Life insurance by state · NV
Life insurance in Nevada
What Nevada law gives you, which carriers quote in Nevada, and how to get covered — from an independent agency licensed in Nevada.
The short answer
Nevada residents can choose from 11 final expense and 15 term life carriers we work with that quote in Nevada. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Nevada
| Regulator | Nevada Division of Insurance |
|---|---|
| Free-look period | Typically at least 10 days · 30 days for replacement policies (NRS 688A.165(2)) |
| Guaranty association | Nevada Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | Yes |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Nevada
- Under NRS 688A.410, an insurer that pays life insurance proceeds more than 30 days after the insured's death owes interest from the date of death until payment, at no less than the rate it currently pays on death proceeds left on deposit. Source
- Prepaid funeral contracts in Nevada are regulated under NRS Chapter 689 (sellers need a certificate of authority from the Commissioner of Insurance), and every contract must let the buyer return it within 10 days of delivery for a full refund (NRS 689.275). Source
Carriers we work with that quote in Nevada
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Nevada results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Nevada
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Nevada carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Nevada. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Nevada — FAQ
How long is the free-look period for life insurance in Nevada?
New individual life insurance policies sold in Nevada typically give you at least 10 days to review the policy and cancel for a full refund (30 days for replacement policies (NRS 688A.165(2))). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Nevada?
The Nevada Life & Health Insurance Guaranty Association protects Nevada residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Nevada?
The Nevada Division of Insurance. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Nevada by phone?
Yes. United Eagles Financial is licensed for life insurance in Nevada; most applications are done by phone or video with an electronic signature.
Does Nevada community property law affect life insurance?
It can. Nevada is a community-property state, so a policy bought with marital funds may be partly a spouse’s property — which can matter if you name someone other than your spouse as beneficiary. Ask an attorney if that applies to you.