Nebraska P&C Insurance Exam 2026

Property and Casualty Authority in Nebraska

Nebraska examines Property and Casualty together as series 13-04 - 150 scored questions in two and a half hours for $47 - and separately as 13-22 and 13-23, 100 questions each at $43. A third option, Personal Lines 13-21, is a narrower noncommercial authority rather than a cheaper route to the same one.

The combined paper is the better value on every axis except pace, and the licence fee does not claw the saving back: Nebraska charges $50 per licence, not per line of authority, so one application covers however many lines you qualify for. Two single papers cost $86 and four hours for 200 scored questions; the combined paper costs $47 and 150 minutes for 150. The trade is about 58 seconds an item against 69, and one failure costing both lines.

This guide owns reciprocity and renewal - moving a licence in or out of Nebraska, and keeping one alive on a cycle that is genuinely unusual.

The Three Routes, Side by Side

The combined paper runs about 58 seconds an item counting all items; each single-line paper runs about 69.

Passing is 70% and Nebraska does not scale it - the bulletin prints "150 Items (70%) or 105 correct" and "100 Items (70%) or 70 correct."

Splitting the papers means two independent twelve-month clocks. A pass supports an application for one year and the examination fee is separately valid for one year from payment, so a long gap between the two papers can expire the first result before you apply.

The bulletin publishes the scored count and the cut score; the time limit is in the content outline for series 13-04, which also prints the unscored-item count. The Property guide covers booking and test centres; the Life guide covers PSI's three different unscored-item figures.

Most Tested Topics Across Both Nebraska P&C Lines

This is the material a P&C producer is examined on beyond coverage: what happens when a carrier fails, who regulates you and how they were appointed, what it costs to get things wrong, and which conduct rules reach a producer rather than only an insurer.

The single-act row is the one that most reliably reverses a candidate's national training. The NAIC model, and most states, make a "general business practice" the threshold for an unfair claims settlement practices violation - one mistake is not enough. Nebraska uses a two-limb test in both of its acts, and the limbs are alternatives. 44-1524 and 44-1539 both provide that an act violates the act if it "(1) is committed flagrantly and in conscious disregard" of the act or its rules "or (2)" committed - 44-1524 writes "is committed," 44-1539 "has been committed" - "with such frequency as to indicate a general business practice." A single flagrant act, committed in conscious disregard, is a violation on its own.

And the actor question has a trap built into the drafting. The Unfair Insurance Trade Practices Act names its targets on the face of the operative section - "any insurer, health insurance lead generator, or person engaged in the business of insurance." The Unfair Insurance Claims Settlement Practices Act does not: 44-1539 says only "insurer." Read it alone and you would conclude producers are outside it. Then read 44-1538(1)(c), which defines "insurer" for that act to mean any person or legal entity engaged in the business of insurance, "including agents, brokers, insurance consultants, adjusters, and third-party administrators." The definition does the work the operative section does not.

The penalty row rewards knowing which statute you are in. A producer faces an administrative fine of "not more than one thousand dollars per violation" under 44-4059(5) - low by national standards. An insurer or person under either unfair practices act faces $1,000 per violation to a $30,000 aggregate, rising to $15,000 per violation and a $150,000 aggregate where the conduct was flagrant and in conscious disregard. Violating a cease and desist order is $30,000 per violation to a $150,000 aggregate. And a licensee who simply fails to report a change of legal name or address within thirty days faces a fine of up to $500 under 44-4054. Four different exposures in four different sections.

One guaranty-fund point is a genuine Nebraska divergence rather than a numbering quirk. The NAIC property and casualty model carries a high-net-worth insured exclusion and a small-claim floor. Nebraska's act has neither. What 44-2403(4)(c) does exclude is a longer list than most summaries give - subrogation and assignment recoveries owed to a reinsurer, insurer, liquidator, pool, government program or underwriting association; a self-insured portion; a premium calculated on a retrospective basis; a premium subject to adjustment after liquidation; attorney and adjuster fees for services to the insolvent insurer; punitive or exemplary damages; incurred-but-not-reported damages; and any claim filed after the earlier of twenty-five months from the liquidation order or the court's claims bar date. What it does NOT contain is a net-worth threshold, and 44-2406(1) contains no minimum-claim deductible. Workers' compensation claims are also outside the $300,000 cap entirely, paid at "the amount required by law."

And the P&C act has its own advertising prohibition, drafted more bluntly than the life and health one. 44-2416 provides that "advertisements by member insurers which include a reference to the coverage of the insurance guaranty association are specifically prohibited." One sentence, no exceptions, and it binds the member insurer rather than every person - which is where it differs from 44-2719.01 on the life and health side.

Nonresident Licensing and Relocation in Nebraska

Moving to Nebraska: ninety days, and no examination for anything you already held. 44-4056 provides that a producer licensed in another state who moves here must "make application within ninety days of establishing legal residence," and that "no examination shall be required of that person to obtain any line of authority previously held in the prior state except if the director determines otherwise by rule and regulation." Read to the full stop: the relief is the rule, but the Director holds a reserved power over it. The same section covers an applicant previously licensed for the same lines in another state who applies "within ninety days of the cancellation of the applicant's previous license," in good standing.

The Department's FAQ supplies the sequencing the statute omits, and the order matters. Question 3 of its producer licensing FAQ: "You should first change the status of your previous resident license. After you have notification that the change has been completed, contact the Nebraska Department of Insurance Licensing Division. State change requests must be submitted within ninety (90) days of their occurrence." Clear the old home state first. A producer who applies to Nebraska while still showing as resident elsewhere is asking two states to treat them as resident at once.

Coming the other way, as a nonresident, the fee changed recently and the change is easy to miss. Until the fee schedule revised 17 July 2026, Nebraska charged nonresident producers a flat $50 for the licence and the same for renewal. The current schedule prices both as retaliatory, and nonresident reinstatement as a retaliatory fee plus a $125 late fee. The Department publishes a separate nonresident retaliatory fee document alongside the schedule.

The statutory basis has been there all along, and its wording reaches further than money. 44-4064(1)(a) provides that if "any other state imposes additional or greater fees, obligations, or prohibitions on Nebraska resident insurance producers, then such additional or greater fees, obligations, or prohibitions shall be imposed" on producers of that state applying here. Retaliation in Nebraska is not limited to matching a price - it reaches obligations and prohibitions too.

Nebraska grants no designation-based examination waiver, and the reason is structural rather than an omission. 44-4052(1) requires a written examination "unless exempt pursuant to section 44-4056 or 44-4069 or subsection (4) of section 44-9304" - a closed cross-reference to three things: prior-state licensure and relocation, the self-service storage facility limited licensee, and limited lines travel insurance. CLU, CPCU, ChFC, CIC, FLMI and LUTCF appear in none of them, and 44-4053 adds no exemption.

The bulletin has no exemptions section at all, which is itself worth knowing. Its headings run from Examinations by PSI to Request for Changes with nothing about waivers or exemptions anywhere between them. The only exam relief it prints is inside the exam table: four lines marked "no exam required" - Prepaid Legal, Credit, Variable Life and Variable Annuity, and Surplus Lines Licensee. So the bulletin grants nothing the statute does not, and the statute grants one thing the bulletin never mentions: the self-service storage exemption at 44-4069.

And there is no coursework-exemption list, because there is no coursework. In states requiring pre-licensing education, the coursework exemptions and the examination waivers are two different lists doing two different jobs, and they are frequently disjoint. Nebraska requires no pre-licensing education at all, so the coursework-exemption list is empty by construction rather than by policy. Do not let a national comparison chart turn the three examination exemptions into a coursework list.

Leaving Nebraska is handled at the other end: a resident licence rests on residency, and the Department's change-of-status process runs the same way in reverse. Note also that a change of legal name or address must be reported within thirty days under 44-4054, on pain of a fine up to $500, suspension, or both - and relocating is a change of address before it is anything else.

How a Nebraska Producer License Stays Alive

Nebraska's expiry rule is unlike any other state's, and it is worth reading slowly. Under 44-4054, an individual licence expires "on the last day of the month of the producer's birthday in the first year after issuance in which his or her age is divisible by two."

Work that through and two consequences fall out. First, producers born in even-numbered years renew in even-numbered years, and those born in odd-numbered years renew in odd ones - because your age is even in one parity of year and odd in the other. Second, your first term is a stub of unpredictable length, anywhere from a few weeks to nearly two years, depending on when you were licensed relative to your own birthday and to the parity of your age. The bulletin says so in terms: "the first renewal of any license will be based on the above information and is not pro-rated based on the issue date of the license."

That first stub is what makes the continuing-education exemption conditional. 44-3903(6) exempts licensees in their first licence period "if that first license expires less than one year after the date of licensing." A short stub means no CE at first renewal. A long stub means the full twenty-four hours. It is arithmetic, not a choice, and it is the single most commonly overstated fact about Nebraska licensing.

Business entities are on a fixed cycle instead - a business entity licence expires 30 April of even-numbered years, which is a date rather than a calculation.

The renewal window is ninety days, and the practical deadline is earlier than that. Renewal opens ninety days before expiration and a late renewal is accepted for thirty days after it, at a $40 late fee - not the $125 statutory ceiling below. But the Department's rule keys off the upload, not the class: renewal eligibility "begins 24 hours after all CE has been uploaded into our database by the CE Provider," and the provider has ten days to do that. So credits finished in the last fortnight of the window may not be recorded in time to renew inside it.

If it lapses, twelve months is the number that matters. Under 44-4054 a lapsed individual licence is reinstatable within twelve months "without the necessity of passing a written examination," and the bulletin adds that a licensee inactive under twelve months "must satisfy the education requirements outstanding." The resident reinstatement fee is $90. Past twelve months the re-examination relief is gone.

The statutory ceilings sit above the actual fees, which is worth knowing because the Director sets the amounts within them: 44-4064(1)(d) caps a late renewal fee at $125 and (1)(e) caps reinstatement at $175, while the Department actually charges $40 to late renew and $90 for resident reinstatement. (1)(a) caps the producer licence itself at $100 against the $50 actually charged.

Appointments run on a different clock and are not your responsibility. 44-4061(2) requires the appointing insurer to file the notice "within fifteen days from the date the agency contract is executed or the first insurance application is submitted" - the earlier of the two events, so submitting business can start the clock before any contract is signed. The insurer pays the appointment fee, listed as $8 (minimum) because it is retaliatory on the producer's domicile state, and $3 to terminate it. 44-4062 gives the insurer thirty days after an effective termination to notify the Director. And 44-4061(1) is worth holding: a producer "who is not acting as an agent of an insurer is not required to become appointed" at all.

One non-renewal obligation catches people between cycles. A change of legal name or address must be reported to the Director within thirty days, and 44-4054 backs it with a fine of up to $500, suspension, or both. Moving house is a filing.

Nebraska Property and Casualty License Fees

$47 for the combined paper and $50 for the licence, against $86 in examination fees for the two single papers. Nebraska charges per licence rather than per line, so the second line of authority costs nothing extra at application.

The fees you meet later: resident reinstatement $90; late renewal within thirty days of expiry at $40; and appointment fees - $8 (minimum), retaliatory by domicile state, and $3 to terminate - that fall on the insurer rather than on you.

For nonresidents the answer is no longer a number. Since 17 July 2026 the nonresident licence and its renewal are priced retaliatorily, and nonresident reinstatement is a retaliatory fee plus a $125 late fee.

Nebraska Property and Casualty License Eligibility

The four findings at 44-4053 govern - eighteen or older, no act that is a ground for discipline under 44-4059, fees paid, examinations passed. The Life guide covers the fourteen grounds; the Health guide covers Nebraska's self-disclosure regime.

What a P&C producer is most likely to be examined on is conduct rather than entry, and Nebraska's rebating section is where the modern law sits. 44-361(1) carries the prohibition, and it is broader than a premium discount: no rebate of premium or commission, no "paid employment or contract for service, or for advice of any kind," and no "any other valuable consideration or inducement to, or for insurance" that is "not specified in the policy contract of insurance." A second sentence reaches "other things of value whatsoever, as inducement to insurance." And its third sentence binds the consumer: "no insured person or party shall receive or accept, directly or indirectly, any rebate."

Then read the exception, because Nebraska adopted the modern NAIC reform and most study material has not caught up. 44-361(4) permits value-added products and services where the offering relates to the insurance coverage and is primarily designed to satisfy one of nine listed purposes: loss mitigation or control; reducing claim or settlement costs; educating about liability risks; monitoring or assessing risk; enhancing health; enhancing financial wellness; providing post-loss services; incentivising behavioural changes; and assisting in administering employee or retiree benefit coverage. The cost must be reasonable in comparison to that customer's premiums or coverage for the policy class, and availability must rest on documented objective criteria.

There is even a sandbox. 44-361(4)(f) lets an insurer or producer offer a product on a good-faith belief without sufficient evidence, as a pilot lasting no more than one year, on notice to the Department before launching - and the insurer "may proceed with the program unless the department objects within twenty-one days of such notice." Silence is permission.

And gifts have no statutory dollar limit in Nebraska. 44-361(5)(a) permits noncash gifts, items and services, including meals, and charitable donations on a customer's behalf, "as long as the cost does not exceed an amount determined to be reasonable by the Director of Insurance, per policy year per term," and provided nothing is conditioned on the purchase or renewal of a policy. Raffles and drawings are likewise permitted with no entry cost, no purchase obligation, prizes not exceeding a reasonable amount set by the Director, and open to the public. Do not teach a $25 figure - Nebraska delegates the amount rather than fixing it.

Commission-sharing is at 44-4060: no commission to an unlicensed person who is required to be licensed, and none accepted by one - with two carve-outs, for renewal or deferred commissions to someone properly licensed at the time of the sale, and for payments to an agency or to persons who do not sell, solicit or negotiate here, unless the payment would violate 44-361.

One thing Nebraska does not have: no premium trust-account statute for producers and no controlled-business limitation. The old agent-premium section, 44-362, was repealed in 1989. Nebraska's "controlled" provision, 44-5704, is a solvency rule about controlling producers and controlled insurers, not a percentage cap on a producer's own book.

Nebraska Property and Casualty Continuing Education

44-3904 sets it: twenty-one general hours at (1)(a)(i) plus three ethics hours at (2), which are "in addition" by the statute's own words, per twenty-four-month period. The "twenty-four cumulative hours" clause at (1)(c) caps subsection-(1) hours across lines rather than capping the twenty-four. The Life and Health guide covers the conditional first-period exemption and the rule-versus-statute conflict; the Casualty guide covers approval and reporting; the Property guide covers the flood gate.

What belongs here is how the CE cycle interacts with the renewal cycle, because in Nebraska those are two different things that most states fuse. Your CE period is a twenty-four-month period defined at 44-3902(6) as running from the date of licensing to the expiration of your first licence, and then each succeeding twenty-four-month period, "regardless of the time period such license is in effect." Your licence, meanwhile, expires on a birth-month date keyed to the parity of your age. Those two things line up after the first cycle and not before it.

The practical consequence is that a first-cycle producer cannot reason from the calendar. The CE period and the licence term both begin at licensing, but the first licence term is a stub of unpredictable length that is expressly not pro-rated. If that stub runs under twelve months you owe no CE at first renewal; if it runs longer you owe all twenty-four hours in a period that may be considerably shorter than twenty-four months.

There is no carry-forward and no extension. Surplus hours do not bank into the next period, a course may not be repeated for credit within the same period, and Nebraska publishes no good-cause extension mechanism of the kind several neighbouring states provide. The only relief is the reinstatement route: within twelve months of lapse, a licence comes back without re-examination, on satisfying the outstanding education, for a $90 resident fee.

And one avenue for hours that P&C producers under-use: guidance document IGD-F5 allows up to six credits for active participation in an approved professional insurance association. Three limits - the credits may not be applied to the ethics requirement, a producer may claim from only one association, and social events do not count.

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