Key Takeaways
- Nebraska does NOT require pre-licensing education for Life & Health insurance licenses
- The exam is administered by PSI with 100 questions for single-line exams and 150 questions for combined
- A passing score of 70% is required on the state licensing exam
- License renewal requires 24 hours of CE every 2 years, including 3 hours of ethics
- The Nebraska Department of Insurance regulates all insurance activities in the state
Nebraska Life & Health Exam Overview
Welcome to OpenExamPrep's FREE Nebraska Life & Health Insurance exam prep guide. This comprehensive resource covers Nebraska-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed Life & Health producer.
About the Nebraska L&H Exam
The Nebraska Life & Health insurance examination is administered by PSI Services LLC on behalf of the Nebraska Department of Insurance. The exam tests your knowledge of:
- Nebraska insurance law and regulations
- Life insurance principles and policy types
- Annuities and retirement products
- Health insurance including accident and sickness coverage
- Policy provisions and beneficiary designations
- Ethics and professional conduct
Exam Structure
| Exam Component | Single Line (Life or Health) | Combined Life & Health |
|---|---|---|
| Testing Provider | PSI Services LLC | PSI Services LLC |
| Total Questions | 100 (+ 5 unscored) | 150 (+ 5 unscored) |
| Time Limit | 100 minutes | 150 minutes |
| Passing Score | 70% | 70% |
| Exam Fee | Varies | Varies |
Note: Exams are available at Nebraska PSI testing locations including Omaha (3), Lincoln (2), Norfolk, Grand Island, North Platte, Sidney, and Scottsbluff. Remote proctored exams are also available.
Pre-Licensing Education Requirements
No Pre-Licensing Education Required
Nebraska does NOT require pre-licensing education:
| Requirement | Details |
|---|---|
| Pre-License Hours | None required |
| Recommendation | Study courses highly recommended |
| Department Position | Does not review, approve, or recommend providers |
Important: The Nebraska Department of Insurance does not have pre-licensing study materials. You may use your chosen materials to study for the license exam. Many providers offer exam prep courses.
Basic Qualifications
To obtain a Nebraska insurance license, you must:
| Requirement | Details |
|---|---|
| Age | At least 18 years old |
| Residency | Maintain principal place of residence in Nebraska |
| Exam | Pass the written examination for desired lines of authority |
License Application Process
Step-by-Step Process
-
Prepare for the Exam
- Complete recommended study course
- Review Nebraska insurance law
- Take practice exams
-
Schedule Your Exam
- Register with PSI online at psiexams.com or call (833) 333-4754
- Pay exam fee
- Choose testing center or remote proctored option
-
Take the Exam
- Arrive with valid government-issued photo ID (driver's license, passport, military ID)
- Pass with 70% or higher
- Results available immediately
-
Apply for License
- Apply online through NIPR at nipr.com
- Pay application fee
- Allow 3-5 days for processing
- Download or print license from NIPR
Testing Locations
Nebraska PSI Testing Centers:
- Omaha (3 locations)
- Lincoln (2 locations)
- Norfolk
- Grand Island
- North Platte
- Sidney
- Scottsbluff
Remote Testing: Available through PSI Bridge remote testing platform (requires compatible computer/laptop)
Total Costs
| Item | Cost |
|---|---|
| Exam Prep Course (recommended) | $150 - $350 |
| Exam Fee | Varies |
| License Application Fee | $50 |
| TOTAL | ~$200 - $450 |
License Maintenance & Continuing Education
CE Requirements
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours required |
| Renewal Date | Last day of birth month, biennially |
| Renewal Fee | $50 |
Renewal Schedule
- Licensees born in odd-numbered years renew in odd years
- Licensees born in even-numbered years renew in even years
- Renewal window opens 90 days prior to expiration
Important CE Rules
| Rule | Details |
|---|---|
| Carryover | NOT allowed - excess hours do not carry forward |
| Repeat Courses | Cannot repeat a course within 2-year period |
| Record Keeping | Keep certificates on file for 4 years |
| Reporting Fee | $1.00 per credit hour |
| Renewal Eligibility | Begins 24 hours after CE uploaded by provider |
Special Training Requirements
| Training | Requirement |
|---|---|
| Annuity Best Interest | 4-hour course before selling annuities |
| Long-Term Care Initial | 8-hour training before selling LTC |
| Long-Term Care Ongoing | 4-hour training every 2 years after initial |
| Flood Insurance | One-time 3-hour course for NFIP sellers |
CE Exemptions
| Exemption | Details |
|---|---|
| Limited Lines | Credit life/health, auto breakdown, prepaid legal, motor club, prepaid dental, HMO, unemployment credit |
| Non-Residents | Exempt if meeting home state CE requirements |
| New Licensees | Those licensed 1-2 years before first renewal need only 15 hours |
Nebraska Department of Insurance Contact
Contact Information
| Resource | Details |
|---|---|
| Address | P.O. Box 95087<br/>Lincoln, NE 68500-5087 |
| Phone | (402) 471-4913 |
| Website | www.doi.nebraska.gov |
Testing Information
PSI Services LLC
- Website: test-takers.psiexams.com/neins
- Phone: (833) 333-4754
- Online scheduling available 24/7
- Remote proctored testing available
What This Guide Covers
This FREE study guide focuses on Nebraska state-specific content:
Chapter 1: Nebraska Insurance Regulation & Licensing
- Nebraska Department of Insurance structure
- Producer licensing requirements
- Ethics and professional responsibilities
- Disciplinary actions and prohibited practices
Chapter 2: Nebraska Life Insurance Regulations
- Life insurance policy requirements
- Standard policy provisions
- Nebraska Life & Health Insurance Guaranty Association
- Replacement regulations
Chapter 3: Nebraska Health Insurance Regulations
- Health insurance requirements
- Individual and group health coverage
- Nebraska Comprehensive Health Insurance Pool (NCHIP)
- Long-term care insurance
Chapter 4: Nebraska Ethics & Consumer Protection
- Agent and producer duties
- Unfair trade practices
- Claims handling standards
- Consumer protection laws
national Life & Health exam preparationFree exam prep with practice questions & AI tutor
Study Tips for Success
Recommended Study Timeline
| Week | Focus | Hours |
|---|---|---|
| Week 1 | National L&H principles (if not completed) | 15-20 hours |
| Week 2 | Exam prep course (recommended) | 20-30 hours |
| Week 3 | Nebraska state law (this guide) | 10-15 hours |
| Week 4 | Practice exams and review | 10-15 hours |
| TOTAL | 55-80 hours |
Key Nebraska Facts to Remember
- Passing Score: 70%
- Pre-License Education: NOT required
- Testing Provider: PSI Services LLC
- CE: 24 hours/2 years (including 3 ethics)
- Renewal Fee: $50
- CE Carryover: NOT allowed
Good luck on your exam!
Does Nebraska require pre-licensing education for Life & Health insurance licenses?
What is the passing score for the Nebraska Life & Health insurance exam?
How many questions are on the combined Nebraska Life & Health insurance exam?
How many hours of continuing education does Nebraska require every 2 years?
What is the license renewal fee in Nebraska?