Exam Code: InsNV_Health02
Exam Name: NV Accident and Health
Certification Provider: Insurance Licensing
Corresponding Certification: Nevada Insurance

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Updated: Aug 20, 2026

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Insurance Licensing InsNV_Health02 Exam Overview:

Certification Vendor:	Nevada Division of Insurance / Pearson VUE
Exam Name:	NV Accident and Health
Exam Number:	InsNV_Health02
Passing Score:	70 scaled score
Exam Price:	USD 37
Exam Format:	Multiple choice, Computer-based examination, Two sections: General Knowledge and Nevada Specific
Available Languages:	English
Exam Duration:	135 minutes
Real Exam Qty:	98 (88 scored + 10 pretest)
Related Certifications:	Nevada Resident Insurance Producer License Nevada Accident and Health Insurance Producer License
Certificate Validity Period:	The examination must be passed within 1 year before applying for the Nevada resident producer license; the Health producer license is subject to the applicable Nevada license renewal period.
Sample Questions:	Insurance Licensing InsNV_Health02 Sample Questions
Exam Way:	Pearson VUE computer-based examination available at Pearson VUE test centers and through OnVUE online proctoring. Reservations should generally be made at least 24 hours in advance. The exam consists of 50 scored plus 5 pretest questions in the Accident & Health General Knowledge section and 38 scored plus 5 pretest questions in the Health Nevada Specific section.
Pre Condition:	For a Nevada resident producer applying for the Health line of authority, the candidate must pass the corresponding Nevada Insurance Producer examination. Nevada currently states that prelicensing education is not required for individuals applying for a producer license, although applicants may choose to take a preparatory course. After passing, the license application must be submitted within one year. The Nevada Division of Insurance also requires applicable licensing application, fingerprinting, and background-check requirements.

Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Marketing Practices 1. Required records and record retention 2. Commissions and payment restrictions 3. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation 4. Fiduciary responsibilities 5. Affordable Care Act 6. Silver State Health Insurance Exchange - Nevada Life and Health Insurance Guaranty Association - Licensing 1. Persons required to be licensed 2. Obtaining a license 3. Suspension, revocation, and refusal of license 4. Name of licensee 5. Termination of license 6. Renewal and continuing education - Definitions 1. Domestic, foreign, and alien 2. Premiums 3. Cost-sharing 4. Insurer 5. Transacting insurance 6. Certificate of authority 7. Authorized and unauthorized - Insurance Commissioner 1. Notice and hearings and penalties 2. Examinations 3. General powers and duties
Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Advertising - Credit life and health insurance - Group life and health insurance 1. Required provisions 2. Eligible groups
Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Medicare 1. Prescription Drug Plan 2. Medicare Advantage Plans 3. Medicare supplement regulation - Long Term Care - Coverage for reconstructive surgery - Mandatory policy clauses and provisions 1. Coverage for newborn children 2. Coverage for physical handicap or intellectual disability for dependent children 3. Coverage for preventive healthcare services - Hospice care
Accident & Health – General Knowledge	50%	- Social Insurance 1. Medicare Parts A, B, C, and D 2. Social Security benefits 3. Medicaid - Other Insurance Concepts 1. Subrogation 2. Dependent children benefits 3. Workers Compensation 4. Cost containment 5. Total, partial, recurrent, and residual disability 6. Owner's rights 7. Occupational vs. non-occupational 8. Nonduplication and coordination of benefits 9. Managed care 10. Modes of premium payments 11. Tax treatment of premiums and proceeds of insurance contracts 12. Primary and contingent beneficiaries - Policy Provisions, Clauses, and Riders 1. Riders Impairment and exclusions Guaranteed insurability Future increase option 2. Mandatory and optional provisions Entire contract Time limit on certain defenses Grace period Reinstatement Notice of claim Claim forms Proof of loss Time of payment of claims Payment of claims Physical examination and autopsy Legal actions Change of beneficiary Misstatement of age or gender Change of occupation Illegal occupation Relation of earnings to insurance 3. Other provisions and clauses Insuring clause Free look Consideration clause Probationary period Elimination period Waiver of premium Exclusions and limitations Preexisting conditions Coinsurance Deductibles Eligible expenses Copayments Pre-authorizations and prior approval requirements Usual, reasonable, and customary charges Lifetime, annual, or per cause maximum benefit limits 4. Rights of renewability Noncancelable Cancelable Guaranteed renewable - Field Underwriting Procedures 1. Submitting application and initial premium to company for underwriting 2. Replacement 3. Sources of insurability and HIPAA privacy information 4. Completing the application 5. Policy delivery 6. Initial premium payment and receipt 7. Explaining policy provisions, riders, exclusions, and ratings 8. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract - Types of Policies 1. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 2. Individual and Group Long Term Care Eligibility Levels of care 3. Group insurance Differences between individual and group contracts General characteristics COBRA 4. Medical expense insurance Basic hospital, medical, and surgical policies Major medical policies Health Maintenance Organizations Preferred Provider Organizations Point of Service plans Flexible Spending Accounts High Deductible Health Plans and Health Savings Accounts Health Reimbursement Accounts 5. Accidental death and dismemberment 6. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident 7. Medicare supplement policies

Insurance Licensing NV Accident and Health Sample Questions:

1. When must insurable interest generally exist in a life insurance transaction?

A) Only when the beneficiary is changed
B) Only when the death benefit is paid
C) At the time the policy is issued
D) Only after the policy has been in force for two years

2. An insured who owns a Disability Income policy forgot to pay the premium due on July 1. If the insured files a disability claim on July 31, the insurance company will MOST likely:

A) reinstate the policy and then pay the claim
B) cancel the policy and return all premiums paid
C) deny the claim
D) pay the claim but deduct the unpaid premium

3. Which of the following benefits are usually EXCLUDED or limited under a Long Term Care policy?

A) Home health care
B) Hospice care
C) Skilled nursing
D) Addictive behavior rehabilitation

4. Which of the following information is included in the Consideration clause in an Accident and Health policy?

A) Description of the coverage provided
B) Explanation of the Contestable periods
C) Duration of the Grace Period
D) Schedule and amount of premium payments

5. Which underwriting duty is most directly performed by a producer during a life insurance application interview?

A) Determining the insurer's final premium classification
B) Approving all policy loans
C) Paying claims from insurer reserves
D) Gathering complete application information and observing apparent risk factors

Solutions:

Question # 1
Answer: C

Question # 2
Answer: D

Question # 3
Answer: D

Question # 4
Answer: D

Question # 5
Answer: D

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