- Exam InsNV_LAH05 costs $47 and has 159 questions (144 scored, 15 unscored pretest).
- You get 3 hours 35 minutes; passing requires a scaled score of 70, not 70% correct.
- 13 domains split across Life, Health, and Nevada statutes - memorize the split, not just the count.
- The Life/Health Combo is test-center only; standalone Life or Health exams can run on OnVUE.
Quick Facts Snapshot
This is the one-page version of everything covered in more depth across our NVLH Study Guide 2026. Bookmark it, print it, or keep it open on a second monitor during your final review week. Every number below is pulled directly from the current Nevada Division of Insurance outline administered through Pearson VUE.
| Item | Detail |
|---|---|
| Governing body | Nevada Department of Business and Industry, Division of Insurance |
| Testing provider | Pearson VUE |
| Exam code | InsNV_LAH05 |
| Fee | $47 |
| Total questions | 159 (144 scored, 15 unscored pretest) |
| Time limit | 3 hours 35 minutes |
| Passing standard | Scaled score of 70 (not 70% correct) |
| Delivery for Combo | Test-center only |
| Delivery for standalone Life/Health | Available via OnVUE |
| Outline in effect | October 1, 2024 through November 13, 2026 |
Exam Mechanics You Cannot Get Wrong
Before you touch a single flashcard, lock in these mechanical facts. Getting the format wrong on exam day (wrong test center, wrong assumption about breaks, wrong expectation about time) costs candidates more than weak content knowledge does.
- 159 total questions: 144 are scored, 15 are unscored pretest questions used by the Division to evaluate future exam items.
- 3 hours 35 minutes is the full time allotment for the combined Life/Health exam under code InsNV_LAH05.
- Test-center only for the Combo: If you're sitting for the combined Life & Health producer exam, you must go to a physical Pearson VUE test center. The separate standalone Life exam and standalone Health exam can be scheduled through OnVUE for remote testing, but the combo cannot.
- $47 exam fee is paid directly to Pearson VUE when you schedule.
For a deeper breakdown of how the scaled score actually works and why "70" doesn't mean 70 out of 100, see NVLH Passing Score 2026: Exactly What You Need to Pass. If you're still deciding whether the combined exam is more efficient than sitting for Life and Health separately, our difficulty guide walks through both paths.
Life Domains 1-4: The Core Numbers
The current outline groups Life content into four domains. Domain 1's question count isn't printed on the official outline directly, but it follows logically from the 50-question Life subtotal once you subtract the other three domains - landing at 15 scored questions.
Domain 1: Types of Policies
Covers term, whole life, universal life, variable products, and how each policy type structures death benefits and cash value. This is foundational vocabulary that resurfaces in every other Life domain.
- Distinguish level term from decreasing/increasing term
- Know how universal life flexibility differs from whole life guarantees
Domain 2: Life Provisions, Riders, Options, and Exclusions
Tests your grasp of nonforfeiture options, settlement options, riders (waiver of premium, accidental death, guaranteed insurability), and standard exclusions like suicide clauses.
- Memorize the difference between riders that add benefits and exclusions that remove coverage
- Know settlement option names cold - they're easy to confuse under time pressure
Domain 3: Completing the Application, Underwriting, and Delivering the Policies
Covers the field underwriting process from application through policy delivery, including insurable interest, misrepresentation, and conditional receipts.
- Understand what happens if a policy is delivered but premium wasn't collected
- Know the producer's role versus the underwriter's role
Domain 4: Retirement and Other Insurance Concepts
Focuses on annuities, qualified vs. nonqualified retirement plans, and how these products intersect with life insurance planning.
- Know annuity payout options and accumulation vs. annuitization phases
- Understand how qualified plan tax treatment differs from nonqualified
For the full weighting breakdown across all 13 domains - not just Life - see NVLH Exam Domains 2026: Complete Guide to All 13 Content Areas.
Health Domains 5-9: The Core Numbers
Health content mirrors the Life structure with a parallel Domain 5 also titled "Types of Policies" - don't let the repeated name confuse your notes. Keep separate flashcard decks for Life Domain 1 and Health Domain 5.
Domain 5: Types of Policies
Health-specific policy types: individual health, group health, disability income, long-term care, and managed care structures like HMOs and PPOs.
- Compare indemnity plans against managed care plans
- Know how disability income policies define "disability"
Domain 6: Policy Provisions, Clauses, and Riders
Covers mandatory and optional policy provisions required in health contracts, plus common riders and exclusions.
- Memorize which provisions are legally required versus optional
- Understand pre-existing condition clauses and waiting periods
Domain 7: Social Insurance
Tests knowledge of Medicare, Medicaid, and Social Security disability - how these government programs interact with private health coverage.
- Know Medicare Parts A, B, C, D distinctions
- Understand Medicaid eligibility basics as they relate to insurance sales
Domain 8: Other Insurance Concepts
Covers COBRA, HIPAA portability, coordination of benefits, and other cross-cutting health insurance mechanics.
- Know coordination of benefits rules when a client has dual coverage
- Understand continuation and conversion rights
Domain 9: Field Underwriting Procedures
Parallels Domain 3 but for health products - application completion, replacement rules, and producer responsibilities at point of sale.
- Know Nevada's replacement notice requirements
- Understand what makes an application "complete" for underwriting purposes
Nevada Statutes Domains 10-13
This is the section that trips up out-of-state transplants and candidates who study only generic national content. Four domains are dedicated entirely to Nevada-specific law, and they cannot be skipped or guessed through.
Domain 10: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance
Broad producer licensing law that applies across every line - license requirements, continuing education, and general conduct standards under Nevada Revised Statutes.
- Know licensing renewal cycles and grounds for license suspension
Domain 11: Nevada Statutes and Codes Common to Life and Health Insurance Only
Narrower statutes that apply specifically where Life and Health overlap, including unfair trade practices and replacement regulations.
- Distinguish unfair claims practices from unfair marketing practices under Nevada code
Domain 12: Nevada Statutes and Codes Pertinent to Life Insurance Only
Life-specific statutory requirements: free-look periods, policy loan provisions, and Nevada's specific nonforfeiture law.
- Know Nevada's free-look period length and how it differs from generic national defaults
Domain 13: Nevada Statutes and Codes Pertinent to Health Insurance Only
Health-specific Nevada statutes, including small group market rules and mandated benefits unique to the state.
- Know which benefits Nevada mandates that aren't federally required
Because these four domains are drawn from state code rather than general insurance principles, they don't overlap with study material from other states' licensing exams. If you're relying on a multi-state prep course, cross-check every statute question against Nevada's actual code - don't assume generic answers transfer. Our NVLH Requirements guide covers the licensing prerequisites that connect directly to Domain 10.
Scoring: Scaled Score 70, Not 70%
One of the most misunderstood facts about this exam: passing requires a scaled score of 70, and that number does not mean "70% of questions correct." Scaled scoring adjusts for the difficulty of the specific question set you received, including the unscored pretest items mixed in. You cannot back-calculate your score from a raw count of right answers.
Key Takeaway
Don't waste exam-day mental energy trying to count how many questions you think you got right. Focus on accuracy per domain and let the scaled scoring system do its job - it's designed to be fair across different test forms.
For the full mechanics of how scaled scoring works on this specific exam, read NVLH Passing Score 2026: Exactly What You Need to Pass.
Registration, Fingerprints, and Deadlines
Passing the exam is only half the process. Two administrative steps catch candidates off guard:
- 1-year application window: You must submit your producer license application within one year of passing the exam. Miss this window and you may need to retest.
- Fingerprint documentation: Required as part of the license application - plan ahead since fingerprint processing isn't instant.
- Scheduling logistics: The Combo exam must be scheduled at a physical Pearson VUE test center; confirm your location and ID requirements before exam day.
A full walkthrough of the fee structure, including how the $47 exam fee fits into total licensing costs, is in NVLH Certification Cost 2026: Complete Pricing Breakdown. If you're mapping out when to schedule relative to the November 14, 2026 outline change, check NVLH Exam Dates 2026: Testing Windows, Deadlines & Scheduling before you commit to a test date.
A One-Week Cram Plan Using This Sheet
If you already have foundational knowledge and just need a structured final push, here's how to sequence a compressed review using the domain groupings above.
Life Domains 1-4
- Drill policy types, riders, exclusions, and underwriting flow
- Pair Domain 1 with Domain 5 comparisons to lock in terminology differences
Health Domains 5-9
- Focus on Medicare/Medicaid detail in Domain 7 - it's dense and easy to underestimate
- Review COBRA and coordination of benefits rules in Domain 8
Nevada Statutes Domains 10-13
- Read actual Nevada Revised Statutes sections, not just prep-course summaries
- Memorize Nevada's specific free-look period and mandated benefits
Full Review and Mixed Practice
- Run full-length timed practice questions to build stamina for the 3-hour 35-minute window
- Review missed questions by domain, not just overall score
This compressed plan assumes prior exposure to the material. If you're starting from zero, spread this same sequence across several weeks - our full NVLH Study Guide 2026 lays out a longer-format version with the same domain logic.
Who This Exam Is Actually For
Passing this exam is the gateway to becoming a licensed Life and Health insurance producer in Nevada. It's the required step before you can sell life insurance, annuities, disability income, long-term care, and health insurance products in the state. Agencies, independent brokerages, and carriers hiring in Nevada typically require this license as a baseline before a producer can write business.
If you're weighing whether the licensing path is worth pursuing relative to the time and cost involved, Is the NVLH Certification Worth It? Complete ROI Analysis 2026 breaks down the considerations, and NVLH Jobs covers the kinds of roles this license opens up. For practicing under realistic timed conditions before your actual appointment, our practice test platform mirrors the domain structure covered in this sheet.
FAQ
159 total questions: 144 are scored and 15 are unscored pretest questions you cannot distinguish from the scored ones during the test.
3 hours and 35 minutes for exam InsNV_LAH05, the combined Life/Health producer exam.
No. The Life/Health Combo must be taken at a physical Pearson VUE test center. Only the separate standalone Life exam and standalone Health exam are available through OnVUE.
It means your score has been adjusted to a standardized scale accounting for question difficulty - it is not the same as answering 70% of questions correctly. See our passing score guide for details.
You must submit your license application within one year of passing the exam, along with required fingerprint documentation.