2026 Insurance Licensing InsNV_Health02 Unparalleled Related Certifications

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Insurance Licensing InsNV_Health02 Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Nevada Statutes and Codes Common to Life and Health Insurance Only	4%	- Group life and health insurance 1. Eligible groups 2. Required provisions - Advertising - Credit life and health insurance
Topic 2: Nevada Statutes and Codes Common to Life, Health, Property, and Casualty Insurance	20%	- Insurance Commissioner 1. General powers and duties 2. Examinations 3. Notice and hearings and penalties - Definitions 1. Insurer 2. Domestic, foreign, and alien 3. Transacting insurance 4. Premiums 5. Authorized and unauthorized 6. Cost-sharing 7. Certificate of authority - Nevada Life and Health Insurance Guaranty Association - Licensing 1. Persons required to be licensed 2. Termination of license 3. Renewal and continuing education 4. Suspension, revocation, and refusal of license 5. Obtaining a license 6. Name of licensee - Marketing Practices 1. Affordable Care Act 2. Fiduciary responsibilities 3. Silver State Health Insurance Exchange 4. Required records and record retention 5. Commissions and payment restrictions 6. Unfair practices Unfair claims methods and practices and settlement of claims Rebating and inducement Twisting Misrepresentation Fraud Unfair discrimination Defamation
Topic 3: Nevada Statutes and Codes Pertinent to Health Insurance Only	14%	- Coverage for reconstructive surgery - Hospice care - Mandatory policy clauses and provisions 1. Coverage for physical handicap or intellectual disability for dependent children 2. Coverage for newborn children 3. Coverage for preventive healthcare services - Long Term Care - Availability of coverage for mental health and treatment of alcohol abuse and drug abuse - Medicare 1. Medicare Advantage Plans 2. Prescription Drug Plan 3. Medicare supplement regulation
Topic 4: Accident & Health – General Knowledge	50%	- Social Insurance 1. Social Security benefits 2. Medicare Parts A, B, C, and D 3. Medicaid - Field Underwriting Procedures 1. Sources of insurability and HIPAA privacy information 2. Contract law Elements of a contract Insurable interest Warranties and representations Unique aspects of the insurance contract 3. Initial premium payment and receipt 4. Policy delivery 5. Submitting application and initial premium to company for underwriting 6. Replacement 7. Explaining policy provisions, riders, exclusions, and ratings 8. Completing the application - Policy Provisions, Clauses, and Riders 1. 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 2. Riders Impairment and exclusions Guaranteed insurability Future increase option 3. Rights of renewability Noncancelable Cancelable Guaranteed renewable 4. 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 - Other Insurance Concepts 1. Workers Compensation 2. Total, partial, recurrent, and residual disability 3. Modes of premium payments 4. Cost containment 5. Occupational vs. non-occupational 6. Tax treatment of premiums and proceeds of insurance contracts 7. Owner's rights 8. Nonduplication and coordination of benefits 9. Managed care 10. Dependent children benefits 11. Primary and contingent beneficiaries 12. Subrogation - Types of Policies 1. Individual and Group Long Term Care Eligibility Levels of care 2. Group insurance Differences between individual and group contracts General characteristics COBRA 3. Accidental death and dismemberment 4. Medicare supplement policies 5. Disability income Individual disability income policy Business overhead expense policy Business disability buyout policy Group disability income policy Key employee policy 6. 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 7. Other policies Dental Vision Cancer Critical illness or specified disease Worksite employer-sponsored Hospital indemnity Short-term medical Accident

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InsNV_Health02 - Marvelous NV Accident and Health Related Certifications

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Insurance Licensing NV Accident and Health Sample Questions (Q66-Q71):

NEW QUESTION # 66
Group coverage for a handicapped dependent child may be continued if the primary insured submits the required proof to the insurance company within what MAXIMUM period of time after the child reaches the limiting age?

A. 30 days
B. 31 days
C. 15 days
D. 45 days

Answer: B

NEW QUESTION # 67
For Social Security disability benefits, which statement is generally correct?

A. The program is funded entirely by private insurance premiums.
B. Benefits are available only to persons age 65 or older.
C. The program uses a strict definition of disability involving inability to perform substantial work for a required duration.
D. Benefits are payable for any short-term illness that prevents work for one week.

Answer: C

Explanation:
Social Security disability benefits are based on a strict federal definition of disability. In general, the claimant must be unable to engage in substantial gainful activity because of a medically determinable physical or mental impairment that has lasted, or is expected to last, for at least 12 months or is expected to result in death. The program is not designed to insure every short-term illness, temporary injury, or partial loss of earnings.
Eligibility also depends on work history and Social Security credits in many cases. The Social Security Administration evaluates whether the person can perform past work or adjust to other substantial work, considering medical and vocational factors. A waiting period may apply before cash disability benefits begin.
Separate programs, such as Supplemental Security Income, have different eligibility and income-resource rules.
For insurance examination purposes, distinguish Social Security disability from private disability-income insurance. Private coverage is based on the policy definition of disability, elimination period, benefit amount, and benefit period. Social Security disability uses the federal program's statutory standard and administrative determination process. A producer should describe private coverage as a possible supplement to-not a replacement for-government disability benefits.
References/topics from the Study Guide: Social Security Disability; Definitions of Disability; Disability Income Insurance; Government Benefit Coordination.

NEW QUESTION # 68
Which statement best describes a group life conversion privilege?

A. It transfers the employee's group policy cash value to a retirement account.
B. It allows the employer to convert all employees into beneficiaries.
C. It guarantees that the group premium will never increase.
D. It allows an insured leaving the group to obtain individual coverage without evidence of insurability, subject to the policy terms.

Answer: D

Explanation:
A group life conversion privilege allows an insured whose group coverage terminates to obtain an individual life insurance policy without providing new evidence of insurability, provided the person applies and pays the required premium within the conversion period. The privilege is valuable because a person leaving employment may have become less insurable since original enrollment. Conversion allows continued life coverage despite a change in health, although the individual policy's premium is generally based on the insurer's conversion rates and may be higher than the group rate.
The group master policy and applicable law control the conversion period, maximum conversion amount, and type of individual policy available. The individual policy may not be identical to the group coverage. A producer should explain that the former employee has a limited window to act and should review alternative coverage options promptly.
Conversion differs from portability. Portability allows an insured to continue group-style coverage under certain terms, while conversion results in a new individual policy. The protection during the conversion period is also significant: Nevada group-life law provides a death benefit if the insured dies during the conversion period before the individual policy becomes effective, in the amount that could have been converted.
References/topics from the Study Guide: Group Life Insurance; Conversion Privilege; Portability; Termination of Group Coverage; NRS 688B.120-688B.130.

NEW QUESTION # 69
The commission for the placement of nonadmitted insurance is paid by the insurer to the:

A. Division of Insurance
B. surplus lines broker
C. policyholder
D. third-party claimant

Answer: B

Explanation:
The commission for the placement of nonadmitted insurance is paid to the surplus lines broker. A surplus lines broker is specially licensed to place eligible insurance with a nonadmitted insurer when coverage cannot be procured from authorized insurers under the conditions required by Nevada's Nonadmitted Insurance Law.
A nonadmitted insurer is not licensed or authorized to transact insurance generally in Nevada, but it may provide qualifying surplus-lines coverage through a properly licensed surplus lines broker. The broker performs the regulated placement function, documents the effort to obtain coverage from the admitted market when required, handles applicable filings, and ensures that statutory taxes and disclosures are addressed.
The policyholder purchases the insurance and pays the premium; the policyholder is not paid the placement commission. The Division of Insurance regulates the transaction and may receive taxes, fees, and reports as provided by law, but it is not the recipient of the insurer's commission. A third-party claimant is someone asserting a claim against an insured and has no role in the placement commission.
Study Guide references/topics: nonadmitted insurance; surplus lines; broker licensing; commissions; Nevada Nonadmitted Insurance Law .

NEW QUESTION # 70
An insured purchases a rider that pays an additional amount only if death results from a covered accident.
This rider is best described as:

A. A return-of-premium rider
B. An accidental death benefit rider
C. A guaranteed-insurability rider
D. A cost-of-living rider

Answer: B

Explanation:
An accidental death benefit rider provides an additional death benefit when the insured dies as the direct result of a covered accident. It is often described as "double indemnity" when the additional benefit equals the policy's face amount, although the actual amount and conditions depend on the rider. The rider supplements the base life policy; it does not replace the base death benefit. If the insured dies from a covered accident, the beneficiary may receive the base policy amount plus the rider benefit. If death results from illness or a noncovered cause, only the base policy benefit is generally payable.
Accidental-death riders contain important limitations. They typically require death to occur within a stated time after the accident and may exclude deaths resulting from specified causes, such as war, suicide, certain hazardous activities, intoxication, or illegal acts, depending on the contract. The producer must explain that the benefit is conditional and is not the same as comprehensive life insurance.
A guaranteed-insurability rider permits future coverage increases without new evidence of insurability. A cost- of-living rider increases coverage under specified inflation-related terms. A return-of-premium feature returns qualifying premiums under stated conditions, usually at the end of a term period.
References/topics from the Study Guide: Accidental Death Benefit Rider; Double Indemnity; Exclusions; Supplementary Benefits; Policy Riders.

NEW QUESTION # 71
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