Nebraska Life & Health Insurance Exam 2026

Life and Health Authority in Nebraska

Nebraska examines Life and Accident and Health together as series 13-03, "Nebraska Producer's Examination for Life and Annuities, Accident and Health or Sickness Insurance" - 150 scored questions in two and a half hours for $47. The single-line papers, 13-01 and 13-02, remain available at $43 each.

The arithmetic favours the combined paper unusually strongly here. Two single papers cost $86, take four hours across two appointments and ask 200 scored questions. The combined paper costs $47, takes 150 minutes and asks 150. And because Nebraska charges per licence rather than per line of authority, the $50 application fee is the same whichever route you take - one licence carries as many lines as you qualify for.

What you give up is pace and margin. The combined paper runs about 58 seconds an item against 69 on a single-line paper, and a failure costs both lines at once. A candidate who is strong on life and shaky on health may still prefer to split the work and absorb the extra $39.

This guide owns exam day and temporary licences for every Nebraska line.

The Two Routes, Side by Side

Counting all items, the combined paper is 155 questions in 150 minutes - about 58 seconds each - and each single-line paper is 105 in 120, about 69 seconds each. The combined route is the faster paper as well as the shorter total.

Passing is 70% either way, and Nebraska expresses it as a raw count rather than scaling it. The bulletin prints both forms: "150 Items (70%) or 105 correct" and "100 Items (70%) or 70 correct." There is no sentence anywhere in the document describing a scaled score, so the arithmetic is exactly what it appears to be.

Splitting the papers means two twelve-month clocks, not one. A pass supports a licence application for one year, and the examination fee is separately "valid for one year from the date of payment." Sit Life in March and let fourteen months pass before sitting Accident and Health, and the Life result has expired by the time you apply for both.

The bulletin publishes the scored count and the cut score, but no time limit at all - that comes from the content outline for series 13-03, which also prints the unscored-item count. The Life guide covers the three different figures PSI gives for unscored items, and the Property guide covers booking.

Most Tested Topics Across Both Nebraska Lines

A producer selling across life and health has to hold a body of material neither single-line guide owns: what the guaranty association pays when a carrier fails, how replacement is policed, and the continuing-education arithmetic that governs the licence itself.

The guaranty aggregate is the single most testable row, because the unit changes inside one sentence. 44-2703(3)(b)(iii)(A) says the association is not obligated to cover more than "an aggregate of three hundred thousand dollars in benefits with respect to any one life" - and then, for health benefit plans, that its liability "shall not exceed five hundred thousand dollars with respect to any one individual." One life for the general ceiling, one individual for the health exception, and a third unit entirely for structured settlement annuities, which are measured per payee. Three units in one subdivision.

Nebraska's dollar figures track NAIC Model 520 exactly, so do not sell the numbers as the Nebraska difference. What is Nebraska-specific is where they sit and what sits near them. The caps are in the coverages section, 44-2703(3)(b), with pin cites running four levels deep. The definitions section, 44-2702, carries a $5,000,000 figure that is not a benefit cap - it sits inside the definition of "premiums" and excludes that excess from the assessment base. There is a benefit-side $5,000,000 too, at 44-2703(3)(b)(iii)(B), capping benefits with respect to multiple nongroup life policies held by one owner. Two five-million-dollar figures doing entirely different jobs, in two different sections.

And the replacement rules are a clean actor test. Every numeric clock in 210 NAC Chapter 19 belongs to an insurer. The replacing insurer notifies any other affected existing insurer within five business days of a completed application, and gives the owner notice of the right to return the contract within thirty days with an unconditional full refund. The existing insurer sends policy values within five business days of a request. The producer's duty at section 006.01 carries no day count at all - it is event-anchored: submit a statement signed by both the applicant and the producer as to existing policies, "with or as part of the application." "The producer has five business days to notify the existing insurer" is a confident, clean, wrong answer in Nebraska.

What Happens on a Nebraska Exam Day

Arrive thirty minutes before your appointment. The bulletin: "on the day of the examination, you should arrive 30 minutes before your appointment." That half hour covers check-in and identity verification, and it is not optional padding - "if you arrive late, you may not be admitted to the examination test center and you will forfeit your examination registration fee."

Bring one form of identification. Nebraska requires one, not two - "to gain admission to the Test Center, you must present (1) form of identification" - which sounds easier than the two-document rule most states use and is in practice less forgiving, because there is no second document to fall back on. It must carry a photograph and a signature and be valid and unexpired.

The accepted list is exactly 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. Nothing else is on the list - no student card, no credit card, no employer badge, and no digital version of any of them.

Prohibited items, and the rule is spatial as well as categorical. Reference materials of any kind; cellular phones; cameras; computers of any type including laptops, tablets and iPads; earbuds, headsets and music players; electronic games, electronic watches and smart watches; handheld calculators; pagers, radios, recording devices and televisions; hats, baseball caps and visors not worn for religious reasons; bulky or loose clothing and coats, expressly including open sweaters, cardigans, shawls, scarves, vests and jackets; backpacks, briefcases, purses and wallets; notebooks, paper or other materials on which to write, pens and pencils; reading material; chewing gum, food and drinks; smoking or chewing products; and good luck items.

The bulletin's storage instruction closes the gap: "no prohibited items are allowed within the candidate's reach or line of sight. If prohibited items are found during check-in, candidates shall put them in the provided secure storage or return these items to their vehicle." Line of sight is a stricter standard than possession - a phone visible on a neighbouring desk is a problem.

Breaks are permitted for one reason only. "Once candidates have been seated and the examination begins, they may leave the examination room only to use the restroom, and only after obtaining permission from the proctor." And the clock does not forgive it: "candidates will not receive extra time to complete the examination."

The tutorial is the one piece of free time you get. Before the examination begins there is a tutorial on using the computer, and "the time you spend on this tutorial, up to 15 minutes, DOES NOT count as part of your examination time." Use it. Minutes remaining are displayed at the top of the screen throughout the exam and update as you record answers.

And every Nebraska exam is now in person. Remote proctoring ended on 16 March 2026 - PSI's bulletin states that "effective 3/16/2026, remote proctored examinations will no longer be available," and the Department issued matching guidance the same day. The Property guide covers test centres and booking, including the option of sitting the Nebraska examination at any PSI location in any state.

Nebraska's Two Temporary Licenses

Nebraska issues two different temporary credentials, and they are routinely conflated. One is statutory and runs up to 180 days; the other is a Department programme and runs 120 days. They exist for opposite reasons - one to keep an existing book alive, one to let a newcomer start - and mixing them up produces the wrong answer about duration, eligibility and renewability.

The statutory temporary licence: 44-4058, up to 180 days, no examination. The director may issue it "for a period not to exceed one hundred eighty days without requiring an examination" where it is "necessary for the servicing of an insurance business." The point is continuity of a book of business, not entry to the profession.

Four grounds, at 44-4058(1)(a) to (d). To the surviving spouse or court-appointed personal representative of a licensed producer who dies or becomes mentally or physically disabled - and the statute spells out the purposes: to allow adequate time for the sale of the business, for the producer's recovery or return, or to train and license new personnel. To a member or employee of a business entity licensed as a producer, on the death or disability of an individual designated in the entity's application or licence. To the designee of a producer entering active service in the armed forces. And in any other circumstance where the director deems the public interest will best be served.

The director keeps a firm grip on it. Under 44-4058(2) the director may "by order limit the authority of any temporary licensee in any way deemed necessary to protect insureds and the public," and may require the licensee to have "a suitable sponsor who is a licensed producer or insurer and who assumes responsibility for all acts of the temporary licensee." The licence may be revoked if the interests of insureds or the public are endangered, or on the ordinary disciplinary grounds at 44-4059.

And it has a natural end that is not a date. The last sentence of 44-4058(2): "a temporary license may not continue after the owner or the personal representative disposes of the business." Sell the book and the licence ends, whatever remains of the 180 days.

The Apprentice Insurance Producer Licence is a different animal. It runs 120 days from issuance, costs $50, and - the detail that matters most - may only be obtained once. There is no renewal. It is governed by the Department's guidance document IGD-D7 rather than by 44-4058, and it appears on the Department's fee schedule under individual licences.

Sponsorship is its central condition, and losing it has a hard deadline. The apprentice must be sponsored by an active Nebraska resident producer who gives written acknowledgment. If the sponsorship ends, "the Apprentice Insurance Producer has 10 days to obtain new sponsorship and notify NDOI, but may not sell, solicit, or negotiate insurance in that interim period." So the ten days are for finding a sponsor, not for continuing to work.

Which one applies to you is usually obvious from why you are asking. If a licensed producer has died, become disabled or deployed and someone needs to service the book, that is 44-4058 and up to 180 days. If you are new, unlicensed and want to begin under supervision while you prepare, that is the apprentice licence, 120 days, once in your life.

Nebraska Life and Health License Fees

$47 for the combined paper and $50 for the licence - $97 in total for both lines of authority. The alternative is $86 in examination fees plus the same $50, so the combined route saves $39.

Nebraska charges per licence, not per line: the fee schedule carries a single producer licence line with no per-line multiplier, so adding a second line of authority to the same application does not add a fee.

The temporary credentials have their own economics. The statutory temporary licence under 44-4058 carries no fee on the Department's schedule; the Apprentice Insurance Producer Licence costs $50 and can be obtained only once.

Two fees a producer meets later rather than at application: resident reinstatement is $90, and the insurer - not you - pays the appointment fee, listed as $8 (minimum) and set retaliatorily by the producer's domicile state, and $3 to terminate one.

Nebraska Life and Health License Eligibility

44-4053 carries the whole test - eighteen or older, no act that is a ground for discipline under 44-4059, fees paid, examinations passed for the lines applied for. No education and no fingerprints. Residence in Nebraska is required of a resident applicant, but no waiting period attaches to it. The Life guide sets out the fourteen disciplinary grounds and the Health guide covers the self-disclosure regime.

Holding both lines brings two training gates rather than one, and they behave differently. The annuity gate at 44-8108(2)(a)(i) is a one-time four-credit course triggered by selling annuities. The long-term care gate at 44-4521(1) is eight hours initially plus four every twenty-four months, and it is written as a bar on the activity with a licensure predicate - the Department ties it to being authorised for health or sickness and accident insurance. One is one-time and conduct-triggered; the other recurs forever and presupposes this licence.

And the enforcement differs too, which matters practically. The annuity training is a Department requirement you satisfy and report through the ordinary CE machinery. The long-term care training is verified by 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, solicit or negotiate long-term care insurance.

One further condition attaches to annuity sales rather than to the licence. Nebraska's best-interest standard at 44-8106(1) requires the producer to "act in the best interest of the consumer under the circumstances known at the time the recommendation is made, without placing the producer's or the insurer's financial interest ahead of the consumer's interest." Then 44-8102(2) does something unusual: it declines to create a private cause of action for violating the Act, and expressly declines to subject the producer "to civil liability under the best interest standard of care ... or under standards governing the conduct of a fiduciary or fiduciary relationship." The duty is real and the enforcement is the Department's.

Business entities apply separately and expire on a different cycle - 30 April of even-numbered years rather than a birth month.

Nebraska Life and Health Continuing Education

44-3904 builds the requirement in two subsections, and the ceiling in it does not do what it looks like it does. (1)(a)(i) requires twenty-one hours of approved continuing education in each two-year period. (2) then requires three hours on insurance industry ethics - and the words are "in addition to such activities." Twenty-one plus three is the twenty-four the Department publishes.

The "twenty-four cumulative hours" clause is not the ceiling on that twenty-four. It sits in (1)(c), which requires evidence of the hours "for each line of insurance in which he or she is licensed," then caps what any licensee can be made to complete at "more than twenty-four cumulative hours required under this subsection." It caps the subsection-(1) hours a multi-line licensee accumulates; the three ethics hours sit outside it by their own terms.

The hours attach to the person, not to the licence's contents. Holding both Life and Accident and Health does not double anything, and neither does adding Property later.

Now the exemption everyone gets wrong. It is common to read that a Nebraska producer's first renewal is continuing-education-free. That is conditional, and the condition excludes most new producers. 44-3903(6) exempts "licensees in their first license period if that first license expires less than one year after the date of licensing." Whether you qualify is an accident of arithmetic rather than a choice.

Here is why, and it is worth understanding rather than memorising. A Nebraska licence expires on the last day of your birth month "in the first year after issuance in which your age is divisible by two" - and the bulletin adds that the first renewal "is not pro-rated based on the issue date of the license." So the first term is a stub whose length depends on when you were licensed relative to your own birthday and the parity of your age. It can run a few weeks or nearly two years. 44-3902(6) confirms the mechanism, defining the two-year period at (a) as running from the date of licensing to the expiration of the first licence - with no minimum length attached to it - and at (b) as each succeeding twenty-four-month period, "regardless of the time period such license is in effect." If your stub runs eleven months, you owe nothing. If it runs twenty months, you owe the full twenty-four hours.

Six exceptions exist in total, and the other five are: licensees for whom no examination is required; those selling only credit life and credit accident and health insurance; travel insurance; self-service storage facility insurance; and holders of such limited or restricted licences as the director may exempt. There is no exemption for length of service and none for age.

And there is no carry-forward. Surplus hours do not bank, a course may not be repeated for credit within the same period, and Nebraska publishes no extension mechanism. The Casualty guide covers provider reporting and the ten-day upload window; the Property and Casualty guide covers what happens when a licence lapses.

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