Nebraska Insurance Exam Guides
Pick the license you're studying for. Each guide covers Nebraska-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Nebraska exam's state-law material, mapped.
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What's actually tested on the Nebraska exam — the state regulations, mapped
Every Nebraska insurance exam reserves a block of questions for Nebraska-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 106 facts from the TESTivity Nebraska regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 11 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years from the date of issue, during the insured's lifetime (except nonpayment of premium)
- Grace period for individual life testedOne month (commonly 31 days); the insurer may charge interest not exceeding 6% per year during the grace period. Note: for policies issued on or after January 1, 2026, a 15-day pre-lapse notice is required.
- Window to reinstate a lapsed policy testedWithin 3 years of default, on evidence of insurability and payment of overdue premiums with interest
- Max interest chargeable on reinstatement, if capped testedOverdue premiums bear interest not exceeding 6% per year
- Free look for individual life testedApproximately 10 days for individual life is the customary Nebraska free look; a specific statutory day-count could not be fully confirmed from a primary source this edition
- Free look for long-term care tested30 days for long-term care (the NAIC-model figure adopted in Nebraska's Title 210 rules)
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance, under Nebraska's Standard Nonforfeiture Law (loan value available after 3 full years' premiums)
- Registrations required to sell variable products testedVariable life and variable annuities require Nebraska's Variable line (held with a Life license) plus FINRA registration — a Series 6 & 63, or Series 7 & 66 (no separate state exam for the variable line)
- Does the state regulate viatical/life settlements? testedYes — Nebraska regulates viatical and life settlements under the Viatical Settlements Act; providers and brokers must be licensed (there is a Viatical Settlements exam)
- Viator's rescission window testedThe viator may rescind before the earlier of 60 days after the contract is executed or 30 days after the proceeds are received
- Has the state adopted the NAIC best interest standard? testedYES — Nebraska adopted the NAIC 2020 best interest standard (Title 210), with a producer duty of care and a one-time 4-hour annuity training
Health 14 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Nebraska voters approved Medicaid expansion (Initiative 427, November 2018); coverage for adults to 138% of the federal poverty level began October 1, 2020 (the Heritage Health Adult program)
- Effective date of expansion, if expanded testedOctober 1, 2020 (approved by Initiative 427 in November 2018)
- Agency administering Medicaid testedThe Nebraska Department of Health and Human Services (DHHS), Division of Medicaid & Long-Term Care (managed care is delivered through Heritage Health)
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace (HealthCare.gov) — Nebraska does not run a state exchange
- Name of the state CHIP program testedKids Connection (Nebraska's Children's Health Insurance Program, administered by DHHS)
- Clean-claim payment deadline, electronic tested30 calendar days for a clean claim submitted electronically
- Clean-claim payment deadline, paper tested45 calendar days for a clean claim submitted on paper
- Does the state distinguish electronic vs paper claims? testedYes — Nebraska splits the clean-claim deadline: 30 days electronic, 45 days paper
- Interest / penalty on late claim payment testedInterest accrues on a clean claim not timely paid; the statutory rate was not confirmed from a primary source this edition
- Is the IRO's external review decision binding on the plan? testedYES — the independent review organization's external-review decision binds both the insurer and the claimant; a standard decision is due within 45 days (72 hours expedited)
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Nebraska state continuation covers smaller groups (fewer than 20)
- Employer size range covered by state continuation testedNebraska state continuation applies to groups with fewer than 20 employees (groups not subject to federal COBRA)
- Duration of state continuation coverage testedUp to 6 months of continuation
- Max premium as % of group rate testedThe enrollee pays the full group premium plus up to a 2% administrative charge (102%)
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) — Nebraska is NOT a no-fault state; there is no mandatory PIP. The at-fault driver's liability coverage pays the other party's damages.
- Minimum bodily injury liability per person tested$25,000
- Minimum bodily injury liability per occurrence tested$50,000
- Minimum property damage liability tested$25,000
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25, plus mandatory uninsured AND underinsured motorist coverage at 25/50
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY — uninsured-motorist coverage is compulsory at a minimum of $25,000/$50,000 and cannot be rejected below that minimum
- Underinsured motorist status testedMANDATORY — underinsured-motorist coverage is ALSO compulsory at a minimum of $25,000/$50,000
- Personal injury protection status testedNot required — Nebraska is a tort state with no mandatory PIP (medical payments coverage is optional)
- Contributory / pure comparative / modified comparative negligence testedModified comparative negligence with a 50% bar — a claimant recovers only if their negligence is LESS THAN the total negligence of the parties they claim against; if the claimant's negligence is EQUAL TO OR GREATER THAN that total (50% or more), recovery is TOTALLY BARRED. The award is reduced by the claimant's share.
- The bar percentage, if modified comparative tested50% bar — a claimant whose negligence is 50% or more (equal to or greater than the defendants' combined negligence) recovers nothing
- Assigned risk / residual market plan for auto testedThe Nebraska Automobile Insurance Plan (the assigned-risk plan for drivers who cannot obtain coverage voluntarily)
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedNebraska's Motor Vehicle Safety Responsibility Act (ch. 60) lets a driver comply with a liability policy, a $75,000 cash or securities deposit, a surety bond, or a certificate of self-insurance
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal tested2 years (biennial), expiring on the last day of the licensee's birth month
- What the renewal date keys off (flat term / birthday / birth year) testedBirthday-based — the license expires on the last day of the licensee's birth month, on a 2-year cycle keyed to even/odd birth years
- CE hours per renewal period, standard case tested24 CE hours every 2 years — 21 hours of general CE plus 3 hours of ethics (total capped at 24)
- CE hours if holding multiple license types (if different) tested24 total each period — no licensee must complete more than 24 cumulative hours in any two-year period, regardless of lines held
- Ethics hours required per period tested3 hours of ethics each period (within the 24)
- Limits on who may provide CE credits testedCourses and providers must be approved by the DOI; the same course may not be repeated for credit within a period, and excess hours do not carry over
- Initial long-term care training requirement tested8 hours of initial long-term care training before selling LTC, plus 4 hours of ongoing training every 24 months
- What happens if CE is not completed (fine / expiry / cancellation) testedFailing to meet the CE requirement results in nonrenewal or non-issuance of the license
- Late renewal / reinstatement tiers testedReinstate a license expired more than 30 days but less than 1 year by reapplying with the application fee plus a late fee; after 12 months of lapse you must re-pass the exam
- Any CE exemption (e.g. long-service agents) testedLicensees are EXEMPT from CE for their FIRST renewal; nonresidents satisfy CE through their home-state license
Property 6 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedCompetitive FILE-AND-USE for most lines under the Property and Casualty Insurance Rate and Form Act, with prior-approval filing for certain specified lines
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but RESTRICTED — an insurer may not use income, gender, address/ZIP, ethnicity, religion, marital status, or nationality in a credit model, and may not deny, cancel, or nonrenew based SOLELY on credit; a credit report must be pulled within 90 days and rechecked at least every 36 months
- Does the state have a FAIR Plan? testedNO — Nebraska does NOT operate a FAIR Plan. High-risk property that cannot be placed in the standard market uses the surplus lines market.
- Dominant catastrophe perils in the state testedTornadoes, hail, and severe convective storms (Nebraska sits in both tornado and hail alley), including damaging straight-line wind (derecho), plus winter storms — an inland, non-hurricane exposure
- What license you must already hold to write surplus lines testedA surplus lines license, which requires first holding an active Nebraska resident Property & Casualty producer license
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent search of the admitted market first, documented by declinations from authorized insurers, before a surplus lines placement
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Nebraska Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits
- Health benefit limit tested$500,000 for basic hospital, medical, or major medical; other health categories are lower under the model
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life, per member insurer (except health can reach $500,000)
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits ($300,000 death benefit, $100,000 cash value, $250,000 annuity)
- Name of the P&C guaranty association testedThe Nebraska Property and Liability Insurance Guaranty Association (NPLIGA)
- Per-claim cap testedUp to $300,000 per covered claim (unearned-premium refunds capped at $10,000 per policy); workers' compensation claims are paid in FULL
- Is using the guaranty association as a sales inducement prohibited? testedYes — using or advertising the existence of the guaranty association to induce the purchase of insurance is prohibited
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — essentially every employer with one or more employees must carry workers' compensation coverage
- Employee count at which coverage is required testedCoverage is required from the first employee — Nebraska has no numeric threshold (limited exceptions for certain agricultural, household, and railroad workers)
- Agency administering workers' compensation testedThe Nebraska Workers' Compensation Court — a specialized court, not a division of the Department of Insurance
- Temporary total disability wage replacement rate testedTemporary total disability: 66 2/3% of the average weekly wage, subject to the state maximum, after a 7-day waiting period (retroactive to day 1 if disability exceeds 6 weeks)
- Maximum TTD duration testedPayable for the duration of the temporary total disability (during recovery); there is no fixed weeks cap for TTD itself
- Deadline to file a claim testedFile within 2 years of the injury (or within 2 years of the last compensation payment); tolled if the employer fails to file the First Report of Injury
- Ways an employer may comply (insure / self-insure / group) testedBuy a policy from an admitted carrier, or qualify as an approved self-insurer with the Workers' Compensation Court
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Nebraska Department of Insurance (DOI)
- Title of the person who heads it testedDirector of Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Governor with the confirmation of the Legislature (Nebraska's Unicameral) — not elected
- Where the state's insurance law is codified testedChapter 44 of the Nebraska Revised Statutes (Insurance), with regulations in Title 210 of the Nebraska Administrative Code
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — the Department of Insurance is a conventional standalone department. (Nebraska's structural quirk is elsewhere: its ONE-HOUSE Legislature, the Unicameral, confirms the Director.)
Cancellation 8 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — a property or liability policy in effect 60 days or less may be canceled more freely; after 60 days cancellation is limited to enumerated causes (an auto policy in effect less than 60 days is likewise less protected)
- Notice days to cancel a homeowners policy inside the initial window testedAt least 60 days' written notice to cancel or nonrenew a homeowners/property policy, stating the reason (10 days for nonpayment)
- Notice days to cancel a personal auto policy inside the initial window testedAt least 30 days' written notice to cancel a personal auto policy (10 days if a premium-finance company initiates it for nonpayment)
- Notice days for cancellation for nonpayment tested10 days' notice for cancellation for nonpayment (property/liability); auto nonpayment cancellations by a premium-finance company are also 10 days
- Notice days for cancellation for other permitted causes testedProperty/liability: 60 days for cancellation on an enumerated cause. Auto: 30 days.
- Notice days required for nonrenewal testedAt least 60 days before expiration for nonrenewal of a property or liability policy, stating the reason
- Must the reason be stated proactively, on request, or not at all? testedYes — a property or liability cancellation or nonrenewal notice must state the reason; after 60 days cancellation is allowed only for enumerated causes (nonpayment, material misrepresentation, a fraudulent claim, a policy violation, a substantial increase in risk, loss of reinsurance, or a Director determination)
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedNebraska does not enumerate a specific claims-based nonrenewal bar beyond the general 'state the reason' rule and the personal-lines credit-information limits (no denial, cancellation, or nonrenewal based solely on credit)
Licensing 23 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life exam and line of authority (Life includes annuities)
- Is there a standalone health license/exam? testedYes — a standalone Accident & Health or Sickness exam and line of authority
- Is there a combined life+health license/exam? testedYes — Nebraska offers a combined Life, Accident & Health or Sickness exam (13-03), in addition to the individual Life and Accident & Health exams
- Is there a personal lines license/exam? testedYes — a Personal Lines line (its own exam, 13-21), covering noncommercial property and casualty risks
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Nebraska offers Property (13-22) and Casualty (13-23) as individual exams AND a combined Property & Casualty exam (13-04), plus a narrower Personal Lines line.
- Does the life license cover annuities? testedYes — FIXED annuities are sold under the Life line. VARIABLE life and variable annuities require the separate Variable line plus FINRA registration (they are securities).
- Does the P&C license already include personal lines authority? testedYes — a full Property & Casualty authority covers personal-lines risks; the Personal Lines line is a narrower noncommercial subset
- Full list of exam-based agent license types testedOne Nebraska producer license listing any of: Life · Accident and Health or Sickness · Property · Casualty · Personal Lines · Variable Life and Variable Annuity — plus specialty lines (Crop/Hail, Title, Funeral, Motor Club, Viatical Settlements) and limited lines, Surplus Lines, and Public Adjuster
- Exam administrator (Prometric / PSI / Pearson VUE) testedPSI Services (PSI) administers Nebraska producer exams under contract with the DOI (PSI replaced Prometric in 2023)
- Exam fee tested$43 for a single-line exam; $47 for a combined Life, Accident & Health or Property & Casualty exam
- License application fee tested$50 for a resident producer license (nonresident $100), filed through NIPR; note Nebraska amended its producer-licensing fees in 2026 (LB967), so confirm the current amount
- Passing score tested70%
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — Nebraska does NOT require pre-licensing education. The exam is open-eligibility; candidates study the content outlines and sit the exam directly.
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — no pre-licensing course is required. Candidates study the PSI content outlines and sit the exam directly.
- Fingerprints, state police report, or none testedBackground review through the application's disclosure questions and a state and federal criminal history check (supporting documents filed through NIPR). Whether resident producers are fingerprinted was not confirmed from a primary DOI source this edition.
- Deadline to apply after passing the exam testedYou must submit the application and fees to the DOI within 1 year of passing the exam
- How long a passed exam remains valid testedA passed exam remains valid to support a license application for 1 year
- Waiting period before retaking a failed exam testedYou may retest as soon as the next available session (you cannot rebook the same day); attempts are unlimited
- Notice required to reschedule/cancel without forfeiting the fee testedYou must cancel or reschedule at least 2 days before the appointment to avoid forfeiting the fee
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com); PSI uploads exam results to the DOI within a few days
- Are temporary licenses available? testedYes — a temporary license is available to service the business of a deceased, disabled, or deployed producer
- Temporary license duration and training requirement testedAvailable to continue an existing business (death, disability, or deployment of a licensed producer); the exact statutory duration was not confirmed this edition