How to Get a Nebraska Insurance License: Steps, Exams, and Costs

Nebraska issues an insurance license to residents who pass a state licensing exam and apply online, and the process moves quickly because the state requires no pre-licensing education. You register with PSI, the state's testing company, pass the licensing exam for your line, then apply for the producer license at NIPR.com and download the license once the department approves the application. A single-line exam costs $43, a combined exam costs $47, and the resident application fee is $50, so the required state charges stay under $100.

Eligibility for a Nebraska insurance producer license

Nebraska requires resident applicants to be at least 18 years old, keep a principal place of residence in the state, and pass a written exam for each line of authority they want to sell. The Nebraska Candidate Information Bulletin^[1] also requires applicants to be "competent, trustworthy, financially responsible and have a good personal and business reputation."

The state does not require a college degree, prior industry experience, or pre-licensing coursework. The NAIC producer requirements chart^[2] lists Nebraska's prelicensing education as "no provision."

Nebraska does not require fingerprints or a fingerprint-based background check. The department's First Time Licensee Checklist lists no fingerprinting requirement or fee, and the state fee schedule^[3] carries no background-check charge. The only screening element is the set of background questions on the NIPR application, and a "yes" answer requires supporting court documents.

A professional designation does not waive the exam. The NAIC chart lists no CLU or CPCU exemption for Nebraska, unlike states such as Colorado, Florida, and Texas. Non-citizens can be licensed with proof of work authorization uploaded at the initial application, per the department's licensing FAQ^[4].

Lines of authority on a Nebraska insurance license

Nebraska issues one producer license and attaches lines of authority to it, and every major line requires its own exam administered by PSI. The major lines are Life, Accident and Health or Sickness, Property, Casualty, Personal Lines, Crop, and Title, per the Licensing Application Guide^[5]. Adding a line later follows the same path: pass that line's exam, then process the addition at NIPR.com or by Change Request form, per the department's licensing FAQ^[4].

Every exam in the table requires a 70% score to pass, and the exam fees and question counts come from the Candidate Information Bulletin^[1].

Life insurance license in Nebraska

The Life line authorizes you to sell, solicit, and negotiate life insurance and annuities, and you earn this license by passing the Life exam (code 13-01), which has 100 items. Candidates pursuing a life and health insurance license can instead take the combined Life, Accident and Health exam (13-03), which covers both lines in one sitting.

The Variable Life and Variable Annuity line takes no separate Nebraska insurance exam. Under the Candidate Information Bulletin^[1], you must hold a Life license, or apply for one at the same time, and submit passing NASD Series 6 and 63, or Series 7 and 66, exam scores.

Life licensees who solicit annuities must also complete a one-time 4-credit annuity best-interest training course, per the department's education requirements^[6].

The Funeral line is open to applicants who pass the Funeral exam or who already hold a Life license; the Funeral Director line additionally requires a funeral director and embalmer license under the Funeral Directing and Embalming Practice Act (Licensing Application Guide^[5]).

Accident and health insurance license in Nebraska

The Accident and Health or Sickness line covers health, medical, and long-term care products, and its exam (code 13-02) has 100 items.

To sell Marketplace plans, you must also complete annual registration and training through the CMS Marketplace Learning Management System^[7]. CMS blocks agents without an approved health line of authority from Marketplace systems, so the Nebraska license comes first.

Licensees who sell long-term care insurance complete a one-time 8-hour training course plus a 4-hour refresher in each 24-month period (education requirements^[6]).

Property insurance license in Nebraska

The Property line covers damage and theft protection for homes, buildings, and other property, and its exam (code 13-22) has 100 items. Nebraska tests Property and Casualty as two separate lines, so a property and casualty license can be earned with two single-line exams or one combined sitting.

Resident Property and Casualty licensees must complete a one-time 3-hour course on the National Flood Insurance Program (NFIP) before selling, soliciting, or negotiating flood insurance (education requirements^[6]).

Casualty insurance license in Nebraska

The Casualty line covers legal liability coverage for individuals and businesses, and its exam (code 13-23) has 100 items. Most candidates take the combined Property and Casualty exam (13-04), which covers both lines in a single sitting. Commercial insurance falls under these lines, so agents selling commercial coverage hold a P&C producer license.

Personal lines insurance license in Nebraska

The Personal Lines line covers auto and homeowners coverage sold to individuals rather than businesses, and its exam (code 13-21) has 100 items. Personal Lines is separate from Property and Casualty: a P&C license extends to commercial business, while a Personal Lines license does not.

Crop, title, and other Nebraska insurance lines

Beyond the core producer lines, Nebraska licenses several lines with their own exams or no exam at all.

Crop/Hail is a major line, and its exam (code 13-09) has 60 items. Title is also a major line, and its exam (code 13-16) has 50 items; title agents who handle escrow or security deposits must file a $100,000 surety bond, and individual title licenses renew on the two-year birth-month cycle while title agencies renew each April 30 (Licensing Application Guide^[5], License Renewal Guide^[8]).

The Pet, Credit, Surety, Travel, and Prepaid Legal lines require no exam (NIPR resident requirements^[9]). A producer already licensed for Property and Casualty does not need a separate Pet license. The Motor Club line uses an exam (code 13-13) with 40 items or an approved company training program, costs $5, and does not expire while an active motor club appointment is maintained (Licensing Application Guide^[5], fee schedule^[3]).

The Surplus Lines license requires no exam; residents need an active Nebraska Property and Casualty producer license, or a concurrent application for one, and the license costs $250 (Licensing Application Guide^[5], fee schedule^[3]). The Pre-Need Agent license costs $20 (fee schedule^[3]).

How to prepare for the Nebraska insurance exam

Preparation is entirely your choice, because Nebraska mandates no pre-licensing coursework and sets no study-hour requirement. The NAIC requirements chart^[2] lists no prelicensing education provision for the state, and the department's exam page^[10] states that it has no study materials and endorses no prep provider.

The department publishes an Exam Outline for every line, listing each topic and the share of questions it contributes, and PSI sells practice exams for the life and health and property and casualty lines (exam page^[10]).

If you want structured study, RealEstateU offers self-paced Nebraska insurance exam-prep courses built around the published outlines, and several national companies sell similar courses. A commercial course typically runs a few hundred dollars; self-study with the free outlines can cost nothing.

Taking the Nebraska insurance exam through PSI

PSI Services LLC administers every Nebraska insurance licensing exam at computer testing centers, a role the company has held since February 1, 2023 (Producer Licensing^[11]). You register with PSI online or by phone at (833) 333-4754 (exam page^[10]).

Exams are in person only. Under the department's guidance document IGD-D8, effective March 16, 2026, remote proctored Nebraska insurance exams are no longer available, and testing is allowed only at physical PSI sites. PSI operates Nebraska test centers in Omaha, Lincoln, Norfolk, Grand Island, North Platte, Sidney, and Scottsbluff, and you may sit for the exam at any PSI location in the United States (exam page^[10], Candidate Information Bulletin^[1]).

Nebraska exams are open eligibility. As the Candidate Information Bulletin^[1] puts it:

"Nebraska Insurance examinations are open eligibility. You may test unlimited until you pass."

There is no waiting period between attempts, and the First Time Licensee Checklist^[12] confirms you may register as soon as you feel ready. The exam fee is valid for one year from payment and is non-refundable and non-transferable. Bring a government-issued photo ID. You can reschedule without forfeiting the fee if PSI receives notice at least 2 days before the appointment, and each exam may include 5-10 unscored experimental questions after a 15-minute tutorial that does not count against your time (Candidate Information Bulletin^[1]).

Applying for your Nebraska insurance license at NIPR

You apply online through the National Insurance Producer Registry (NIPR) after your exam results reach the state, and NIPR verifies those results before it accepts the submission (NIPR resident requirements^[9]). The First Time Licensee Checklist^[12] recommends waiting 24-48 hours after passing; if your lines of authority do not appear on the NIPR application, your results have not posted yet. You have up to one year after passing to obtain the license.

The application asks for your Social Security Number (or a prior license number or National Producer Number), date of birth, residency details, and electronic payment (NIPR^[13]). The resident producer application fee is $50. Background questions are part of the form, and a "yes" answer requires an explanation and court documents uploaded through NIPR's Attachments Warehouse (NIPR resident requirements^[9]).

Once the department approves the application, it emails a Welcome Letter the Friday after approval, and your Nebraska license number is identical to your National Producer Number (NPN) (First Time Licensee Checklist^[12]).

Getting appointed by an insurance company

Appointments come after licensure. Only licensed producers can be appointed, and the insurer files the appointment online at NIPR within 15 days of the contract date or the first insurance application; the appointment fee starts at $8 and varies by the insurer's domicile state (Candidate Information Bulletin^[1], fee schedule^[3]).

Nebraska insurance license cost and timeline

The mandatory state charges are the PSI exam fee plus the $50 resident application fee: $43 for a single-line exam or $47 for a combined exam, per the Candidate Information Bulletin^[1] and the state fee schedule^[3]. Study materials are optional, so they are the only variable cost. Veterans can be reimbursed for exam fees through VA form 22-0803, per the department's licensing FAQ^[4].

Because no pre-licensing education is required, the timeline runs on three clocks: your study time, the 2-3 business days PSI needs to upload results to the department, and the 3-5 business days the department needs to process a clean application (First Time Licensee Checklist^[12]). Applications with "yes" background answers take longer. Most candidates move from first study session to license in hand within a few weeks.

What Nebraska insurance agents earn

Insurance sales agents earned a median annual wage of $62,280, or $29.94 per hour, in May 2025, according to the U.S. Bureau of Labor Statistics^[14]. The lowest 10% earned less than $37,330, and the highest 10% earned more than $138,140. The occupation employed 572,600 people in 2025 and is projected to grow 3% from 2025 to 2035, with about 43,100 openings per year. Most agents work on commission: 63% work in agencies and brokerages, 12% are self-employed, and agents are either captive (one company) or independent (several companies).

Non-resident Nebraska insurance license

Nebraska waives its exam for non-resident producers who hold an active producer license in their home state in the same lines they seek, and they apply online at NIPR.com (NIPR non-resident requirements^[15]).

Effective July 17, 2026, non-resident producer fees are retaliatory, matching what the applicant's home state charges Nebraska licensees. The retaliatory fee schedule^[16] sets $100 for most states, with exceptions such as California at $188, Illinois at $380, and Puerto Rico at $1,682. A non-resident reinstatement adds $125 to the applicable retaliatory fee. Non-resident agencies that do not hold the same license type in their home state cannot apply through NIPR (NIPR non-resident requirements^[15]).

Moving to or from Nebraska

New Nebraska residents can convert an out-of-state license without retaking the exam by acting within 90 days. You first update the status of your prior resident license, then contact the Licensing Division, and the state change request must be submitted within 90 days of relocating (department's licensing FAQ^[4]). Anyone whose previous license has been inactive for more than 12 months must retake the exams (Candidate Information Bulletin^[1]).

Licensees leaving Nebraska surrender the resident license, obtain a resident license in the new state within 90 days, and then apply for a Nebraska non-resident license at NIPR.com (department's licensing FAQ^[4]).

Renewing your Nebraska insurance license

A Nebraska producer license expires on the last day of your birth month in the first year after issuance in which your age is divisible by two, and you renew at NIPR.com during the 90 days before that date (renewal timing guide^[17]). People born in even years renew in even years, and people born in odd years renew in odd years. The department's worked example: a producer born October 15, 1998 and licensed January 5, 2024 renews by October 31, 2024, then again in 2026 and 2028. A partial renewal is not allowed; every line on the license renews together (NIPR renewal requirements^[18]).

Continuing education requirements

Resident producers in the major lines complete 24 hours of continuing education (CE) each cycle: 21 general hours plus 3 hours of ethics, and no licensee can be required to complete more than 24 hours in any two-year period (education requirements^[6]). General hours can come from any course group, including lines you do not hold. You cannot repeat a course for credit within a cycle, and excess hours do not carry over. New licensees are exempt from CE for their first renewal (Candidate Information Bulletin^[1]).

Hour figures come from the License Renewal Guide^[8].

Renewal eligibility begins 24 hours after all CE hours post to your transcript, and providers have up to 10 days to upload completions, so finishing early in the 90-day window avoids delays (education requirements^[6]). The department emails renewal notices about 60 days before expiration (department's licensing FAQ^[4]).

If the license lapses, you can late renew within 30 days of expiration by paying a $40 late fee. From 31 days to one year past expiration, reinstatement requires a new application and totals $90, collected as the new $50 application fee plus the $40 late fee (department's licensing FAQ^[4], fee schedule^[3]). After one year, you must retake the exam (department's licensing FAQ^[4]).

Public adjuster license in Nebraska

Nebraska's individual adjuster license is the public adjuster license, which requires an exam, a surety bond, and an in-state office. Resident applicants must be at least 18, pass the public adjuster exam (code 13-10), which has 100 items, pay a $50 application fee, file a $20,000 surety bond, maintain an office in Nebraska with public access, and be free of grounds for denial under Neb. Rev. Stat. 44-9211 (Producer Licensing Division^[19]). Public adjuster continuing education matches the major-line requirement. A public adjuster who works through an agency must be affiliated with an agency holding a public adjuster business entity license. Non-resident public adjusters must hold a public adjuster license in their home state and pay the same $50 application fee (NIPR adjuster requirements^[20]).

Insurance consultant licenses

Consultants advise clients for a fee rather than sell policies, and Nebraska requires 3 years of active licensure as a producer, broker, or consultant in Nebraska or another state immediately before applying, plus a consultant exam: Life, Accident and Health (13-07) or Property and Casualty (13-08), each with 150 items. The application fee is $50. Since July 19, 2018, consultants can no longer perform public adjusting duties and need the public adjuster license to adjust (Producer Licensing Division^[19]).

Agency licenses and the apprentice producer

Partnerships and corporations that act as producers need their own agency license with a designated licensed producer, while a sole proprietorship does not unless it meets the statutory agency definition (Candidate Information Bulletin^[1]). An agency license costs $50, and producer agencies renew on April 30 of even-numbered years (fee schedule^[3], License Renewal Guide^[8]).

Nebraska also issues a temporary Apprentice Insurance Producer license that lasts at most 120 days, requires sponsorship by an active Nebraska producer, costs $50, and cannot be renewed (Licensing Application Guide^[5]).

How to look up and print a Nebraska insurance license

You can look up any Nebraska insurance license, along with continuing education transcripts and National Producer Numbers, through the NAIC State Based Systems license manager at sbs.naic.org, per the department's licensing FAQ^[4].

Next steps

Choose your line of authority, download its Exam Outline from the department's exam page, and register with PSI. Apply at NIPR.com once your results post, and the Licensing Division answers questions at (402) 471-4913 or DOI.Licensing@Nebraska.gov (Producer Licensing^[11]).