Nebraska Life & Health Exam Overview

Welcome to the Nebraska L&H Guide

This FREE OpenExamPrep guide covers the Nebraska-specific law layered on top of national Life and Health insurance concepts. Nebraska is a PSI Services LLC state: PSI builds, schedules, and scores every producer licensing exam under contract with the Nebraska Department of Insurance (DOI). The DOI sets policy and issues the license; PSI runs the test.

The single most important fact to internalize first: Nebraska does NOT require pre-licensing education. You can register and sit the exam without any approved course hours. That freedom is a trap — the DOI neither reviews nor recommends study materials, so the burden of being ready falls entirely on you. Plan as if a course were mandatory.

What the exam actually tests

Exam content is split into a national (general) portion and a Nebraska state-law portion. Roughly the breakdown is:

Exam structure

The 5 unscored pretest questions are mixed in randomly and are indistinguishable from scored items — treat every question as if it counts. Results print immediately as a pass/fail (failing reports show diagnostic percentages by topic so you know where to study). A common trap: candidates assume the combined exam is simply two 100-question tests stacked; it is 150, not 200, because shared general content is not duplicated.

Basic eligibility

Worked scenario: Maria wants to sell both life policies and major-medical health plans. She should sit the combined Life & Health exam (150 questions, ~150 minutes) rather than two separate $$ sittings — one fee, one trip, and shared general content tested once.

From Scheduling to License in Hand

Step 1 — Prepare

Use a third-party prep course (typical retail $150–$350) and this state guide. Because there is no mandatory seat-time, your only gate is the exam itself, so practice questions matter more here than in pre-licensing-education states.

Step 2 — Schedule with PSI

Register at test-takers.psiexams.com/neins or call PSI at (833) 333-4754. You pay the exam fee to PSI at scheduling, and PSI online scheduling runs 24/7. Note (2026 change): under Nebraska DOI Guidance Document IGD-D8, effective March 16, 2026, remote online proctored Nebraska state exams are no longer offered — you must schedule an in-person seat at a PSI test center. Candidates may sit at a Nebraska PSI center or any PSI center elsewhere in the U.S.

Nebraska in-person test centers include:

• Omaha (multiple sites)
• Lincoln (multiple sites)
• Norfolk
• Grand Island
• North Platte
• Sidney
• Scottsbluff

Step 3 — Test day

Bring valid, unexpired government photo ID (driver's license, passport, or military ID) — the first and last name must match your PSI registration exactly. A name mismatch is the number-one reason candidates are turned away. No personal items, phones, or notes are allowed in the room; PSI provides on-screen scratch paper or a wet-erase board.

Step 4 — Apply for the license

After passing, apply through the National Insurance Producer Registry (NIPR) at nipr.com (the DOI's preferred channel), pay the application fee, and submit fingerprints/background as required. Processing typically runs about 3–5 business days, after which you print your license from NIPR or the state portal.

Cost snapshot

Do not quote a memorized dollar figure for the PSI exam fee on an application — confirm the current amount in the PSI portal, since vendor fees change between catalog years.

Retake rules

Fail and you simply reschedule and re-pay PSI; Nebraska does not impose a fixed waiting period for retakes, though PSI may require a short administrative gap before you can rebook. Each line is scored separately on the combined exam, so you only retake the portion you failed if PSI's score report indicates a single-line failure.

Trap to avoid: passing the PSI exam does not make you licensed. You are only eligible. Until the NIPR application is approved and the license issued, you cannot solicit, negotiate, or sell — doing so is unlicensed activity and a prohibited practice.

Keeping the License: Renewal & Continuing Education

A Nebraska resident producer license is perpetual in line of authority but must be renewed every two years. Renewal is tied to your birth month, not the date you were first licensed.

Renewal mechanics

Worked example: A producer born in March 1989 (odd year) renews by March 31 of every odd-numbered year — 2025, 2027, 2029. Knowing your birth month and birth-year parity instantly tells you your deadline.

Continuing education (CE)

Complete CE first, let the provider report it (the system needs the hours posted before renewal will process), then file the $50 renewal. A frequent failure: a producer renews on the last day of the birth month before the provider has uploaded the hours, and the renewal stalls.

Product-specific training (separate from the 24-hour CE)

CE exemptions

• Limited-line producers (credit life/health, motor club, prepaid legal, etc.) are generally exempt.
• Non-resident licensees are exempt if they satisfy their home-state CE.

Trap: product training is in addition to, not a substitute for, the 24-hour general CE. An annuity producer still owes 24 hours (including 3 ethics) plus the one-time 4-hour annuity course.

Nebraska DOI contact

Your high-yield memory list

• Pre-license education: none required
• Provider: PSI Services LLC
• Passing score: 70%
• Combined exam: 150 scored + 5 pretest
• CE: 24 hrs / 2 yrs, incl. 3 ethics, no carryover
• Renewal: last day of birth month, $50