Free Nevada Life Accident Health Practice Test Online

Correct answer: B. Life insurance, accident and health insurance, and annuity contracts under one combined line of authority

Correct. The combined Life, Accident and Health line of authority under NRS 683A.261 covers life insurance (including annuities, as life contracts under NRS 688A) together with accident and health insurance, letting one license holder transact both without holding two separate standalone licenses.

• A: Nevada does not require a separate license layered on top of the combined line just to sell health coverage or annuities; those fall within the combined authority.
• C: Property and casualty is a distinct line of authority under NRS 683A.261 and is not included within the life/accident/health combined line.
• D: The combined license is not limited to group health sold to employers; it also covers individual life, individual and group health, and annuity business.

Correct answer: B. It consolidates licensing, appointment, and renewal into a single line of authority rather than tracking two separate licenses

Correct. Holding the combined line of authority means the producer manages one license category covering life, health, accident, and annuity business, rather than separately applying for, tracking, and renewing two distinct single-line licenses.

• A: Continuing education is still required for the combined line; it is not eliminated by combining life and health under one authority.
• C: The producer must still pass the examination content covering both life and health topics; the combined line does not waive testing.
• D: The combined life/accident/health line does not extend into property and casualty, which remains a separate line of authority.

Correct answer: B. A score of 70 or more, within 1 year immediately preceding the date of application

Correct. An applicant must attain a score of 70 or more on the applicable examination, and the exam must have been successfully completed within the 1-year period immediately preceding the date of the license application.

• A: 60 is below the actual minimum passing threshold Nevada requires.
• C: 80 overstates Nevada's actual minimum passing score, and the statute does impose a time limit on how recently the exam must have been passed.
• D: Nevada does require a specific minimum passing score on the licensing examination, not merely completion.

Correct answer: B. Continuing education related to the line or lines of insurance for which the licensee holds the license, which for this combined license includes both life and health subject matter

Correct. NAC 683A.330 requires continuing education hours to relate to the line or lines of insurance for which the licensee holds a license; for the combined life/accident/health line, that means CE content should reasonably cover both life and health subject matter across the 30-hour, 3-year cycle.

• A: CE content must relate to the lines actually held; simply holding the combined license does not exempt the producer from health-related CE content.
• C: The combined license does not exempt the holder from the standard 30-hour continuing education requirement.
• D: Ethics is only 3 of the 30 required hours; product-specific content covering the licensee's lines is also required.

Correct answer: B. 10 days

Correct. NRS 688A.165 gives the owner 10 days from delivery of the contract or policy to surrender it with a written request for cancellation and receive a refund of premiums, including fees and other charges.

• A: 5 days is shorter than the actual free-look period Nevada provides for a standard new life policy.
• C: 20 days overstates the standard free-look period for a new (non-replacement) individual life policy in Nevada.
• D: 30 days is the extended free-look period Nevada applies to certain replacement policies, not the standard period for a brand-new, non-replacement life policy.