1.2 Nebraska Producer Licensing Requirements

Preparation and Resident Qualifications

Nebraska does not require pre-licensing education hours. You may choose a course or self-study materials, but do not mistake a provider’s advertised course length for a state licensing mandate. DOI does not review, approve, or recommend preparation providers.

New resident producer applicants must be at least 18, maintain their principal residence in Nebraska, meet the state’s competency and character standards, and pass the appropriate examination. The combined series 13-03 exam qualifies the Life and Accident and Health or Sickness lines. Life authority includes annuities; product-specific training and variable-product requirements are separate from passing this combined exam.

Use the full official outline to plan review. Its 16 weighted domains cover general insurance, life, annuities, accident and health, regulation, privacy, and federal tax. There is no separate national Life and Health exam prerequisite.

Sources: current first-time licensee checklist, page 1, PSI bulletin, printed pages 1–2, and lines of authority.

Examination and Physical Testing

The single-line outlines identify series 13-01 and 13-02. The bulletin’s list of examinations that can qualify a particular line should not be read as making series 13-03 a 100-item examination. Series 13-03 has its own combined format and passing cut.

Schedule through PSI Nebraska Insurance or call (833) 333-4754. Since March 16, 2026, new Nebraska insurance examination appointments are at physical PSI centers. Nebraska and other available PSI U.S. locations may be used.

Admission and materials

Arrive 30 minutes before the appointment. PSI requires one current government-issued ID containing your name, signature, and photograph. Temporary identification is not accepted. Follow PSI’s registration-name instructions. Phones, reference notes, and personal electronic devices are prohibited. PSI supplies scratch paper and a pencil for return at checkout.

Scores and retakes

The result appears on screen immediately; the score report is emailed and is also available to print from your PSI account. The combined cut is explicitly 105 of the 150 scored items. The five unscored items do not affect the score.

Nebraska imposes no waiting period and no limit on attempts. PSI cannot book a new appointment on the day you test; processing and available seats control the next appointment. Do not assume the combined examination has separately passed and failed halves.

Sources: PSI bulletin, printed pages 2 and 5–8, 13-03 outline, 13-01 outline, page 1, 13-02 outline, page 1, and DOI IGD-D8.

From Passing to Licensed Producer

Allow 2–3 business days for PSI results to upload. Apply through NIPR, disclose the requested background information, attach supporting documents when required, and pay the application fee. The current state fee for a resident producer application is $50, before applicable NIPR transaction fees. Ordinary processing may take 3–5 business days; background responses or missing documents can take longer.

The current first-time checklist says you have up to one year after passing to obtain the license. Apply early enough for review and issuance; submitting an application on the last day does not guarantee the license will be issued within that period. Passing alone does not authorize selling, soliciting, or negotiating insurance.

License and appointment

Section 44-4050 requires a license for the line being sold, solicited, or negotiated. Section 44-4061 separately requires an insurer appointment when the producer acts as that insurer’s agent. A producer not acting as an insurer’s agent is not required to become appointed.

The appointing insurer files its notice within 15 days from execution of the agency contract or submission of the first insurance application. The statute does not say every appointment filing must precede every insurance transaction. Keep the appointment requirement and filing deadline distinct.

Clerical work and commissions

Section 44-4051 has specific exemptions for duties such as indirectly related administrative or clerical work, with limits including no policy-sale commissions. Do not assume a job title alone creates an exemption or that a salaried person may freely solicit insurance.

Under section 44-4060, a person required to hold a license cannot be paid for selling, soliciting, or negotiating while unlicensed. Renewal or deferred commissions may be paid when the person was appropriately licensed at the time of the original transaction. The statute also permits specified payments to people who do not sell, solicit, or negotiate; the full rule matters more than a blanket “all commissions require a current appointment” statement.

Sources: current checklist, pages 2–3, DOI July 2026 fee schedule, licensure rule, licensure exceptions, payments rule, and appointment rule.