How to Get a Nebraska Insurance License

Written by: Ethan Peyton

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How to Get a Nebraska Insurance License

Getting your Nebraska insurance license is the first step to becoming an insurance agent in Nebraska. Whether you’re interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.

The Nebraska Department of Insurance has a 5-step process on how to become an insurance agent in Nebraska. We’ll walk you through step-by-step; from the license application to insurance test prep, to the Nebraska insurance exam, and beyond.

This guide has everything you need to know to get your NE insurance license quickly and easily.

Recommended: Interested in getting started? We recommend using Kaplan’s online study packages, which come with a 93% pass rate.

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How to Get Your Nebraska Insurance License

Getting your insurance license in Nebraska is easy! Just follow our step-by-step guide. Be sure to bookmark this page so that you can visit it again throughout this process.

Step 1. Which Insurance Licenses Do You Need?

The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license (P&C)life and health insurance license (L&H).

The types of insurance products and policies you’ll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:

Most insurance agents and producers choose to get both P&C and L&H licenses, but if you plan on specializing in only one category then you don’t need every license.

Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: Nebraska Insurance Adjuster License.

Note

If you plan on specializing as a life insurance agent, then you may also need to hold a certain FINRA securities license.

Step 2. Nebraska Insurance Pre-Exam Education

After you’ve determined which licenses you need, it’s time to begin studying for the Nebraska insurance exams.

Nebraska does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.

Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.

It’s wise to take a week or so to dedicate to your study of this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.

Recommended Course

Over 81% of our readers use Kaplan’s online courses — which come with a 93% pass rate — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:

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Step 3. Nebraska Insurance License Exam

The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line that you wish to carry. In Nebraska, Property and Casualty are in a combined test. Life & Annuities, Accident & Health or Sickness are also combined as one exam.

This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

The fee for each attempt of the exams is $49. When you show up you must have a photo ID and the original pre-license education certificate.

The Life & Annuities, Accident & Health or Sickness exam is one hundred fifty (150) questions long. You have two hours and thirty minutes (2:30) to complete the exam. Be sure to study the Nebraska Life & Annuities, Accident & Health or Sickness Insurance Exam Outline.

The Property and Casualty exam is also one hundred fifty (150) questions long. You have two hours and thirty minutes (2:30) to complete the exam. Be sure to study the Nebraska Property and Casualty Insurance Exam Outline.

The minimum score to pass these exams is 70% correct answers.

Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.

Looking for a guide to passing the insurance exam in Nebraska? Check out our Nebraska Insurance License Exam article.

Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

Tip

StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another. Check out our review of the Kaplan Insurance Course.

You may register to take your exams Prometric Nebraska Insurance website. You can find lots more information about the exams in the Nebraska Department of Insurance Licensing Information Handbook.

Step 4. Nebraska Insurance License Application

After passing your exams, the next step is to apply for your license. If you have more than one line of authority that you would like to carry, be sure to apply for all of those lines.

The fee for an online application is $50.

Fill out your online application on the NIPR Nebraska page.

Step 5. Application Review

Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

If everything is to acceptable standards your license should be issued quickly. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

Within two to three (2-3) days after submitting your application, check on the State Based Systems Nebraska License Lookup Tool to see if your license has been issued.

Congratulations!

You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.

After Getting Your Nebraska Insurance License

Once you’ve passed your exams and completed the licensing application, you are now a licensed insurance agent in Nebraska. A common question we hear is, “I have my insurance license, now what?” Here are a few things you can do or need to know:

  • Get a job in the insurance field. Check out StateRequirement’s Insurance Jobs board
  • If you’re going to sell advanced life insurance products, you’ll need to have the proper securities licenses. Series 6, Series 7, and Series 63 are the most common among insurance agents, but you’ll need to begin with the SIE (Securities Industry Essentials) exam. Find out which licenses you need with our Securities Licensing Guide
  • Every two years, you’ll need to renew your insurance license. Check out our guides on Nebraska Insurance License Renewal and Nebraska Insurance Continuing Education for more details
  • Learn how to market yourself as an insurance agent: Have a look at our Insurance Agent Marketing article
  • Interested in learning how successful life insurance agents operate? Check out our How Do Life Insurance Companies Make Money article

Nebraska Department of Insurance Contact Information

Physical Address:
Nebraska Department of Insurance
1526 K Street, Suite
200, Lincoln, NE 68508-2734

Mailing Address:
P.O. Box 82089
Lincoln, Nebraska 68501-2089

Phone: (402) 471-4913

Fax: (402) 471-6559

Email: doi.licensing@nebraska.gov

Website: https://doi.nebraska.gov/

License Search: Nebraska Insurance License Search and Lookup

Nebraska Insurance License FAQ

How long is the insurance license period in Nebraska?

In Nebraska, the renewal period for an insurance producer license is every two years. You are required to complete 24 hours of continuing education (CE) within this period. This includes three hours of ethics education. Learn about the renewal licensing process here: Nebraska Insurance License Renewal.

How long does it take to get an insurance license in Nebraska?

2-8 weeks. The bulk of the time is spent studying for your Nebraska insurance exam. Some people study for as little as one week and feel comfortable taking the exam. We recommend you take whatever amount of time you need to feel comfortable with the material. Check out our guide: How to Pass the Insurance Exam.

How much does the Nebraska insurance license cost?

The total cost for your application and exam fee will be about $99. You need to consider the cost of your insurance course as well. Course providers offer these courses with practice exams that include the insurance concepts you need to know. Each subsequent attempt costs an additional $49 if you did not pass the initial exam.

How do I get a life insurance license in Nebraska?

To obtain a life insurance license in Nebraska, you may take a pre-exam education course and take the actual state licensing exam. After passing the exam, you must file and pay for your license application through the National Insurance Producer Registry (NIPR). Once you have your license, you will be granted a National Producer Number (NPN) to signify your official licensure.

How do I get a property and casualty license in Nebraska?

To get a property and casualty license in Nebraska, you must complete the pre-licensing education, then pass the state exam. You must also submit your application and pay the relevant fees. Upon successful completion, you’ll receive an NPN authorizing you to practice as a licensed P&C insurance agent in the state.

Do I need business insurance in Nebraska?

If you are conducting business in Nebraska, it’s recommended to secure Nebraska business insurance. This type of insurance ensures the protection of business entities against unexpected financial losses and ensures business continuity. Various types of business insurance cater to diverse needs, bolstering your company’s resilience against potential risks and uncertainties.

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