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.
Free study resource
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: 163 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 August 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 17 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years from its date, during the insured's lifetime - except for nonpayment of premiums, and except for stated limitations on death resulting from war and from aeronautics other than as a fare-paying passenger of a commercial airline
- Grace period for individual life testedOne month, for premiums falling due after the first year, and the insurer may charge interest "not in excess of six percent per annum" for the days of grace elapsed. Flat - NOT tiered by premium mode, unlike the accident and health grace period
- Window to reinstate a lapsed policy tested3 years from default, on evidence of insurability satisfactory to the company and payment of arrears with interest - but read the opening clause, which SCOPES it: the provision applies where, on default, "the value of the policy shall be applied to the purchase of other insurance." It is not a universal 3-year right
- Is reinstatement interest capped? testedNO. 44-502(11) requires "arrears of premiums with interest" and sets no ceiling at all. The 6% figure that gets attached to this answer is a GRACE-PERIOD ceiling at 44-502(2), and 44-502.03's caps reach policy LOAN interest, not premium arrears
- Free look for individual life tested10 days, and it is STATUTORY, not a form standard - and it is not in the required-provisions section. Neb. Rev. Stat. 44-502.05 is a decimal-suffixed sibling of 44-502, covers life AND annuity in one sentence, and carves out only a credit life policy
- Free look for long-term care tested30 days from delivery, with the notice prominently printed on the first page - and it is a statute, not a rule. Read where the carve-out sits: the first sentence grants the right flatly, and it is the NOTICE sentence that excepts "a certificate issued to a group as defined in subdivision (1) of section 44-4508"
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance and extended term insurance under the Standard Nonforfeiture Law for Life Insurance. The loan value becomes available after 3 full years' premiums, and the insurer may defer a policy loan for 6 months except when the loan is made to pay a premium
- Registrations required to sell variable products testedNebraska's own requirement is the Variable Life and Variable Annuity line of authority, and the bulletin lists it as one of the four lines needing NO examination. The securities registration that also gates variable sales is FEDERAL - no Nebraska statute or rule names FINRA, the SIE or any series number
- Does the state regulate viatical/life settlements? testedYes - the Viatical Settlements Act, and there is a Viatical Settlements producer examination, series 13-26, 60 scored questions in 1 hour
- Viator's rescission window testedBefore the EARLIER of 60 calendar days after the contract is executed by all parties, or 30 calendar days after the proceeds have been paid to the viator. Note the operator - it is the earlier, so receiving the money starts a shorter clock that can cut the 60 days short
- Has the state adopted the NAIC best interest standard? testedYES - the Nebraska Protection in Annuity Transactions Act adopts the NAIC 2020 best interest standard, and the training is a one-time FOUR-CREDIT course. Two things the act then does that most states' do not: 44-8102(2) expressly declines to create a private cause of action AND expressly declines to subject the producer to fiduciary standards
- Suicide exclusion period tested2 years - and the section it sits in is the PROHIBITED-provisions section, not the required-provisions section. 44-503(2) is drafted as a ceiling on the insurer: no policy may exclude or restrict liability for suicide "if such death occurs more than two years after the policy date"
- Notice before a life policy lapses testedNEW: for policies issued or delivered on or after 1 JANUARY 2026, at least 15 days before termination or lapse for nonpayment, a notice must go to the last-known address of the owner AND any assignee on record - and 44-502(15)(b) gives a recorded assignee "the same legal standing as the owner" to receive it
- How fast a life death claim must be settled testedTwo clocks, two triggers. The policy provision at 44-502(12) requires settlement on receipt of due proof of death "or not later than two months after receipt of such proof." Separately, statutory interest starts at 30 days from receipt of proof - but only where the beneficiary "elects in writing to receive the proceeds in a lump-sum payment"
- Misstatement of age clause testedThe amount payable is what "the premium paid would have purchased at the correct age." Note the contrast with GROUP life, where 44-1607(5) instead requires an "equitable adjustment of premiums, of benefits, or of both" - two different remedies for the same mistake
- Maximum policy loan interest rate testedAn insurer ELECTION between a fixed maximum "of not more than eight percent per annum" and an adjustable ceiling, and the whole scheme is DATE-SCOPED to policies issued on or after 30 August 1981 - a pre-1981 contract stays outside it unless the policyholder agrees in writing. The adjustable ceiling is the HIGHER of the published monthly average for the month ending two months earlier, or the cash-value crediting rate plus 1%
- Group life conversion right tested31 days after termination, without evidence of insurability. Worth holding because Nebraska mandates this on the group LIFE side and does NOT mandate an equivalent group HEALTH conversion privilege
Health 23 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 after receipt if submitted electronically - and the statute writes "calendar" out loud, which matters in a state whose claim-practice rules define "days" to mean working days
- Clean-claim payment deadline, paper tested45 CALENDAR days after receipt if submitted in a form other than electronically
- Does the state distinguish electronic vs paper claims? testedYes - 30 days electronic against 45 days paper, and the duty is per claim. Do not confuse it with the 90% figure: that lives in the definition of a "prompt payment act compliance statement" and BUYS AN INSURER AN EXEMPTION from the interest obligation if filed by 1 December, rather than being the standard
- Interest / penalty on late claim payment tested12% per annum on the total amount ultimately allowed, accruing from the date payment was due. It is AUTOMATIC - the statute imposes it without the provider asking - but it need only be remitted quarterly, or once the aggregate for a provider exceeds $10
- Is the IRO's external review decision binding on the plan? testedYES, the IRO decision binds. Filing window is FOUR MONTHS after receipt of the adverse determination; preliminary review 5 business days; standard decision within 45 days; expedited no more than 72 hours
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Nebraska's mandate is written to cover exactly the groups federal law does not, by reference to IRC section 4980B rather than by naming a headcount
- Employer size range covered by state continuation testedOnly groups NOT subject to section 4980B of the Internal Revenue Code - that is, groups too small for federal COBRA. And the trigger is narrower still: continuation runs only on INVOLUNTARY termination of employment "for reasons other than misconduct in connection with employment," and a labor dispute is not an involuntary termination
- Duration of state continuation coverage tested6 months. A separate and much longer track exists for a covered surviving spouse or surviving dependent children on the employee's DEATH - that one runs up to 1 year
- Max premium as % of group rate tested102% of the total premium, on both the 6-month track and the 1-year survivor track
- Free look on an individual accident and health policy tested10 days - from its OWN statute, 44-710.18, not the life free look at 44-502.05. Two separate sections, the same number of days, and two different carve-outs: credit life on the life side, and "single-premium nonrenewable policies" on this one
- Accident and health grace period, tiered by mode testedGenuinely mode-tiered, unlike the flat one-month life grace period: not less than 7 days for weekly premium policies, 10 for monthly premium policies, and 31 for all other policies. The statute is drafted as a fill-in-the-blank with those minimums in a parenthetical
- How many provisions an individual A&H policy must contain testedTHIRTEEN, at 44-710.03 - entire contract, time limit on certain defenses, grace period, reinstatement, notice of claim, claim forms, proofs of loss, time of payment, payment of claims, physical examinations and autopsy, legal actions, change of beneficiary, and conformity with state and federal law. A separate section, 44-710.04, carries eleven PERMISSIVE provisions
- How mini-COBRA is actually elected testedBy CERTIFIED MAIL, twice, on two 10-day clocks. The employer sends notice by certified mail with return receipt requested not later than 10 days after termination, and the employee returns the election form AND THE FIRST MONTHLY PREMIUM, also by certified mail, within 10 days of receiving it. Federal COBRA allows 60 days to elect; Nebraska allows ten
- Medicare supplement free look tested30 days, on a notice prominently printed on the first page - and the section opens "Notwithstanding any other provision of law," so it overrides the 10-day A&H free look rather than competing with it. The refund is paid directly to the applicant by the issuer
- Medicare supplement for people under 65 testedSince 1 January 2025 an issuer offering Medigap to those 65+ must make at least one policy available to an under-65 enrollee eligible by DISABILITY, and the premium "shall not exceed one hundred fifty percent" of the premium for a similarly situated 65-year-old. That person then gets a SECOND, fresh open enrollment beginning the first day of the first month they turn 65
- Is there a Medicare supplement birthday rule? testedNo birthday rule and no annual continuous open enrollment appear anywhere in the Medicare Supplement Insurance Minimum Standards Act. What Nebraska has is the six-month window beginning when a person is both 65 and enrolled in Part B, and the under-65 disability route above
- Long-term care producer training testedA one-time course of not less than 8 hours plus ongoing training of not less than 4 hours every 24 months - and the enforcement sits on the carrier: 44-4521(3)(a) requires the insurer to obtain verification that the producer received the training BEFORE the producer is permitted to sell. The training may not include sales or marketing information
- What actually triggers prompt-pay enforcement testedAn "unfair payment pattern" - and the definition contains NO percentage. It reaches a demonstrable and unjust pattern of processing delays or improper reductions, repeated failure to pay uncontested portions on time, or failing on a repeated basis to pay the interest when due
Auto 15 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, and the statutory operator is "not less than"
- Minimum bodily injury liability per occurrence tested$50,000, subject to the limit for one person, and the operator is "not less than"
- Minimum property damage liability tested$25,000, and the operator is "not less than"
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25 - and note the operator in 60-509 is "NOT LESS THAN" each figure, a floor rather than a fixed amount. On top of that, uninsured AND underinsured motorist coverage are separately mandatory at 25/50
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY, and it cannot be rejected at all. 44-6408(1) is drafted as an absolute delivery prohibition - "No policy ... shall be delivered, issued for delivery, or renewed ... unless coverage is provided." There is no waiver form and no rejection mechanism anywhere in the Act
- Underinsured motorist status testedALSO MANDATORY, at the same 25/50 limits and equally non-rejectable - which is unusual. And Nebraska's underinsured trigger is DAMAGES-based rather than a limits comparison: it asks whether the other driver's insurance is less than, or has been reduced by payments to others to less than, the insured's damages
- Personal injury protection status testedNot required - and neither is medical payments coverage. Nebraska's compulsory list is bodily injury liability, property damage liability, and UM/UIM, and nothing else. Medical payments appears in 44-514(2) only as a component of "automobile liability coverage" for the purposes of the cancellation article - a scoping definition, not a mandate
- 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, administered through AIPSO and effective since 1 July 1946, covering personal AND commercial auto, with all insurers writing auto in Nebraska required to subscribe. Note the name comes from the plan's own administrator - no authorizing Nebraska statute for it could be located, and 44-523 is the auto cancellation section, not the plan's enabling law
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedFour proof methods at 60-528: a certificate of insurance, a bond, a certificate of deposit of money or securities, or a certificate of self-insurance. The deposit is $75,000 PER VEHICLE with the STATE TREASURER, and the figure is flat - the statute says neither "at least" nor "not less than" - with securities measured at a market value of $75,000
- Can UM/UIM limits be stacked? testedNO. Limits for two or more vehicles "insured under the same policy or separate policies shall not be added together, combined, or stacked." And where more than one policy applies, the maximum recovery "shall not exceed the highest limit of any one such policy"
- How high must an insurer write UM/UIM on request? testedThe insured may demand higher limits in writing, but "in no event shall the insurer be required to provide limits higher than one hundred thousand dollars per person and three hundred thousand dollars per accident." Once the coverage is purchased there is no duty to re-offer at renewal
- Can a policy exclude the named insured or a household member? testedNo - a household or named-insured exclusion is void by statute. An automobile liability policy "shall not exclude, limit, reduce, or otherwise alter liability coverage ... solely because the injured person making a claim is the named insured in the policy or residing in the household with the named insured"
CE & Renewal 13 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedNot a flat two years. A licence expires on the last day of the producer's birth month "in the first year after issuance in which his or her age is divisible by two" - so the FIRST term is a stub of anywhere from weeks to nearly two years, and the bulletin warns it "is not pro-rated based on the issue date." Every term after that is biennial. Business entity licences expire 30 April of even-numbered years
- What the renewal date keys off (flat term / birthday / birth year) testedBirth month, gated on the parity of the licensee's AGE, not of the calendar year of issue. Someone born in an even-numbered year renews in even years; someone born in an odd year renews in odd years. Renewal opens 90 days before expiration, and a late renewal is possible for 30 days after with a late fee
- CE hours per renewal period, standard case tested24 per 24-month period, and the statute builds it as 21 + 3: "twenty-one hours of approved continuing education activities" plus "three hours ... on insurance industry ethics," with a ceiling of "not more than twenty-four cumulative hours"
- CE hours if holding multiple license types (if different) tested24 total per period per person, whatever the number of lines - the statute caps the requirement at 24 cumulative hours in any two-year period
- Ethics hours required per period tested3 hours on insurance industry ethics, inside the 24 and separate from the 21 general hours
- Limits on who may provide CE credits testedCourses and providers are approved by the Department itself through State Based Systems - there is no third-party CE administrator. PROVIDERS upload completions, within 10 days of the completion date; the DOI states it "will not accept any completion certificates from licensees"
- Initial long-term care training requirement tested8 hours one-time plus 4 hours every 24 months, and it is in a STATUTE rather than a rule. Nebraska's other two gates: annuity is a one-time 4 credits, and flood is a one-time 3 hours
- What happens if CE is not completed (fine / expiry / cancellation) testedNo renewal without it. And the exemption list is one of the places where Nebraska's CE RULE is narrower than its CE STATUTE - 210 NAC Chapter 38 section 005 carries only three exceptions and omits the first-licence-period one the statute grants, while section 006 states no hour figures at all
- Late renewal / reinstatement tiers testedRenewal opens 90 days before expiry and a late renewal is accepted for 30 days after it at a $40 late fee. A lapsed individual licence is reinstatable within 12 MONTHS "without the necessity of passing a written examination" - the resident reinstatement fee is $90. The statutory CEILINGS - $125 for a late renewal and $175 for reinstatement - sit well above the charged amounts
- Any CE exemption (e.g. first renewal, long-service agents) testedThe first-period exemption is CONDITIONAL and most new producers will not get it: 44-3903(6) exempts "licensees in their first license period IF THAT FIRST LICENSE EXPIRES LESS THAN ONE YEAR AFTER THE DATE OF LICENSING." Because the first term is keyed to age parity and is not pro-rated, a first licence can easily run past a year - and then the full 24 hours are owed. Six exceptions in all; none is for length of service or age
- Can surplus CE hours be carried forward? testedNo. The DOI states credits may not be carried over to the next renewal period, and a course may not be repeated for credit within the same period. There is no banking of extra hours and no statutory extension mechanism
- Credit for professional association participation testedUp to 6 credits for active participation in an approved professional insurance association, varying by licence type - but those credits may NOT be applied to the ethics requirement, a producer may claim from only one association, and social events do not count
- Which product gate attaches to a LINE rather than to conduct testedFlood. Nebraska's annuity and long-term care gates are conduct-triggered - "a producer who wants to sell," "may not sell, solicit, or negotiate" - but the flood gate reaches "all Nebraska resident insurance producers LICENSED IN PROPERTY/CASUALTY LINES OF AUTHORITY." And the flood hours are expressly INSIDE the 24: DOI says the three hours are "not required in addition to the normal 24 hours"
Property 15 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFile-and-use under the Property and Casualty Insurance Rate and Form Act - and that Act is also what 44-522(1) hangs the cancellation and nonrenewal provisions on
- 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 FAIR plan and no windstorm plan. Nebraska's three residual mechanisms are none of them a property FAIR plan: the Nebraska Automobile Insurance Plan, the Nebraska Workers Compensation Insurance Plan (administered by Travelers since 1 July 2000), and the Residual Malpractice Insurance Authority, reachable after declination by at least two insurers. Hard-to-place property goes to surplus lines
- 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 testedAn insurance producer licence - and note the statute says just that, not a Property & Casualty licence specifically: the department may issue a surplus lines licence "to any individual who currently holds an insurance producer license." The bulletin lists Surplus Lines Licensee among the four lines requiring NO examination
- Is a diligent-effort search of the admitted market required first? testedYes, but the proof is not a stack of declinations - it is a quarterly SWORN STATEMENT by the licensee that "the licensee could not reasonably procure such coverages from an admitted insurer." It is waived entirely for an exempt commercial purchaser who has been told in writing that the admitted market "may provide greater protection with more regulatory oversight" and who then asks in writing anyway
- Does Nebraska prescribe a standard fire policy? testedYes and then no. 44-501 requires fire and lightning policies to conform as nearly as practicable to the 1943 STANDARD FIRE INSURANCE POLICY OF THE STATE OF NEW YORK - and 44-501(11), the section's own last subdivision, lets an insurer file "any form of policy with variations in terms and conditions from the standard policy." The mandate is a default, not a floor
- Valued policy law testedYes, and it is broader than fire: it covers loss by fire, tornado, windstorm, lightning OR explosion. Two limits sit in the sentence itself - REAL property only, and only where the property is "wholly destroyed without criminal fault on the part of the insured or his or her assignee." Then the face amount is "conclusively" the true value and the measure of damages
- Grounds to cancel a property policy in force more than 60 days testedSEVEN, lettered (a) through (g): nonpayment of premium; material misrepresentation in obtaining the policy; a fraudulent claim; violation of the policy's terms and conditions; the risk originally accepted has substantially increased; certification to the Director of a loss of reinsurance; and a determination by the Director that continuing the policy could put the insurer in violation of the insurance laws
- What falls outside the property cancellation scheme entirely testedFour things, and they are excluded from subsections (2), (3) and (4) altogether rather than given their own notice period: automobile insurance, workers' compensation, insurance on growing crops, and "insurance coverage which is for a specified season or event and which is not subject to renewal or replacement"
- When a mailed cancellation notice is presumed received testedOn the THIRD CALENDAR DAY after the date of a United States Postal Service certificate of mailing, where first-class mail was used. Permitted methods are registered mail, certified mail, first-class mail, or first-class mail using intelligent mail barcode or a similar tracking method
- Does Nebraska mandate an appraisal clause? testedNo standalone statute mandates an appraisal clause, a proof-of-loss deadline, or a property claim-payment deadline. What binds instead is the 1943 New York form's own conditions as incorporated by 44-501 - themselves defeasible under 44-501(11) - plus the claim-handling clocks in 210 NAC Chapter 60
- Can a roofer rebate the insured's deductible? testedNo - "a residential contractor shall not promise to rebate any portion of an insurance deductible as an inducement to the sale of goods or services." And the homeowner may cancel such a contract before midnight on the LATER of the third BUSINESS day after signing, or the third business day after receiving written notice from their insurer
- Surplus lines premium tax and stamping fee tested3% of gross premiums less return premiums, collected from the insured and paid to the director BY THE LICENSEE - the duty is at 44-5506(2)(a) and the rate at (2)(b), two subdivisions doing two jobs. There is NO stamping fee and no stamping office in Nebraska. A separate section, 44-5515, handles the exempt-commercial-purchaser route
- What the insured must sign on a surplus lines placement testedWithin 30 days of the effective date, written permission plus an acknowledgment "that, in the event of the insolvency of such insurer, the policy will not be covered by the Nebraska Property and Liability Insurance Guaranty Association"
Guaranty 12 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 in life insurance death benefits, "but not more than one hundred thousand dollars in net cash surrender and net cash withdrawal values." The operator governing every cap is the lead-in at (3): the association's obligation is "the LESSER OF" the contractual obligation or the listed figure
- 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 HEALTH BENEFIT PLANS; $300,000 for disability insurance or long-term care insurance; $100,000 for coverages that are none of those three, including net cash surrender and withdrawal values. Nebraska's noun is "health benefit plans," and the pin cite runs four levels deep
- Aggregate per-individual cap, if any tested$300,000 in the aggregate "with respect to any one LIFE" - except for health benefit plans, where the aggregate "shall not exceed five hundred thousand dollars with respect to any one INDIVIDUAL." The unit switches inside the exception. A third unit applies to structured settlement annuities, which are measured per PAYEE
- Does the state follow the standard NAIC model limits? testedYes on the dollars - they track NAIC Model 520 exactly, so the figures are not the Nebraska difference. What IS Nebraska-specific is where they live and how they are counted: the caps sit in the coverages section 44-2703(3)(b), while the definitions section 44-2702 carries a $5,000,000 figure that is an ASSESSMENT-BASE exclusion inside the definition of "premiums," not a benefit limit
- Name of the P&C guaranty association testedThe Nebraska Property and Liability Insurance Guaranty Association (NPLIGA)
- Per-claim cap tested$300,000 per covered claim, never more than the face amount of the policy, and $10,000 per policy for unearned premium. Workers' compensation claims are paid at "the amount required by law" - uncapped. Since 2025 there is also a cybersecurity aggregate: $300,000 for all first-party and third-party claims arising out of a single insured event
- Is using the guaranty association as a sales inducement prohibited? testedYes on BOTH sides, and each act hides it. On the life and health side it is a decimal-suffixed sibling: 44-2719.01, "Using name of association; when prohibited." No person, including an insurer, agent or affiliate, may publish anything "which uses the existence of the Nebraska Life and Health Insurance Guaranty Association for the purpose of sales, solicitation, or inducement to purchase any form of insurance." The P&C act carries its own, differently drafted: 44-2416 flatly prohibits "advertisements by member insurers which include a reference to the coverage of the insurance guaranty association"
- Is there a high-net-worth exclusion on the P&C side? testedNO - and no $100 minimum-claim floor either, both genuine divergences from the NAIC property and casualty model. What 44-2403(4)(c) excludes is longer than most summaries allow - subrogation and assignment recoveries, a self-insured portion, retrospectively calculated and post-liquidation-adjusted premium, attorney and adjuster fees owed by the insolvent insurer, punitive or exemplary damages, IBNR damages, and any claim filed after the earlier of 25 months from the liquidation order or the court claims bar date - but a net-worth threshold is not among them
- What filing a claim with the P&C association costs you testedFiling operates as an UNCONDITIONAL GENERAL RELEASE unless the claimant demands within 30 days that the claim instead be processed through liquidation. Awards are also reduced by amounts recoverable from health insurance, disability programs, workers' compensation or employer benefits, and intentionally failing to disclose those forfeits all rights
Workers Comp 11 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 testedFrom the first employee for most employers - but the exemptions are a closed list of five at 48-106(2)(a)-(e), and four of them are agricultural or domestic. The one numeric threshold in the section is agricultural: an agricultural employer with unrelated employees is covered only if it employs ten or more unrelated full-time employees on each working day for thirteen calendar weeks
- Agency administering workers' compensation testedThe Nebraska Workers' Compensation Court - a specialised court, not a division of the Department of Insurance. It also sets the medical fee schedule and must review it at least biennially
- Temporary total disability wage replacement rate tested66 2/3% of the wages received at the time of injury. The waiting period and the maximum live in different sections - do not cite 48-121 for either
- 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 tested2 years from the accident, or from the death in a death claim - and where payments of compensation have been made, the limitation does not begin until 2 years from the making of the LAST payment
- Ways an employer may comply (insure / self-insure / group) testedFOUR routes, not two: insure with a licensed carrier; be party to an effective agreement with a self-insured motor carrier under 48-115.02; be a member of a risk management pool under the Intergovernmental Risk Management Act; or self-insure with the approval of the Nebraska Workers' Compensation Court. There is NO state fund
- Workers' compensation waiting period testedSEVEN calendar days - "no compensation shall be allowed for the first seven calendar days of disability" - and the retroactive trigger is SIX WEEKS: if the disability "continues for six weeks or longer," compensation is computed from the date disability began
- Maximum and minimum weekly benefit testedThe maximum is 100% of the state average weekly wage, adjusted each 1 January - unless the GOVERNOR suspends the adjustment by 30 November after a public hearing, which is a gubernatorial override few states have. The minimum weekly income benefit is $49
- Permanent partial disability duration testedLoss of earning power is 66 2/3% of the difference between the pre-injury wage and the earning power after, payable during the partial disability "but not beyond three hundred weeks." Scheduled members run on their own fixed week counts instead
- Whom the injured worker may choose as physician testedNarrower than most states: a physician "who has maintained the employee's medical records prior to an injury and has a documented history of treatment with the employee prior to an injury" - or one who did so for an immediate family member. It is a prior-relationship test, not a free choice
Regulator 15 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 - never "Commissioner." 44-101.01 gives the Department "general supervision, control, and regulation of insurance companies, associations, and societies and the business of insurance in Nebraska," and 81-101 lists the Department as one of twelve code agencies
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Governor "subject to confirmation by a majority vote of the members elected to the Legislature" - and the authority is in Title 81, the government-structure title, not in the insurance code. Because Nebraska's Legislature is unicameral there is no second chamber to clear
- 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 - a conventional standalone department, one of twelve code agencies. The structural quirk is the confirming body rather than the regulator: Nebraska's one-house Legislature confirms the Director, so a single chamber does the work two chambers do elsewhere
- Single act, or a general business practice? testedEITHER - and this is where national prep goes wrong. Both the Unfair Insurance Trade Practices Act and the Unfair Insurance Claims Settlement Practices Act use the same two-limb trigger: an act violates if it "is committed flagrantly and in conscious disregard" of the act OR "is committed with such frequency as to indicate a general business practice." A single flagrant act is enough under limb one
- Do the unfair practices acts reach a producer? testedBoth do, but only one says so on its face. The trade practices act names "any insurer, health insurance lead generator, or person engaged in the business of insurance" in the operative section. The claims settlement act's operative section says only "insurer" - and then 44-1538(1)(c) defines insurer to INCLUDE "agents, brokers, insurance consultants, adjusters, and third-party administrators." Reading 44-1539 alone gives the opposite of Nebraska law
- Maximum penalty, by actor testedDifferent numbers in different sections, and merging them answers the wrong question. A PRODUCER under the Producers Licensing Act: not more than $1,000 per violation. An insurer or person under either unfair practices act: $1,000 per violation to a $30,000 aggregate, rising to $15,000 per violation and a $150,000 aggregate where the violation was flagrant and in conscious disregard. Violating a cease and desist order: $30,000 per violation, $150,000 aggregate. Failing to report a name or address change: $500
- How many grounds to deny, suspend or revoke a licence testedFOURTEEN, lettered (a) through (n) - and two are worth noticing because national material omits them: (f) conviction of "a felony or a Class I, II, or III MISDEMEANOR," and (k) "improperly using notes or any other reference material to complete an examination." There is also a limitations rule: no disciplinary proceeding may be brought after three years from the termination of the licence
- Who files the appointment, and by when? testedThe INSURER, within 15 days of the earlier of the agency contract being executed or the first insurance application being submitted - and the insurer pays the fee, not the producer. Termination notice is 30 days. And a producer who is not acting as an insurer's agent "is not required to become appointed" at all
- Nebraska's value-added exception to the rebating ban testedNebraska adopted the modern NAIC reform: a product or service is permitted if it relates to the coverage and is primarily designed to satisfy one of NINE listed purposes, from loss mitigation to enhancing financial wellness. An insurer may run a one-year PILOT on a good-faith belief and "may proceed with the program unless the department objects within twenty-one days." Gifts and raffle prizes are capped at an amount the DIRECTOR sets - there is no statutory dollar figure
- Who else does the anti-rebating law bind? testedThe consumer. The third sentence of 44-361(1) reads "No insured person or party shall receive or accept, directly or indirectly, any rebate" - so accepting a rebate is itself prohibited, not merely offering one
- How long records must be kept testedFIVE years for both financial records and MARKET CONDUCT records - and market conduct records are expressly defined to include transactions with insureds, certificate holders, claimants, insurance producers, other insurers, subrogees and subrogors, plus trade practices, underwriting, rate and form practices and advertising
- Is there a premium trust-account rule? testedNebraska publishes no dedicated premium trust-account or fiduciary-segregation statute or rule for producers - the old agent-premium section, 44-362, was repealed in 1989. What stands in its place is a disciplinary ground: "improperly withholding, misappropriating, or converting any money or property received in the course of doing insurance business"
- Is there a controlled-business limitation? testedNone. No percentage-of-business test appears in the licensing application requirements, the definitions, the exceptions or the fourteen disciplinary grounds. Nebraska's "controlled" provision, 44-5704, is a solvency rule about controlling producers and controlled insurers, not a producer licensing limit
Cancellation 12 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days on both sides. For property, the seven enumerated grounds bite only once the policy "has been in effect for more than sixty days." For personal auto, 44-515 does not apply to a policy in effect less than sixty days when notice is mailed - unless it is a renewal policy
- Notice days to cancel or nonrenew a property policy tested60 days for either, with the reason stated - the same number for cancellation and for nonrenewal, which is unusually long for nonrenewal. The exceptions are 10 days for nonpayment of premium, and 10 days where the policy has a specified term of 60 days or less and has not previously been renewed
- Notice days to cancel a personal auto policy tested30 days, except for nonpayment of premium, which requires at least 10 days' notice ACCOMPANIED BY THE REASON. The insured may demand the reason for any cancellation not less than 25 days before the effective date, and the insurer must supply it within 5 days of the request
- Notice days for cancellation for nonpayment tested10 days on both sides, but from different statutes: 44-522(2) for property and liability, 44-516(1) for a personal auto policy. Note 44-523, the scheme covering commercial and other auto, sets NO nonpayment period at all - it governs only cancellations "given for reasons other than for nonpayment of premium"
- Notice days for cancellation for other permitted causes testedProperty and liability: 60 days. Personal auto: 30 days. Other auto under 44-523: 30 days, and any cancellation in violation of that section is VOID
- Notice days required for nonrenewal testedTwo very different numbers. Property and liability: 60 days before expiration, with the reason. Personal auto: only 20 days - and the auto grounds restriction at 44-515 expressly "shall not apply to nonrenewal," so a nonrenewal needs no listed ground at all
- Must the reason be stated proactively, on request, or not at all? testedProactively for property and liability - 44-522(2) ends "Such notice shall state the reason for cancellation or nonrenewal." For personal auto it is on request: the insured demands it at least 25 days before the effective date and the insurer answers within 5 days
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedNebraska sets no claims-count nonrenewal bar. What it does restrict is credit information in personal lines, and on the auto side the grounds themselves are the restriction - the 180-day window belongs to romanette (iv) alone, which reaches a licence "subject to revocation or suspension pursuant to the provisions of sections 60-4,182 to 60-4,186, by reason of his or her driving record as disclosed by the files of the Director of Motor Vehicles," and only where that record falls in the policy period or, on a renewal, in that period or the 180 days immediately preceding its effective date - the plain suspension ground at (i) carries no such limit
- Grounds to cancel a personal auto policy after 60 days testedThree heads at 44-515(1): nonpayment of premium; fraud or material misrepresentation affecting the policy or in presenting a claim, OR violation of the policy's terms or conditions; and driving-record grounds reaching the named insured or any household or customary operator - licence suspension or revocation, conviction of larceny or theft of an automobile, conviction of an offence for which suspension is mandatory, or a record subject to revocation under 60-4,182 to 60-4,186
- Which auto policies fall under which cancellation scheme testedTwo mutually exclusive schemes that are not between them exhaustive. 44-514 to 44-521 reach a policy insuring "a natural person as named insured or one or more related individuals resident of the same household" on private passenger or station wagon types, or a four-wheel pickup, panel or delivery vehicle not used in the insured's business - with four express exclusions. Most of what is left, commercial auto included, falls to 44-523 - but 44-523(3) excludes an assigned-risk policy and an incidental-auto personal or premises liability policy from that scheme as well, so those sit outside both. Nebraska's governing term is neither "private passenger" alone nor "personal automobile"
- Do claim-handling "days" mean calendar or working days? testedWORKING days, and by express definition rather than by inference. Both 210 NAC Chapter 60 and Chapter 61 carry a definitions section reading "'Days' means working days," so every 15-day claim clock in them is fifteen WORKING days. The Legislature agrees - 44-1540(14) writes "fifteen working days" into the statute - while the prompt-pay statute says "calendar" out loud. Nebraska is explicit in both directions
- The claim-handling clocks and whom they bind testedFifteen working days is the spine: acknowledge notice of a claim, reply to the Director, reply to the claimant, supply claim forms, begin the investigation, and affirm or deny after receiving proofs of loss. If more time is needed the insurer must say so within the same fifteen and give reasons, then update every thirty days. Because both acts define "insurer" to include agents, adjusters and consultants, these clocks reach a producer acting in a claims role
Licensing 30 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 - series 13-03, "Nebraska Producer's Examination for Life and Annuities, Accident and Health or Sickness Insurance," 150 scored questions plus 5 unscored, 2.5 hours, $47. It exists alongside the standalone Life 13-01 and Accident & Health 13-02, not instead of them
- Is there a personal lines license/exam? testedYes - series 13-21, "Nebraska Producer's Examination for Personal Lines Insurance," 100 scored questions plus 5 unscored, 2 hours, $43
- Is P&C one combined license, or split into Property and Casualty? testedBOTH. Property 13-22 and Casualty 13-23 are separate 100-question papers, and Property & Casualty 13-04 is a combined 150-question paper - with Personal Lines 13-21 as a narrower noncommercial alternative. Nebraska is one of the states where the candidate genuinely chooses the route
- 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 at 44-4054(1)(e), which the bulletin lists among the lines needing NO Nebraska examination. The securities registration that also gates the sale is federal, and no Nebraska statute or rule names a registration body or a series number.
- Does the P&C license already include personal lines authority? testedIn practice yes - Property and Casualty together reach noncommercial risks, and Personal Lines is the narrower line. But Nebraska publishes no provision saying the broader authority CONFERS the personal lines line of authority, so treat it as a coverage observation rather than a licensing rule
- Full list of exam-based agent license types testedOne producer licence listing any of: Life; Accident and Health or Sickness; Property; Casualty; Personal Lines; Variable Life and Variable Annuity - plus limited and specialty lines including Crop/Hail, Title, Motor Club, Funeral, Viatical Settlements, Prepaid Legal, Credit, and Surplus Lines Licensee. Four of those need no examination: Prepaid Legal, Credit, Variable, and Surplus Lines Licensee
- Exam administrator (Prometric / PSI / Pearson VUE) testedPSI Services, under contract with the DOI - the Department publishes no commencement date for the contract - and as of 16 March 2026 the examinations are TEST-CENTER ONLY, remote proctoring having been discontinued
- Exam fee tested$43 for a single-line examination and $47 for either combined paper - so reaching a combined authority by sitting two single-line exams costs $86 and four hours, against $47 and two and a half hours for the combined route
- License application fee tested$50 for a resident producer, against a statutory ceiling of $100. The NONRESIDENT fee is no longer a flat figure - since the fee schedule revised 17 July 2026 it is RETALIATORY, so it mirrors what the applicant's home state charges a Nebraska resident, and nonresident reinstatement is a retaliatory fee plus a $125 late fee
- Passing score tested70%, and it is a RAW count rather than a scaled score - the bulletin prints each cut twice, as a percentage and as an absolute: "100 Items (70%) or 70 correct" and "150 Items (70%) or 105 correct." Nothing in the document describes scaling
- Minimum age to be licensed tested18 - one of the four findings the director must make before approving a resident application
- Is pre-licensing education required? testedNO - stated affirmatively by the Department rather than inferred: "The Nebraska Department of Insurance does not require pre-licensing education." 44-4053's list of what the director must find before approving an application contains no education element
- 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, criminal history check, or self-disclosure? testedNONE OF THE FIRST TWO. No Nebraska source requires fingerprints of a resident producer applicant, and none states that the Department runs a state or federal criminal history record check. What Nebraska operates is SELF-DISCLOSURE plus documentary review: an applicant with a felony conviction discloses it, describes the circumstances, and attaches court documents for the Department to review
- Deadline to apply after passing the exam testedOne year from passing. The bulletin also ties the money to the same clock - the examination fee "is valid for one year from the date of payment"
- 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 testedNo cap and no waiting period beyond same-day rebooking. The bulletin states it affirmatively: "Nebraska Insurance examinations are open eligibility. You may test unlimited until you pass." You cannot book a retake on the day you tested - fail on a Wednesday, call Thursday, retest Friday
- Notice required to reschedule/cancel without forfeiting the fee tested2 days before the scheduled examination date, or the fee is forfeited. The bulletin lists four ways to forfeit: not cancelling in time, not appearing, not being checked in by the scheduled start time, and not presenting proper identification at check-in. No separate rescheduling fee is mentioned
- Where you apply (Sircon / NIPR / state portal) testedNIPR is where the DOI points applicants - but Sircon also transacts Nebraska resident producer applications and renewals. The Department hosts no application portal of its own; it uses State Based Systems for CE and lookups
- Are temporary licenses available? testedYes, and Nebraska has TWO different ones. The statutory temporary licence runs up to 180 days on four grounds; the Department separately issues an APPRENTICE Insurance Producer Licence for 120 days, obtainable only once, requiring a sponsoring resident producer
- Temporary license duration and training requirement testedStatutory temporary licence: up to 180 days, no examination, on the death or disability of a producer, the death or disability of a designated individual in a business entity licence, a producer entering active service in the armed forces, or any circumstance the director finds serves the public interest. It ends early if the owner or personal representative disposes of the business. The Apprentice licence is 120 days, once only, $50, and lapses if sponsorship ends unless new sponsorship is found within 10 days
- How many unscored questions are on the exam testedPSI's own documents give three different answers, and all three are current. Each per-exam content outline says "plus 5 unscored items." The bulletin's experimental-items paragraph says "a small number of one to ten experimental items, generally, approximately 10% of the number of questions," and adds that they "will count against examination time." The content-outline index says "(5 to 10)." Budget for ten, not five
- Where the examinations are held testedThirteen PSI sites across seven cities: Omaha has five, Lincoln three, and Grand Island, Norfolk, North Platte, Scottsbluff and Sidney one each. Nebraska candidates may also sit the Nebraska examination at any PSI location in any state
- Identification required at the test centre testedONE form, not two - unusual among the states. It must carry a photograph and a signature and be valid and unexpired, and the accepted list is five documents: a state issued driver's licence, a state issued identification card, a US Government issued passport, a US Government issued military identification card, or a US Government issued alien registration card
- A published trap in the Department's own documents testedThe bulletin the DOI hosts is not the current one. Its cover stamp reads 2/1/2024 against PSI's 3/16/2026, and it still describes remote proctor scheduling that no longer exists and lists twelve Nebraska test centres rather than thirteen. The DOI's 1/2025 licensee checklist likewise still advertises online proctoring. Use PSI's copy
- Who pays for an appointment, and how much testedThe INSURER pays, not the producer - the schedule lists $8 (MINIMUM) for the appointment, retaliatory on the producer's domicile state, and $3 to terminate one, against statutory ceilings of $10 each. And only licensed producers may be appointed: insurance agencies may not be
- Moving to Nebraska with an existing licence testedApply within 90 days of establishing legal residence and no examination is required for any line of authority previously held in the prior state. The Department's own FAQ adds the sequencing the statute omits: change the status of the previous resident licence FIRST, and only then contact Nebraska's licensing division
- Is there a designation-based exam waiver? testedNo. 44-4052(1) makes the examination requirement subject to a closed cross-reference - exempt "pursuant to section 44-4056 or 44-4069 or subsection (4) of section 44-9304" - which is prior-state licensure, the self-service storage limited licensee, and limited lines travel. No professional designation appears in any of them, and the bulletin has no exemptions section at all