Nebraska Life & Health Exam Overview

Nebraska Producer Exam and Qualifications

The Nebraska Department of Insurance issues the license; PSI administers the licensing examination. This guide covers combined producer series 13-03 for Life, Accident and Health or Sickness Insurance. It is distinct from the consultant exam.

Nebraska does not mandate a pre-licensing course. Choose preparation materials that help you understand the official outline; a course is optional, and DOI does not approve or recommend prep providers.

Combined exam structure

The published cut is an explicit PSI standard. It is not described as a scaled-score equivalence. The unscored items do not contribute to the score, so 105 is compared with 150, not 155. Answer every item because pilot items are not identified.

The outline has 16 weighted domains. Insurance Regulation is 15%; General Insurance is 10%. State statutes also appear within product domains, so those figures do not define a national-versus-state split.

Resident licensing qualifications

Applicants must be at least 18, have their principal residence in Nebraska, and meet the state’s competency and character requirements. Disclose the application’s background information accurately and supply supporting documents when a “yes” answer requires them. Do not assume every applicant must buy a fingerprint service.

A new applicant seeking both lines can take combined series 13-03. It qualifies the combined authority; there is no separate national Life and Health examination to complete first. Passing does not authorize insurance transactions until the license has been issued.

Sources: PSI bulletin, printed pages 1–2, series 13-03 outline, and NIPR resident requirements.

Scheduling, Test Day, and Application

Register at PSI Nebraska Insurance or call (833) 333-4754. The current bulletin lists a $47 fee per series 13-03 attempt.

Physical testing only

DOI Guidance Document IGD-D8 ended remote-proctored Nebraska insurance examinations effective March 16, 2026. New appointments must be at physical PSI centers. Nebraska locations include Omaha, Lincoln, Norfolk, Grand Island, North Platte, Sidney, and Scottsbluff; other PSI U.S. centers may also be used. Select a currently available site in the scheduling portal.

Test day

Arrive 30 minutes before the appointment. Bring one current government-issued ID bearing your name, signature, and photograph; temporary identification is not accepted. Follow PSI’s registration-name and security instructions. Personal notes and electronic devices are prohibited. The current bulletin says PSI supplies scratch paper and a pencil, which must be returned at checkout.

Your result appears on screen immediately. PSI emails the score report, and it can also be printed from your online account. Passing results are sent to DOI; allow the posted upload interval before applying through NIPR.

Retakes

Nebraska permits unlimited attempts with no state-imposed waiting period. PSI cannot make a new appointment on the day you take the exam because of result processing. Its example allows a Wednesday failure to be rebooked Thursday for a Friday test if a seat is available. This is a scheduling example, not a guaranteed appointment or fixed waiting period.

Series 13-03 has one published combined-exam passing cut. Do not assume you can retake only a “failed half” of that exam.

Apply after passing

Apply through NIPR and obtain the license within one year after passing. The current DOI checklist advises allowing 2–3 business days for results to upload and approximately 3–5 business days for ordinary application processing; background issues or missing information can take longer.

The combined base amount is $97 for one exam attempt and one resident application. NIPR transaction fees, optional preparation, and additional exam attempts are separate. The current resident amount comes from DOI’s July 17, 2026 fee schedule; nonresident retaliatory fees are a different rule.

Sources: PSI bulletin, printed pages 2 and 5–8, DOI IGD-D8, current licensee checklist, and July 2026 fee schedule.

Renewal, CE, and Product Training

A resident producer’s renewal cycle follows the last day of the birth month and the parity of the birth year. A producer born in March 1989 renews by March 31 in odd-numbered years, such as 2027 and 2029. The initial expiration is set under the state’s first-year-after-issuance rule, so consult the issued license for its first deadline.

The renewal window opens 90 days before expiration. DOI’s current fee schedule lists a $50 resident producer renewal fee, before applicable transaction fees.

Continuing education

Nonexempt resident Life and Health producers need 21 general insurance hours plus 3 ethics hours each two-year renewal period: 24 total. Holding both major lines does not double that requirement. Excess credits do not carry over, and a course cannot be repeated for credit within the same renewal period.

Complete CE early. Providers have up to 10 days to upload credits; DOI says renewal eligibility begins 24 hours after all required credits have been uploaded. Completing a course on the renewal deadline is therefore risky.

Product-specific training

A newly licensed life producer must complete the approved four-credit annuity course before annuity sales, and must meet insurer product-training standards. The course requirement is separate from permission to sell a particular product; it is not automatically four hours added beyond 24. Approved training can earn CE credit, and DOI states that no license-type combination requires more than 24 cumulative CE hours per two-year period.

DOI’s current education page also lists initial eight-hour and ongoing four-hour training for long-term-care sales and links the detailed partnership guidance. Check the applicable product-training rule and your transcript before selling that product. Flood training belongs to Property/Casualty authority and is outside this combined Life and Health licensing path.

Keep the key distinctions

• No mandatory pre-licensing course does not remove the examination requirement for new applicants seeking these major lines.
• Passing the exam does not issue a license.
• General CE completion does not remove product-specific training deadlines.
• The passing cut is 105 of 150 scored items; total delivered items are 155.

Sources: current DOI education page, producer renewal statute, annuity training statute, licensing checklist, and current fee schedule.