Key Takeaways
- Nebraska does NOT require pre-license education - one of the states with no prelicensing requirement
- The Nebraska Life & Health exam has 150 questions with a 70% passing score required
- PSI Services LLC administers all Nebraska insurance licensing exams
- Exam scores are valid for 12 months after passing
- All applicants must apply through NIPR after passing the exam
Last updated: January 2026
Nebraska Producer Licensing Requirements
Nebraska has specific requirements for obtaining a Life, Accident & Health, or combined insurance license.
Pre-License Education Requirements
No Pre-License Education Required
| State Requirement | Nebraska |
|---|---|
| Pre-License Education | NOT REQUIRED |
| Recommended | Self-study highly recommended |
| Study Materials | Choose your own (DOI does not provide) |
Key Points:
- Nebraska is one of the states that does NOT require pre-license education
- The Department of Insurance does not provide study materials
- Completing an exam prep course is highly recommended due to exam difficulty
- You may use study materials of your choosing
Exam Tip: Just because Nebraska doesn't require pre-license education doesn't mean the exam is easy. Most candidates who pass complete a comprehensive study course before testing.
Examination Requirements
The Nebraska insurance licensing examinations are administered by PSI Services LLC:
Life & Health Exam Details
| Exam Type | Questions | Time Limit | Fee |
|---|---|---|---|
| Life and Annuities | 105 | 2 hours | $43-47 |
| Sickness, Accident & Health | 105 | 2 hours | $43-47 |
| Combined Life & Health | 150 | 2.5 hours | $43-47 |
Exam Requirements
| Requirement | Detail |
|---|---|
| Passing Score | 70% |
| Testing Provider | PSI Services LLC |
| Score Validity | 12 months |
| Testing Options | In-person or remote proctored |
| Scheduling | Online at PSI or call (833) 333-4754 |
Examination Process
Scheduling the Exam
- Register with PSI at psiexams.com or call (833) 333-4754
- Choose testing option:
- PSI testing center (multiple locations in Nebraska)
- Remote online proctored exam
- Pay exam fee ($43-47 depending on line of authority)
- Schedule appointment at least 24 hours in advance
Exam Day
What to Bring:
- Two forms of valid ID (one with photo and signature)
- Acceptable: Driver's license, passport, military ID
- No personal items at testing station
Testing Rules:
- No cell phones or electronic devices
- Calculator provided on screen
- Results displayed immediately upon completion
- Score report emailed to you
After the Exam
If You Pass:
- Exam scores valid for 12 months
- Apply for license through NIPR within 12 months
- Complete background check requirements
If You Fail:
- May reschedule and retake exam
- Must pay new exam fee
- Review score report for areas needing improvement
Background Check Requirements
Nebraska requires a background check for all license applicants:
Background Check Process
- Conducted after license application submitted
- Results processed through state and FBI databases
- Criminal history may affect licensing decision
- Must disclose any criminal history on application
Disqualifying Factors
The DOI considers:
- Nature and severity of offense
- Time elapsed since offense
- Relationship of offense to insurance activities
- Evidence of rehabilitation
License Application
After passing the exam, complete these steps:
Application Steps
- Apply through NIPR (National Insurance Producer Registry)
- Pay license fee (varies by license type)
- Complete background check requirements
- Await approval (typically 3-5 business days)
License Types
| License Type | What You Can Sell |
|---|---|
| Life | Life insurance and annuities |
| Accident & Health | Health, disability, LTC insurance |
| Life, Accident & Health | All life and health products |
Appointments
After receiving your license:
- Must be appointed by each insurer you represent
- Insurer files appointment with DOI
- Cannot transact business until appointment is filed
License Duration and Renewal
Biennial Renewal System
Nebraska uses a biennial (2-year) renewal cycle:
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Renewal Date | Last day of birth month, biennially |
| Renewal Cycle | Odd-year births renew in odd years; even-year births renew in even years |
Initial License
- Valid from issue date through next renewal period
- Renewals due every 2 years on birth month
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