NV Accident and Health — Information & Free Practice

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NV Accident and Health

Provider: Pearson VUE
Format: Multiple-choice; one score for the complete examination
Exam questions: 50 general scored questions plus 5 general pretest; 38 Nevada-specific scored questions plus 5 Nevada-specific pretest
Time limit: 2 hours 15 minutes
Passing score: Scaled score of 70
Exam fee: $37

Examination outline

Accident and health — General knowledge / I. TYPES OF POLICIES (16 questions)
- A. Disability income
- A. Disability income / 1. Individual disability income policy
- A. Disability income / 2. Business overhead expense policy
- A. Disability income / 3. Business disability buyout policy
- A. Disability income / 4. Group disability income policy
- A. Disability income / 5. Key employee policy
- B. Accidental death and dismemberment
- C. Medical expense insurance
- C. Medical expense insurance / 1. Basic hospital, medical, and surgical policies
- C. Medical expense insurance / 2. Major medical policies
- C. Medical expense insurance / 3. Health Maintenance Organizations (HMOs)
- C. Medical expense insurance / 4. Preferred Provider Organizations (PPOs)
- C. Medical expense insurance / 5. Point of Service (POS) plans
- C. Medical expense insurance / 6. Flexible Spending Accounts (FSAs)
- C. Medical expense insurance / 7. High Deductible Health Plans (HDHPs) and related Health Savings Accounts (HSAs)
- C. Medical expense insurance / 8. Health Reimbursement Accounts (HRAs)
- D. Medicare supplement policies
- E. Group insurance
- E. Group insurance / 1. Differences between individual and group contracts
- E. Group insurance / 2. General characteristics
- E. Group insurance / 3. COBRA
- F. Individual/Group Long Term Care (LTC)
- F. Individual/Group Long Term Care (LTC) / 1. Eligibility
- F. Individual/Group Long Term Care (LTC) / 2. Levels of care
- G. Other policies
- G. Other policies / 1. Dental
- G. Other policies / 2. Vision
- G. Other policies / 3. Cancer
- G. Other policies / 4. Critical illness or specified disease
- G. Other policies / 5. Worksite (employer-sponsored)
- G. Other policies / 6. Hospital indemnity
- G. Other policies / 7. Short-term medical
- G. Other policies / 8. Accident
Accident and health — General knowledge / II. POLICY PROVISIONS, CLAUSES, AND RIDERS (15 questions)
- A. Mandatory and optional provisions
- A. Mandatory and optional provisions / 1. Entire contract
- A. Mandatory and optional provisions / 2. Time limit on certain defenses (incontestable)
- A. Mandatory and optional provisions / 3. Grace period
- A. Mandatory and optional provisions / 4. Reinstatement
- A. Mandatory and optional provisions / 5. Notice of claim
- A. Mandatory and optional provisions / 6. Claim forms
- A. Mandatory and optional provisions / 7. Proof of loss
- A. Mandatory and optional provisions / 8. Time of payment of claims
- A. Mandatory and optional provisions / 9. Payment of claims
- A. Mandatory and optional provisions / 10. Physical examination and autopsy
- A. Mandatory and optional provisions / 11. Legal actions
- A. Mandatory and optional provisions / 12. Change of beneficiary
- A. Mandatory and optional provisions / 13. Misstatement of age or gender
- A. Mandatory and optional provisions / 14. Change of occupation
- A. Mandatory and optional provisions / 15. Illegal occupation
- A. Mandatory and optional provisions / 16. Relation of earnings to insurance
- B. Other provisions and clauses
- B. Other provisions and clauses / 1. Insuring clause
- B. Other provisions and clauses / 2. Free look
- B. Other provisions and clauses / 3. Consideration clause
- B. Other provisions and clauses / 4. Probationary period
- B. Other provisions and clauses / 5. Elimination period
- B. Other provisions and clauses / 6. Waiver of premium
- B. Other provisions and clauses / 7. Exclusions and limitations
- B. Other provisions and clauses / 8. Preexisting conditions
- B. Other provisions and clauses / 9. Coinsurance
- B. Other provisions and clauses / 10. Deductibles
- B. Other provisions and clauses / 11. Eligible expenses
- B. Other provisions and clauses / 12. Copayments
- B. Other provisions and clauses / 13. Pre-authorizations and prior approval requirements
- B. Other provisions and clauses / 14. Usual, reasonable, and customary (URC) charges
- B. Other provisions and clauses / 15. Lifetime, annual, or per cause maximum benefit limits
- C. Riders
- C. Riders / 1. Impairment/exclusions
- C. Riders / 2. Guaranteed insurability
- C. Riders / 3. Future increase option
- D. Rights of renewability
- D. Rights of renewability / 1. Noncancelable
- D. Rights of renewability / 2. Cancelable
- D. Rights of renewability / 3. Guaranteed renewable
Accident and health — General knowledge / III. SOCIAL INSURANCE (6 questions)
- A. Medicare (Parts A, B, C, D)
- B. Medicaid
- C. Social Security benefits
Accident and health — General knowledge / IV. OTHER INSURANCE CONCEPTS (5 questions)
- A. Total, partial, recurrent and residual disability
- B. Owner’s rights
- C. Dependent children benefits
- D. Primary and contingent beneficiaries
- E. Modes of premium payments
- F. Nonduplication and coordination of benefits (e.g., primary vs. excess)
- G. Occupational vs. non-occupational
- H. Tax treatment of premiums and proceeds of insurance contracts (e.g., disability income and medical expenses, etc.)
- I. Managed care
- J. Workers Compensation
- K. Subrogation
- L. Cost containment
Accident and health — General knowledge / V. FIELD UNDERWRITING PROCEDURES (8 questions)
- A. Completing the application
- B. Explaining sources of insurability and HIPAA privacy information (e.g., MIB Report, Fair Credit Reporting Act, etc.)
- C. Initial premium payment and receipt and consequences of the receipt (e.g., medical examination, etc.)
- D. Submitting application (and initial premium if collected) to company for underwriting
- E. Policy delivery
- F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
- G. Replacement
- H. Contract law
- H. Contract law / 1. Elements of a contract
- H. Contract law / 2. Insurable interest
- H. Contract law / 3. Warranties and representations
- H. Contract law / 4. Unique aspects of the insurance contract
- H. Contract law / 4. Unique aspects of the insurance contract / a. Conditional
- H. Contract law / 4. Unique aspects of the insurance contract / b. Unilateral
- H. Contract law / 4. Unique aspects of the insurance contract / c. Adhesion
- H. Contract law / 4. Unique aspects of the insurance contract / d. Aleatory
Health — Nevada-specific statutes, rules and regulations / I. NEVADA STATUTES AND CODES COMMON TO LIFE, HEALTH, PROPERTY, AND CASUALTY INSURANCE…20
- A. Insurance Commissioner
- A. Insurance Commissioner / 1. General powers and duties
- A. Insurance Commissioner / 2. Examinations
- A. Insurance Commissioner / 3. Notice and hearings, penalties
- B. Definitions
- B. Definitions / 1. Insurer
- B. Definitions / 2. Authorized and unauthorized
- B. Definitions / 3. Domestic, foreign, and alien
- B. Definitions / 4. Transacting insurance
- B. Definitions / 5. Certificate of authority
- B. Definitions / 6. Premiums
- B. Definitions / 7. Cost-sharing
- C. Licensing
- C. Licensing / 1. Persons required to be licensed
- C. Licensing / 1. Persons required to be licensed / a. Producer
- C. Licensing / 1. Persons required to be licensed / c. Nonresident
- C. Licensing / 1. Persons required to be licensed / i. Limited Lines producer
- C. Licensing / 1. Persons required to be licensed / j. Insurance Consultant
- C. Licensing / 1. Persons required to be licensed / k. Reinsurance intermediary
- C. Licensing / 1. Persons required to be licensed / l. Administrator
- C. Licensing / 1. Persons required to be licensed / m. Exchange Enrollment Facilitator
- C. Licensing / 2. Obtaining a license
- C. Licensing / 2. Obtaining a license / a. Insurance company appointment
- C. Licensing / 2. Obtaining a license / b. License requirements
- C. Licensing / 3. Termination of license
- C. Licensing / 3. Termination of license / a. Renewal/Continuing Education
- C. Licensing / 3. Termination of license / b. Suspension, revocation, and refusal of license
- C. Licensing / 4. Name of licensee–true, fictitious
- D. Marketing practices
- D. Marketing practices / 1. Unfair practices
- D. Marketing practices / 1. Unfair practices / a. Unfair claims methods and practices; Settlement of claims
- D. Marketing practices / 1. Unfair practices / b. Rebating - Inducement
- D. Marketing practices / 1. Unfair practices / c. Twisting
- D. Marketing practices / 1. Unfair practices / d. Misrepresentation
- D. Marketing practices / 1. Unfair practices / e. Fraud
- D. Marketing practices / 1. Unfair practices / f. Unfair discrimination
- D. Marketing practices / 1. Unfair practices / g. Defamation
- D. Marketing practices / 2. Fiduciary responsibilities
- D. Marketing practices / 3. Commissions - payments, acceptance, sharing, prohibitions
- D. Marketing practices / 4. Required records and record retention
- D. Marketing practices / 5. Silver State Health Insurance Exchange
- D. Marketing practices / 6. Affordable Care Act (ACA)
- E. Nevada Life & Health Insurance Guaranty Association
Health — Nevada-specific statutes, rules and regulations / II. NEVADA STATUTES AND CODES COMMON TO LIFE AND HEALTH INSURANCE ONLY (4 questions)
- A. Credit life and health insurance
- B. Group life and health insurance
- B. Group life and health insurance / 1. Eligible groups
- B. Group life and health insurance / 2. Required provisions
- C. Advertising
Health — Nevada-specific statutes, rules and regulations / III. NEVADA STATUTES AND CODES PERTINENT TO HEALTH INSURANCE ONLY (14 questions)
- A. Mandatory policy clauses and provisions
- A. Mandatory policy clauses and provisions / 1. Coverage for physical handicap or intellectual disability for dependent children
- A. Mandatory policy clauses and provisions / 2. Coverage for newborn children
- A. Mandatory policy clauses and provisions / 3. Coverage for preventive healthcare services
- B. Availability of coverage for mental health and treatment of alcohol abuse/drug abuse
- C. Coverage for reconstructive surgery
- D. Hospice care
- E. Medicare
- E. Medicare / 1. Medicare supplement regulation
- E. Medicare / 2. Medicare Advantage Plans
- E. Medicare / 3. Prescription Drug Plan (PDP)
- F. Long Term Care

Examination sources

Nevada Insurance Licensing Candidate Handbook
Page 5, licensing examination table: code 02
Nevada Insurance Licensing Candidate Handbook
Page 10, About the Exam: two-part complete major-line content
Nevada Insurance Content Outlines
Current-outline page S1 footer: effective date
Nevada Insurance Content Outlines
Successor-outline footer: effective date of the next edition
Nevada Insurance Content Outlines
Cover: edition boundary for exams before November 14, 2026
Nevada Insurance Content Outlines
Pages S3-S4: accident-and-health general-knowledge outline title
Nevada Insurance Content Outlines
Page S4: Nevada-specific health outline title
Nevada Insurance Licensing Candidate Handbook
Page 10, About the Exam: major-line complete scope and scored answers
Nevada Insurance Licensing Candidate Handbook
Page 11, Score Reporting: one result covering both sections
Nevada Insurance Licensing Candidate Handbook
Page 11, Scaled Score and Percent Score: producer scaled passing score
Nevada Administrative Code, Chapter 683A
NAC 683A.270: passing score and score age
Nevada Insurance Licensing Candidate Handbook
Back cover, test-center examinations: InsNV_Health02