Nevada Insurance Licensing InsNV_Health02 Real Exam Dumps [September 2026 Update]

The Nevada Accident and Health exam is graded as two independent sections, and each section must reach 70% on its own – a combined average is not calculated. A candidate who scores 82% on the General Knowledge section and 68% on the Nevada State-Specific section fails the entire exam. They must reschedule, pay the exam fee again, and retake both sections. This two-threshold structure changes how preparation should be allocated, because the Nevada State-Specific section (38 scoreable questions) tests content that most general A&H study materials – flashcard decks, national practice banks, general insurance textbooks – do not cover at the regulatory precision Nevada requires. Nevada’s mental health parity statute goes beyond the federal Mental Health Parity and Addiction Equity Act with state-specific requirements for substance abuse coverage. Nevada has specific provisions governing reconstructive surgery coverage triggers, specific LTC partnership program rules, and specific hospice care coverage mandates. These are not general insurance concepts dressed in Nevada language – they are Nevada-specific legislative requirements with specific conditions and thresholds that the state section tests precisely. Candidates who pass the General Knowledge section comfortably on their first attempt and fail the state-specific section have a study allocation problem, not a knowledge problem. Fixing it requires adding Nevada DOI and NAC Chapter 689A-695 materials to the preparation mix alongside the general concepts.

The Nevada InsNV_Health02 (NV Accident and Health) is the Accident and Health insurance producer license examination administered by Pearson VUE for the Nevada Division of Insurance. Passing InsNV_Health02 is required to obtain an Accident and Health producer license in Nevada – authorizing the sale of health insurance, disability income insurance, long-term care insurance, Medicare supplement plans, ACA Marketplace plans, and group health benefits. The exam has two scored sections totaling 88 scoreable questions, each requiring a minimum 70% passing score.

Cert Empire’s InsNV_Health02 exam questions cover both sections at the precision each requires – the federal and general insurance knowledge for General Knowledge, and the Nevada-specific regulatory requirements for the State-Specific section.

Exam Snapshot

The Two-Section Structure – Why Each Matters

Both must be passed in the same exam sitting. Failing either section requires rescheduling and retaking the full exam.

Section 1: General Knowledge Content (50 Scoreable Questions)

Topic I: Types of Health and Accident Policies

Disability income insurance: Provides income replacement when the insured cannot work due to illness or injury. Key concepts the exam tests: the definition of disability (own-occupation versus any-occupation – a significant difference in benefit eligibility), elimination period (the waiting period before benefits begin, functioning like a deductible in time), and benefit period (how long benefits are paid – short-term disability typically up to 2 years, long-term disability potentially to age 65 or lifetime). The exam tests total disability (completely unable to work), partial disability (can perform some but not all duties), residual disability (return to work but with reduced income due to the same condition), and recurrent disability (when a prior disability recurs after return to work – whether it is treated as a continuation of the prior claim or a new claim depends on the policy’s recurrent disability provision).

Accidental death and dismemberment (AD&D): Pays a principal sum upon accidental death and a percentage of the principal sum upon specified dismemberment (loss of limb, sight, hearing). The exam tests what constitutes an accident under AD&D (must be sudden, unforeseeable, external, and the direct cause of death or dismemberment – disease is not covered), the difference between 24-hour coverage and off-the-job-only coverage, and how AD&D riders interact with underlying health or life policies.

Medical expense insurance: The exam tests the structure of comprehensive medical expense coverage: basic hospital expense coverage (room and board, hospital services), basic surgical expense coverage (surgeon’s fees), basic medical expense coverage (physician visits), and major medical expense coverage (high limits for catastrophic costs, typically with a deductible and coinsurance). The exam tests deductibles (amount the insured pays before insurance begins), coinsurance (percentage of costs shared between insurer and insured after the deductible), and out-of-pocket maximums (the annual cap on the insured’s cost-sharing obligation under ACA-compliant plans).

Medicare supplement (Medigap) policies: Standardized supplemental policies that fill gaps in Original Medicare coverage. Since June 2010, Medigap plans are standardized as Plans A through N (with Plans C and F no longer available to new Medicare enrollees after January 1, 2020). The exam tests what each lettered plan covers, the guaranteed issue rights that allow purchase without medical underwriting in specific circumstances, and the annual open enrollment period (six months beginning the month an individual turns 65 and enrolls in Medicare Part B).

Group insurance: The exam tests the fundamental difference between group and individual health coverage: group policies cover a defined group (employees of a company, members of an association), individual certificates of insurance rather than individual policies, minimum participation requirements (typically 75% of eligible employees for employer-sponsored groups), and employer contribution requirements that reduce adverse selection. The exam tests conversion rights – the right to convert group coverage to an individual policy without evidence of insurability when group coverage ends.

Long-Term Care (LTC) insurance: Pays for custodial care services (assistance with Activities of Daily Living – ADLs: bathing, dressing, eating, toileting, transferring, continence) in nursing homes, assisted living facilities, adult day care, and home care settings. Benefit triggers: inability to perform a specified number of ADLs (typically 2 of 6) or cognitive impairment requiring supervision. The exam tests elimination periods (30, 60, 90, or 180 days of qualifying care before benefits begin), benefit periods, inflation protection riders, and the tax status of qualified LTC policies.

Limited benefit plans: Policies that provide defined cash benefits for specific conditions or events (hospital indemnity, specified disease/cancer-only, accidental injury) rather than comprehensive health coverage. The exam tests what limited benefit plans cover and the regulatory requirement to clearly disclose their limited nature to consumers so they are not confused with comprehensive health insurance.

Topic II: Policy Provisions, Clauses, and Riders

Mandatory uniform provisions: Specific provisions that every individual A&H policy must contain by law. The exam tests each mandatory provision’s purpose:

• Entire contract: The policy and application constitute the entire contract – the insurer cannot rely on documents not included in the policy.
• Time limit on certain defenses (incontestability): After two years (three years in some provisions), the insurer cannot contest the policy for misrepresentation (except fraudulent misstatement), and cannot deny a claim for a pre-existing condition not disclosed in the application (after the specified period).
• Grace period: A 10-day grace period for weekly premium policies, 31 days for monthly or longer – the policy remains in force if the premium is paid during the grace period.
• Reinstatement: Rights and conditions for reinstating a lapsed policy.
• Notice of claim: Insured must provide written notice of claim within 20 days of loss (or as soon as reasonably possible).
• Claim forms: Insurer must provide claim forms within 15 days of receiving notice of claim.
• Proof of loss: Written proof of loss must be submitted within 90 days of the loss.
• Time of payment of claims: Benefits must be paid immediately upon receipt of proof of loss (for periodic payments, at least monthly).
• Physical examination and autopsy: Insurer has the right to conduct physical examinations during the pending claim.
• Legal actions: Insured cannot bring a legal action before 60 days after proof of loss nor more than three years after proof of loss is required.
• Change of beneficiary: The right of the insured to change the beneficiary unless a designation is irrevocable.

Optional provisions: Provisions that insurers may include but are not required. The exam tests common optional provisions: change of occupation (premium or benefit adjustment when the insured changes to a more or less hazardous occupation), misstatement of age (premium or benefit adjustment when the insured’s age was misstated on the application), other insurance with this insurer (coordination of multiple policies with the same insurer), insurance with other insurers (prorated benefits when total coverage exceeds actual expenses), and relation of earnings to insurance (benefit reduction when disability income benefits exceed the insured’s pre-disability earnings).

Rights of renewability: The exam tests four renewability designations in order of protection for the insured:

• Cancellable: Insurer can cancel at any time with required notice.
• Optionally renewable: Insurer can refuse renewal only at policy anniversary or premium due date.
• Conditionally renewable: Insurer can refuse renewal only under specific conditions stated in the policy (not based on health status).
• Guaranteed renewable: Insurer must renew as long as premiums are paid; insurer cannot change individual policy provisions but can change rates by class.
• Non-cancellable: Insurer must renew and cannot increase premiums for the guaranteed period.

Topic III: Social Insurance Programs

Medicare – the four parts the exam tests in detail:

Medicare Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care (following a qualifying hospital stay of at least 3 days), home health care, and hospice care. Part A is premium-free for most beneficiaries (those with sufficient work history). The exam tests the inpatient hospital benefit period (begins when the patient is admitted and ends after 60 consecutive days out of the hospital), the deductible per benefit period, and the daily coinsurance for days 61-90 and lifetime reserve days 91-150.

Medicare Part B (Medical Insurance) covers physician services, outpatient hospital services, preventive services, durable medical equipment, and home health care not covered by Part A. Part B has a monthly premium (income-related for higher earners – IRMAA), an annual deductible, and 20% coinsurance after the deductible for most covered services. The exam tests Part B enrollment: the Initial Enrollment Period (7 months centered on the month of turning 65), the General Enrollment Period (January 1 – March 31 each year, with coverage beginning July 1), and the late enrollment penalty (10% premium increase per 12-month period of delay beyond the initial enrollment period).

Medicare Part C (Medicare Advantage) allows Medicare beneficiaries to receive their Part A and Part B benefits through a private health plan (HMO, PPO, or other plan types) that contracts with CMS. Medicare Advantage plans often include Part D drug coverage and may include additional benefits (dental, vision, hearing). The exam tests the differences between Original Medicare and Medicare Advantage in terms of network restrictions, prior authorization requirements, and out-of-pocket cost structures.

Medicare Part D (Prescription Drug Coverage) provides outpatient prescription drug coverage through private plans. The exam tests the standard Part D benefit structure: the deductible, the initial coverage phase (copays/coinsurance up to the initial coverage limit), and catastrophic coverage (greatly reduced cost-sharing after reaching the out-of-pocket threshold). The exam also tests late enrollment penalties: 1% of the national base beneficiary premium per month without creditable coverage.

Medicaid: The joint federal-state program providing health coverage for individuals with low incomes. Unlike Medicare (which is age/disability-based), Medicaid eligibility is income and assets-based. The exam tests the ACA Medicaid expansion (states that expanded Medicaid now cover adults with incomes up to 138% of the federal poverty level), the difference between Medicaid and Medicare in terms of who they serve, and the Medicaid spend-down concept (for individuals with incomes above Medicaid limits who can qualify by incurring medical expenses that reduce their income to the Medicaid level).

Social Security Disability Insurance (SSDI): Provides income to disabled workers who have accumulated sufficient Social Security work credits. The exam tests the definition of disability under SSDI (inability to engage in any substantial gainful activity due to a medically determinable physical or mental impairment expected to last at least 12 months or result in death – stricter than most private insurance definitions), the five-month waiting period before benefits begin, and the Medicare eligibility that follows 24 months of SSDI receipt.

Topic IV: Other Insurance Concepts

Coordination of Benefits (COB): When an insured has coverage under more than one health plan, COB determines which plan pays first (primary) and which pays second (secondary) to prevent total benefits from exceeding 100% of covered expenses. The birthday rule determines primary coverage for dependent children covered by both parents’ plans: the plan of the parent whose birthday falls earliest in the calendar year is primary. The exam tests COB rules, the non-duplication provision (secondary plan pays only what the primary plan did not cover, up to the secondary plan’s benefit limits), and the coordination of benefits with Medicare.

Tax treatment of health insurance premiums and benefits: Employer-paid group health insurance premiums are excluded from employees’ gross income. Employee contributions through a Section 125 cafeteria plan are also pre-tax. Self-employed individuals can deduct health insurance premiums as an above-the-line deduction. Individually purchased insurance premiums are deductible only as itemized medical expenses exceeding 7.5% of AGI. Health insurance proceeds paid as reimbursements for actual medical expenses are generally tax-free.

COBRA continuation coverage: Federal law requiring group health plans with 20 or more employees to offer continuation coverage to qualified beneficiaries who lose coverage due to qualifying events. Qualifying events for employees: voluntary or involuntary termination of employment (other than gross misconduct), reduction in hours. For dependents: divorce, death of covered employee, loss of dependent status, Medicare entitlement. COBRA coverage period: 18 months for employee termination/hour reduction; 36 months for most other qualifying events. The exam tests election period (60 days to elect), premium (up to 102% of plan cost), and maximum continuation period.

HIPAA portability: HIPAA limits pre-existing condition exclusion periods in group health plans, prohibits discrimination based on health status in group coverage, and guarantees availability of individual health insurance in certain circumstances. The ACA built on and largely superseded HIPAA portability provisions.

Managed care plan types:

• HMO (Health Maintenance Organization): Network-based, requires a primary care physician (PCP) as gatekeeper for specialist referrals, no coverage outside the network except emergencies, lowest out-of-pocket costs within network.
• PPO (Preferred Provider Organization): Network with financial incentives to use preferred providers, no referral required, reduced coverage (not no coverage) for out-of-network services, higher premiums but more flexibility than HMO.
• POS (Point of Service): HMO-PPO hybrid – requires PCP referral for in-network specialist visits but allows out-of-network access (at higher cost) without a referral.
• HDHP/HSA (High Deductible Health Plan paired with Health Savings Account): Plan with higher deductible and out-of-pocket maximum meeting IRS thresholds, paired with a tax-advantaged HSA for paying qualified medical expenses. HSA funds roll over year to year and are owned by the employee.

Section 2: Nevada State-Specific Content (38 Scoreable Questions)

Nevada Statutes Common to Life and Health Insurance

Advertising regulations: Nevada insurance advertising regulations prohibit misleading, deceptive, or unfair advertising. The exam tests the Nevada requirement that insurance advertisements be truthful, clearly identify the type of insurance being advertised, and not use testimonials in misleading ways. Insurance producers must not use advertising that implies government affiliation or endorsement if none exists – a particularly tested issue in Medicare-related advertising where government program names can create misleading impressions.

Group life and health insurance Nevada requirements: Nevada follows standard group insurance requirements but has state-specific provisions the exam tests: minimum group size requirements, conversion rights for employees leaving the group, and notice requirements when group coverage is terminated.

Viatical settlements: A viatical settlement is the purchase of a life insurance policy from a terminally ill insured for a lump sum less than face value. Nevada regulates viatical settlements through licensing requirements for viatical settlement providers and brokers, disclosure requirements to the viator, and a rescission period during which the viator can cancel the settlement. The exam tests Nevada’s viatical settlement regulatory framework.

Nevada-Specific Accident and Health Statutes

Mental health parity – Nevada’s expanded requirements: Nevada’s mental health parity law requires insurance policies that cover mental health and substance use disorders to provide coverage on terms no more restrictive than coverage provided for medical and surgical conditions. Nevada’s statute extends this requirement beyond the federal Mental Health Parity and Addiction Equity Act’s scope. The exam tests that coverage for the treatment of alcohol abuse and drug abuse must be included in individual and group health policies on parity with medical conditions – not as a limited rider or with sub-limits that would not be applied to comparable medical conditions.

Mandatory policy clauses and provisions – Nevada-specific: The exam tests the specific mandatory clauses Nevada requires in individual accident and health policies beyond the Uniform Provisions. Nevada’s insurance code specifies additional required disclosures, required notice periods, and prohibited practices that are specific to the state regulatory framework.

Reconstructive surgery coverage: Nevada law requires health insurance policies to provide coverage for reconstructive surgery following a mastectomy. The Women’s Health and Cancer Rights Act (WHCRA) is the federal law establishing this requirement for group plans, but Nevada extends comparable requirements to individual policies and specifies the scope: reconstruction of the breast on which the mastectomy was performed, surgery and reconstruction of the other breast to produce symmetrical appearance, and prostheses and treatment of physical complications of mastectomy including lymphedema. The exam tests the specific Nevada mandate and what coverage must be included.

Hospice care coverage: Nevada insurance law requires that health insurance policies covering hospital or medical expense insurance include coverage for hospice care services for terminally ill insureds. Hospice care provides palliative (comfort-focused) rather than curative care for individuals with a terminal illness with a life expectancy of six months or less. Nevada’s statute specifies that the hospice care benefit cannot be subject to annual or lifetime dollar limits that are more restrictive than those applicable to other medical benefits in the same policy.

Long-Term Care insurance – Nevada-specific requirements: Nevada has specific statutory requirements for LTC insurance sold in the state. The exam tests Nevada’s LTC provisions: the required disclosure that LTC insurance is not Medicare or Medicaid supplement coverage, the required 30-day free look period (allowing the purchaser to return the policy within 30 days for a full premium refund), prohibitions on certain policy exclusions (LTC policies cannot exclude coverage for Alzheimer’s disease or other forms of dementia), and Nevada’s LTC Partnership Program (which allows individuals who purchase qualified LTC Partnership policies to receive Medicaid benefits while protecting a portion of their assets equal to the amount of LTC benefits paid – reducing spend-down requirements).

Medicare supplement insurance – Nevada requirements: Nevada requires that Medigap policies sold in the state comply with the standardized plan designations and be offered during guaranteed issue periods without medical underwriting. The exam tests Nevada’s specific Medigap regulations including the required disclosure that Medicare supplement policies are not connected to or endorsed by the federal government.

Nevada Division of Insurance authority: The exam tests the role of the Nevada Commissioner of Insurance: licensing producers, approving policy forms, investigating consumer complaints, and taking disciplinary action against licensees who violate Nevada insurance law. The Commissioner’s authority is granted by the Nevada Insurance Code (NRS Title 57) and implemented through Nevada Administrative Code regulations.

What to Expect on Exam Day

The exam is delivered at Pearson VUE testing centers in Las Vegas and Reno, with online remote proctoring also available. Candidates check in with a government-issued photo ID. The testing software presents both sections sequentially – candidates move from General Knowledge into the Nevada State-Specific section without a break between them. The pretest questions (10 in General Knowledge, 7 in State-Specific) are randomly distributed throughout each section and are not identified – all 60 and 45 questions respectively must be answered, but only the scoreable questions count toward the 70% threshold.

Results are provided immediately at the testing center. A passing score notification is available on screen and in printed form. Candidates who pass must apply for their Nevada Accident and Health producer license through the Nevada Division of Insurance within a specified period after passing.

5 Study Tips for Nevada InsNV_Health02

• Tip 1: Treat the Nevada State-Specific section as a separate exam requiring separate preparation. Add the Nevada Division of Insurance’s candidate handbook, Nevada Revised Statutes Title 57, and Nevada Administrative Code Chapters 689A-695 to your study materials alongside any general A&H course.
• Tip 2: Memorize the mandatory Uniform Individual Accident and Sickness Policy Provisions with their specific time requirements – 20 days for notice of claim, 15 days for claim forms, 90 days for proof of loss, 60 days minimum before legal action. These specific numbers appear in exam questions.
• Tip 3: Study all four Medicare parts (A, B, C, D) with their specific benefit structures, enrollment periods, and late-enrollment penalties. Medicare questions frequently appear in both the General Knowledge section (how Medicare works) and the Nevada State-Specific section (Nevada Medicare supplement requirements).
• Tip 4: Study the Nevada-specific mandates that go beyond federal requirements: the expanded mental health/substance abuse parity provisions, the specific reconstructive surgery coverage scope, the 30-day LTC free look period, and the Nevada LTC Partnership Program. These are the most distinctively Nevada questions.
• Tip 5: Practice with Cert Empire’s InsNV_Health02 exam questions built across both sections – General Knowledge and Nevada State-Specific – with each section’s content weighted correctly to the actual question count.

Best Study Resources

• Cert Empire InsNV_Health02 exam questions PDF and practice simulator (2026 Nevada edition).
• Nevada Division of Insurance candidate handbook (doi.nv.gov) – the authoritative source for exam format, content outline, and Nevada-specific material.
• Pearson VUE Nevada Insurance exam registration portal.
• Nevada Revised Statutes Title 57 (Insurance Code) – the statutory basis for state-specific questions.
• XCEL Solutions Nevada A&H exam prep course and study tools.
• Kaplan Financial Education Nevada A&H pre-licensing and exam prep materials.

Career Opportunities After InsNV_Health02

• Health Insurance Producer (Individual Markets)
• Medicare Supplement and Medicare Advantage Agent
• ACA Marketplace Navigator / Certified Application Counselor
• Group Health Benefits Broker
• Disability Income Specialist
• Long-Term Care Insurance Producer

The Accident and Health license is the entry point for the fastest-growing segments of the insurance market. Medicare Advantage enrollment continues to grow as the baby boomer generation ages into Medicare eligibility. ACA Marketplace enrollment reached record highs in 2025-2026 with enhanced premium subsidies. LTC insurance demand is increasing as the population ages and awareness of care costs grows. Nevada’s growing population – particularly the Las Vegas and Reno metropolitan areas – supports strong demand for licensed A&H producers. Nevada health insurance producers earn between USD 45,000 and USD 95,000 in base income, with successful Medicare and group health specialists earning well above that range through commissions and renewal income.

Why Candidates Choose Cert Empire for InsNV_Health02 Preparation

✔ Both-section coverage – General Knowledge and Nevada State-Specific in one question bank. Our InsNV_Health02 questions are divided by section, allowing focused preparation for each independently to ensure both reach the 70% threshold.

✔ Nevada-specific mandate questions. We test Nevada’s expanded mental health parity requirements, reconstructive surgery coverage scope, LTC 30-day free look period, Nevada LTC Partnership Program, and hospice care mandate at the statutory precision the state section requires.

✔ Uniform Provisions with time-specific number questions. Our questions test the exact day requirements (20, 15, 90, 60-day provisions) that appear consistently across exam sittings.

✔ Medicare four-part questions with enrollment period detail. We test all four Medicare parts including late enrollment penalties, guaranteed issue for Medigap, and the difference between Original Medicare and Medicare Advantage.

✔ Practice under real exam conditions with the Cert Empire Exam Simulator. Our InsNV_Health02 simulator presents both sections in timed conditions matching the real exam’s structure, with separate scoring for General Knowledge and Nevada State-Specific so candidates can identify which section needs more work before exam day.

✔ Instant access, 90-day free updates, and 24/7 support. As Nevada DOI updates exam content and Nevada insurance statutes change, your materials update automatically. Our support team is available around the clock.

✔ Backed by a full money-back guarantee. If our exam questions do not help you pass, we refund your purchase with no conditions.

FAQ’s

What is the Nevada InsNV_Health02 exam?

InsNV_Health02 is the Nevada Division of Insurance licensing exam for the Accident and Health producer license. It is administered by Pearson VUE and consists of two sections: General Knowledge (50 scoreable questions) and Nevada State-Specific (38 scoreable questions). Passing this exam authorizes the licensee to sell health insurance, disability, LTC, Medicare supplement, ACA Marketplace, and group health products in Nevada.

What is the passing score for InsNV_Health02?

70% on each section independently. General Knowledge requires at least 35 of 50 scoreable questions correct. Nevada State-Specific requires at least 27 of 38 scoreable questions correct. Failing either section requires retaking the entire exam.

Do pretest questions count toward my score?

No. The 10 pretest questions in General Knowledge and the 7 pretest questions in the State-Specific section are not scored. They are used by the exam developer to evaluate new questions for future use. They are mixed in with the scoreable questions and cannot be identified during the exam.

What pre-licensing education is required before taking InsNV_Health02?

Nevada requires completion of a Division-approved pre-licensing education course before sitting for the insurance exam. For the Accident and Health license, the requirement is 20 hours of pre-licensing education. Candidates must attest to completion of this requirement when registering for the exam.

What happens after I pass InsNV_Health02?

Candidates who pass must submit a producer license application to the Nevada Division of Insurance through NIPR (National Insurance Producer Registry) or Sircon, provide fingerprints for a background check, and pay the applicable license fee. Applications submitted through NIPR that meet all requirements are typically approved quickly. The exam result does not constitute a license – the license is issued by the Nevada Division of Insurance after the application is reviewed and approved.

Can I take the exam at any Pearson VUE location?

Nevada insurance licensing exams are available at Pearson VUE Professional Testing Centers. Testing centers in Las Vegas and Reno are the primary Nevada locations. Remote online proctoring may also be available. Candidates should verify current options at the Pearson VUE Nevada insurance exam scheduling page.

How much does the InsNV_Health02 exam cost?

Exam fees are set by Pearson VUE and are subject to change. Candidates should verify the current fee at the Pearson VUE Nevada insurance exam portal when scheduling. Fees are non-refundable if the candidate does not appear or fails to cancel within the required notice period.

Related Certifications Worth Exploring

Nevada InsNV_Health02 producers expanding their health and life insurance knowledge will find our CA PSI CA-Life-Accident-and-Health exam questions page covers closely related accident, health, disability, life insurance, policy provisions, and producer responsibilities that complement Nevada A&H licensing knowledge. For those broadening their expertise across life, annuity, and health insurance products, our Virginia Life, Annuities, and Health Insurance exam questions page covers health coverage, life policies, annuities, ethics, consumer protection, and producer compliance concepts relevant to multi-line insurance professionals.