under NRS 686A.150?NRS 686A.150
What must be true of the person before the Nevada Commissioner may order a fine with a cease and desist order under NRS 686A.183?NRS 686A.183
Which act is listed as an unfair claim practice in NRS 686A.310?NRS 686A.310
Whom does NRS 686A.105 protect from being refused Nevada life insurance or charged a different rate?NRS 686A.105
Guaranty association 12
A failed insurer owes a Nevada resident disability income benefits. Where does NRS 686C.210 set the guaranty association limit for that kind of cover, which it shares with long-term care?NRS 686C.210
A Nevada agent runs a radio advertisement saying an annuity is safe because the guaranty association covers it. How does NRS 686C.390 treat the advertisement?NRS 686C.390
A Nevada resident owns an annuity from an insurer that has failed. Up to what present value does NRS 686C.210 protect the annuity benefits?NRS 686C.210
Besides inducing a purchase, what other use of the guaranty association's existence in a public statement does NRS 686A.055 forbid to a Nevada insurer or its agent?NRS 686A.055
The Life and Annuity Account of the Nevada guaranty association consists of which subaccounts under NRS 686C.130?NRS 686C.130
NRS 686C.130 splits the books of the Nevada Life and Health Insurance Guaranty Association for administration and assessment. Into how many accounts?NRS 686C.130
Under whose immediate supervision is the Nevada Life and Health Insurance Guaranty Association placed by NRS 686C.130?NRS 686C.130
What is the limit of the Nevada guaranty association for health benefit plans on one life under NRS 686C.210?NRS 686C.210
When must a Nevada member insurer hand over the summary document that describes the guaranty association under NRS 686C.128?NRS 686C.128
Which person may serve as a public representative on the board of the Nevada guaranty association under NRS 686C.140?NRS 686C.140
Who appoints the two public representatives to the board of the Nevada guaranty association under NRS 686C.140?NRS 686C.140
Within the $300,000 death benefit limit of NRS 686C.210, how much net cash for surrender and withdrawal of Nevada life insurance is covered?NRS 686C.210
How this list was compiled: Nevada Revised Statutes, chapters 683A (producers), 686A (trade practices and frauds), 686C (Nevada Life and Health Insurance Guaranty Association), 687B (contracts of insurance), 688A (individual life insurance and annuities) and 689A (individual health insurance), read on the Nevada Legislature website, leg.state.nv.us, on October 4, 2026. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial practice bank for the Nevada life and health insurance exam asks the law only: 88 free questions written from the Nevada Revised Statutes. Nothing on policy types, underwriting or textbook theory is asked.
Read the full guide
What the Nevada law questions cover
Six groups: producer licensing and discipline, life policy provisions the statutes require, annuities, replacement and twisting, health policy provisions and claims, unfair practices and penalties, and the guaranty association. A question you miss goes to the missed pile for another try.
Studying for life insurance alone
Set the topic filter to Life policy provisions, then to Annuities, replacement and twisting. Producer licensing and the guaranty association belong to both the life and the health line. Every answer shows its NRS section.
Renewal date: the last day of the month 3 years after the month the license was issued (683A.261).
Return period: 10 days from delivery, or 30 days when the policy or annuity is a replacement (688A.165).
Health claims: approved or denied within 21 days of receipt if electronic, 30 days if not (689A.410).
Questions and answers
How many questions are on the Nevada life and health insurance test?
No number is given here. The chapters of the Nevada Revised Statutes read for this bank set no length, time limit or pass mark for the exam; the 25 questions of Exam mode are just the size of one set.
How many continuing education hours does a Nevada insurance producer need?
The statute sections read for this bank give no number of hours, so this page gives none. NRS 683A.261 does set the renewal date: the last day of the month 3 years after the month the license was issued.
Can an expired Nevada insurance license be renewed late?
Under NRS 683A.261 a request within 30 days after the renewal date carries a penalty of 50 percent of the renewal fees. Within 12 months the license may be reinstated without a written examination, after continuing education, for twice the fees.
Are these the real Nevada life insurance exam questions?
No. Nobody at this site has seen the state exam. The questions were written from the Nevada Revised Statutes, and the Nevada Division of Insurance did not write or review them.