How to Get an Insurance License in Nebraska

If you’re thinking about becoming an insurance agent in Nebraska, the first step you’ll need to take in order to kickstart your career is to obtain a Nebraska insurance license.

In this guide, we’ll walk you through the step-by-step process of how to become an insurance agent in Nebraska, as well as what to do once you get licensed.

Nebraska Insurance License

In order to get your Nebraska insurance license, you’ll need to complete the following four steps:

1. Figure Out Which Insurance License You’ll Need
2. Complete a Pre-Licensing Education Course
3. Pass the Relevant Nebraska Insurance License Exam(s)
4. Submit Your Insurance License Application

Below we have explored each step in more detail.

Step 1: Decide Which Insurance Licenses You Need

The first step will be deciding what type of insurance policies you’ll want to sell — at least at the start of your career.

This is because the type of insurance policies you’re hoping to sell will dictate the type of license you’ll need. For example, you’d need a Property & Casualty (P&C) license to be able to sell auto, home, or business insurance.

Here’s a list of all the different types of insurance agent licenses that are available in the state of Nebraska:

• Property
• Casualty
• Property and Casualty
• Personal Lines
• Life and Annuities
• Sickness, Accident and Health
• Life and Annuities, Accident and Health or Sickness
• Title
• Crop/Hail

While there are a large number of different licenses to choose from, the vast majority of insurance agents will either obtain a Property and Casualty (P&C) or a Life and Health insurance license.

In fact, many agents actually opt to go for both of these licenses as it allows them to offer clients a much wider range of the most common insurance products.

However, if you already know you want to specialize in one particular type of policy, you’ll of course only have to focus on the specific license that’s relevant to this insurance type.

It’s worth noting at this point that if you’re looking to work as an insurance adjuster, you’ll likely want to obtain a separate DHS license — which you can find more information about in our Nebraska Adjuster License overview.

Step 2: Complete a Nebraska Pre-Licensing Education Course

The next step you’ll want to take toward becoming a licensed insurance agent in Nebraska is completing a pre-licensing education course.

While Nebraska law does not require candidates to complete pre-licensing education, we highly recommend that you do so.

This is because completing a pre-licensing course is one of the best ways to prepare for the actual state licensing exam and significantly increases your chances of passing on your first attempt.

Due to the sheer number of pre-licensing education courses available, it’s normal to feel a little overwhelmed when deciding which one is right for you. To avoid this, we typically recommend making a decision based on the following factors:

• The course’s flexibility (e.g., does it allow flexible learning, does it require completing within a short time-window, etc.)
• The course’s price: This one is obvious; our only tip here is to not go too low, as from our experience you tend to get what you pay for when it comes to these
• The course’s reputation: How reliable is each provider? The last thing you want is insufficient and/or incomplete resources before your exam

If you want more information before getting started, you can also have a look at our in-depth overview of the five best pre-license education courses in 2024.

Step 3: Pass the Relevant Nebraska Insurance License Exam(s)

After completing your pre-licensing education course, you will need to take (and pass) the relevant Nebraska insurance license exam.

We say “relevant” because this will depend on the line you wish to specialize in; for example, if you’re planning to become a property and casualty insurance agent, you will need to pass the Property and Casualty producer exam — which consists of 150 scored questions.

All insurance producer examinations in Nebraska are administered by PSI and require a score of 70% or higher in order to pass. You will need to pay a registration fee, which will be either $43 or $47 depending on the line of authority that you are pursuing.

Keep in mind that you can sit for more than one exam at a time (e.g., if you want to apply for both a P&C and a life and health insurance license).

Even so, we recommend avoiding this route; this is because passing your exam is hard enough as is, and there is arguably little to gain and a lot to lose with the added risk of confusing separate line material.

Note: In accordance with Nebraska state law, you will be allowed to retake an insurance examination as many times as necessary — there is no limit.

For more information, you can have a look at our Nebraska Insurance License Exam guide.

Step 4: Submit Your Insurance License Application

You will need to allow a minimum of two to three days after passing your exam(s) before submitting your insurance licensing application.

This is necessary in order to ensure that your results have been successfully transmitted to the Nebraska Department of Insurance.

Once your results are confirmed, you will need to visit the National Insurance Producer Registry (NIPR) website, submit your application, and pay the required $50 processing fee (plus a small transaction charge).

Note: Any misdemeanors or felonies may affect the outcome of your licensing efforts. If you’re worried about this, you can contact the Nebraska Department of Insurance by phone or email for more guidance on this topic.

Step 5: Application Review

And that’s it! After satisfying all the other requirements and submitting a license application to the Nebraska Department of Insurance, all that’s left to do is wait.

If everything on your application has been filled out correctly, you should be able to download or print a copy of your new license within three to five business days — which is the amount of time it typically takes for a license application to be reviewed.

It’s important to be aware that the issuance of your insurance license can take a bit longer than this if there are any items from your background check that need to be looked over. However, the state will likely get in touch with you to give some context if they run into any issues.

In any case, the state will send you an email regarding the status of your license once this review has been completed, so keep an eye out for that!

After Getting Your Nebraska Insurance License

Once you have successfully passed your exams and your application for licensing is approved, you will become a licensed insurance producer in Nebraska.

At this point, there are four main steps that we recommend new insurance producers to take:

1. Obtain Any Relevant Securities Licenses: If you’re planning on selling advanced life insurance products, you’ll need to pass the Securities Industry Essentials (SIE) exam and obtain the relevant securities licenses (e.g., Series 6, 7, and 63).
2. Choose a Means of Selling: You’ll have to decide whether you’d prefer working as a captive agent employed by one or more business entities, or running your own business as an independent agent.
3. Develop Your Marketing Approach: To succeed as an insurance agent, you’ll need to adopt a marketing approach that’s effective for you. Finding and sticking to a niche, as well organizing all client appointments for the start of your week, are two great ways to do this.
4. Keep Your License Valid: In Nebraska, you are required to complete 24 hours of continuing education every two years — including three hours on ethics training — in order to keep your license active.

It should be noted that continuing education credits may not be carried over to the next renewal period under any circumstances.

Nebraska Department of Insurance Contact Information

Physical Address:
1526 K Street, Suite 200
Lincoln Nebraska 68508

Mailing Address:
P.O. Box 95087
Lincoln, Nebraska 68509-5087

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