How to Get Your Nebraska Insurance License in 2026
Nebraska is one of the easiest states to get licensed — no mandatory pre-licensing education, no fingerprinting. Compare 5 exam prep courses, see PSI exam details, and get your NE insurance license fast.
Exam Prep Cost
$0 – $350
Time to License
1 – 3 weeks
Avg NE Salary
$58,000/yr
Required Hours
0 hrs required
Nebraska Has No Mandatory Pre-Licensing Education
Unlike most states, Nebraska does not require any pre-licensing hours for an insurance license. You can study on your own schedule and go straight to the PSI exam. Also unique: no fingerprinting required. Prep courses are strongly recommended but completely optional.
Top 3 Nebraska Insurance Exam Prep Courses
1. WebCEBest Value
Lowest price for NE exam prep at $109.95. Covers Life, Annuities & Health tracks — Nebraska includes Annuities in the Life line, which WebCE specifically addresses.
From $109.95
exam prep only
2. ExamFXPass Guarantee
Three tiers (Self-Study, Video, Live Online) with a pass guarantee: refund if you score 80%+ on the Readiness Exam and fail within 3 days. 60-day access.
From $169.95
3. Kaplan Financial Education
Most comprehensive NE course library. Four tiers ($139–$349) with on-demand video in higher tiers. Career Launcher tier includes the Insurance Accelerator business-skills course.
From $139
Best Nebraska Insurance Exam Prep Courses
All 5 schools are Nebraska NDOI-approved. Price: Low to High.
Quick Price Comparison (Course Only)
Xcel Solutions
Starting at
$89
- Budget-friendly: NE Cram Course from $89
- Individual study tools available (add-on flashcards, video)
- Livestream exam reviews with live instructor
- Exam Prep Only — no NE pre-licensing requirement
Available Packages (3)
NE Cram Course — Life and Health
- Bundled NE Life & Health cram course
- Core exam content coverage
- NE state-specific study tools
- Online self-study format
WebCE
Best ValueStarting at
$109.95
- Lowest price: NE exam prep from $109.95
- Life, Annuities & Health tracks — NE includes Annuities in Life line
- Exam Prep Only — does not satisfy any state requirement
- No completion certificate or reporting required in Nebraska
Available Packages (4)
NE Life, Annuities, A&H — Exam Prep Complete Package
- NE Life, Annuities & Health exam prep
- Practice exams included
- NE state-specific content
- Covers all PSI exam topics
Kaplan Financial Education
Starting at
$139
- Most comprehensive NE insurance course library
- Four tiers from $139 to $349
- Career Launcher includes business-skills Insurance Accelerator course
- Study on your own schedule — Exam Prep Only
Available Packages (4)
Basic ($139)
- Self-study online or print
- Core exam content coverage
- Practice questions included
- PSI exam-focused materials
ExamFX
Starting at
$169.95
- Pass guarantee: refund if you score 80%+ on Readiness Exam and fail within 3 days
- Three tiers: Self-Study, Video, and Live Online
- Interactive Learning Portal with online flashcards
- Exam Prep Only — no NE pre-licensing requirement
Available Packages (3)
Self-Study Package
- Interactive Learning Portal
- Online Exam Simulations
- Readiness Exam
- Online Flashcards & instructor support
A.D. Banker
Pass GuaranteeStarting at
$169.95
- Exam Prep Only — no NE pre-licensing requirement
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- NE Life & Health, Life, or Health tracks available
Available Packages (3)
Silver — Online Course
- Full online course + activities
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee + printable PDF study manual
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is a Nebraska Insurance License?
A Nebraska insurance license is a state-issued credential required by the Nebraska Department of Insurance (NDOI) to legally sell insurance products in Nebraska. Unlike most states, Nebraska does not require pre-licensing education and does not require fingerprinting — making it one of the most streamlined licensing processes in the country. Candidates study on their own and register directly with PSI Services LLC to take the licensing exam.
Nebraska offers several license types. The most common are the Life, Accident & Health (L&H) license — which requires two separate exams — and the Property & Casualty (P&C) license. Note that Nebraska includes Annuities in the Life line of authority, unlike most states. Personal Lines, Title, and Crop/Hail licenses are also available.
Life & Annuities
$43–$47 exam fee
Life insurance, annuities & death benefit products
Accident, Health & Sickness
$43–$47 exam fee
Health, disability & long-term care products
Property & Casualty
$43–$47 exam fee
Auto, home, commercial & liability insurance
How Much Do Nebraska Insurance Agents Earn?
NE Average Income
$54,000–$65,000/yr
Source: ZipRecruiter & Indeed, 2024–2025
Top Producers
$85,000–$120,000+/yr
Life insurance & commercial lines (commissions + bonuses)
Commission Structure
Life & Annuities
- • First-year commission: 40–100% of annual premium
- • Renewal commission: 2–10% per year
- Example: $1,000/yr policy at 70% = $700 earned
Property & Casualty
- • New policy commission: 10–20% of premium
- • Renewal commission: 8–12% of premium
- Example: $2,000/yr auto at 12% = $240/policy
Salary Range by Career Stage
Entry Level
$38,000–$45,000
First 1–2 years
NE Average
$54,000–$65,000
Statewide average
Top Producers
$85,000–$120,000+
Life & commercial lines
Top NE Insurance Markets
Is a Nebraska Insurance License Worth It?
👍 Pros
- + No Pre-Licensing Required: One of a handful of states where you skip straight to the exam — saving 20–40 hours of coursework.
- + No Fingerprinting: No fingerprint appointment, no separate fee, no waiting — a streamlined process most states don't offer.
- + Fast Turnaround: With no mandatory hours, candidates can go from studying to licensed in as little as 1–2 weeks if prepared.
- + Full Reciprocity: Nebraska has reciprocity with all 50 states and DC — making non-resident licensing straightforward for agents expanding their market.
👎 Cons
- - Exams Are Challenging: No required prep means some candidates underestimate the difficulty. First-time pass rates are higher for candidates who use structured study programs.
- - Two Exams for L&H: Getting a full Life & Health license requires passing two separate PSI exams (Life and Health), each at $43–$47.
- - Commission-Dependent Income: Most agents earn primarily through commissions — income can be variable in the first year.
How to Get Your Nebraska Insurance License
Choose Your Line of Authority
Decide which types of insurance you want to sell. The two most common paths are Life, Accident & Health (L&H) — covering life insurance, annuities, health insurance, and disability — or Property & Casualty (P&C) — covering auto, home, and commercial insurance. Many agents pursue both. Nebraska also offers Personal Lines, Title, Crop/Hail, and Variable Life & Variable Annuity lines. Note: Nebraska includes Annuities in the Life line of authority.
Study for the PSI Exam (Optional but Strongly Recommended)
Nebraska does NOT require pre-licensing education hours — you can go straight to scheduling your PSI exam. However, the exams are challenging and most candidates benefit from a study prep course. Options include WebCE, ExamFX, Kaplan, A.D. Banker, and Xcel Solutions. Courses range from $89 to $350. The PSI candidate information bulletin (available at doi.nebraska.gov) includes the official exam content outline. Self-study typically takes 1–4 weeks.
Register and Pass the PSI Exam
Nebraska uses PSI Services LLC for all insurance licensing exams. Register at test-takers.psiexams.com/neins or call (833) 333-4754. The exam fee ($43–$47 per exam) must be paid when scheduling. Exams are available at Nebraska PSI centers in Omaha (3 locations), Lincoln (2 locations), Norfolk, Grand Island, North Platte, Sidney, and Scottsbluff — or via PSI remote online proctoring from home. Passing score is 70%. Score results are available immediately after completion. Allow 2–3 days for PSI to upload results to the Nebraska DOI system.
Apply for Your License via NIPR
After passing your exam and waiting 2–3 days for your scores to upload, apply for your license at NIPR.com. The state application fee is $50 (plus a small NIPR transaction fee). Nebraska does not require fingerprinting or a separate background check. Applications typically process in 3–5 business days. You can check application status and download or print your license from NIPR once approved.
Get Appointed by an Insurance Carrier
Before you can legally sell insurance in Nebraska, you must be appointed by an insurance carrier or agency. Your employer or contracting agency typically handles the appointment process through NIPR. Options include captive agents (working exclusively with one carrier like Mutual of Omaha, Farmers, or State Farm) or independent agents (representing multiple carriers). Mutual of Omaha and Berkshire Hathaway are major Nebraska-based insurers with large agent networks.
Maintain Your License with Continuing Education
Nebraska insurance licenses are valid for 2 years and expire on the last day of your birth month. To renew, most producers must complete 24 hours of continuing education (CE) including at least 3 hours of ethics. Title agents need 9 CE hours; Crop/Hail agents need 6 CE hours. CE must be completed before your renewal deadline. Renewal fee is $50 via NIPR. CE courses are available from approved providers including Kaplan, WebCE, and CE Express.
Nebraska Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- Must have a valid U.S. Social Security Number
- No college degree required
- No fingerprinting required
- Must disclose any criminal history on application
- Must not be under license denial, suspension, or revocation in any state
Pre-Licensing Education
- 0 hours required — Nebraska is a direct-exam state
- Exam prep courses strongly recommended
- No certificate of completion required or issued
- Self-study is free; structured prep courses from $89
Exam Requirements
- PSI Services LLC exam (in-person or remote online)
- L&H exam: ~150 questions, 2.5 hours
- P&C exam: 100 questions, 2 hours
- 70% passing score required
- Exam fee: $43–$47 per exam
- Schedule at test-takers.psiexams.com/neins
Application & Licensing
- Apply via NIPR.com within 1 year of exam date
- $50 state license application fee
- No fingerprinting fee
- NDOI processes in approximately 3–5 business days
- 24 CE hours every 2 years to renew (incl. 3 hrs ethics)
Nebraska Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your Nebraska insurance license in 2026:
| Cost Item | Amount | Required? |
|---|---|---|
| Exam Prep Course | $0–$350 | Optional |
| PSI Exam Fee (per exam) | $43–$47 | Required |
| Fingerprinting | $0 | Not Required |
| License Application (NIPR) | $50 | Required |
| Estimated Total | $93–$447 |
All state and government fees are non-refundable. Education costs vary by provider and package. Nebraska is one of the only states with no fingerprinting requirement.
The Nebraska Insurance Exam — What to Expect
Life & Health Exam
- Questions: ~150 questions
- Time limit: 2.5 hours
- Passing score: 70%
- Fee: $43–$47 per exam
- Note: Two separate exams for full L&H license
Property & Casualty Exam
- Questions: 100 questions
- Time limit: 2 hours
- Passing score: 70%
- Fee: $43–$47 per attempt
- Covers: Property, Casualty & Personal Lines
General Exam Topics
- Insurance definitions and concepts
- Types of policies and coverage
- Policy provisions and riders
- Underwriting principles
- Federal insurance laws and regulations
- Claims procedures
- Agent duties and ethical obligations
NE State-Specific Topics
- Nebraska Insurance Code
- NDOI rules and regulations
- Nebraska-specific policy requirements
- State consumer protection laws
- Replacement rules
- Nebraska market conduct requirements
💡 PSI Exam Tips for Nebraska
Bring two valid government-issued IDs to your in-person exam. Score results are provided immediately after completing the exam. PSI uploads results to the Nebraska DOI system within 2–3 business days — wait for this before applying. If you fail, you may retake with no mandatory waiting period (allow 24 hours), but you must pay the full exam fee again. Exam results are valid for 1 year — you must submit your license application within this window.
How Long Does It Take to Get a Nebraska Insurance License?
1 – 2 weeks
Fast Track
Already know the material well
2 – 3 weeks
Part-time Prep
Evenings and weekends
3 – 4 weeks
Casual Pace
A few hours per week
| Step | Activity | Duration |
|---|---|---|
| 1 | Choose your line of authority | 1 day |
| 2 | Study for the exam (no course required — prep recommended) | 1–3 weeks |
| 3 | Schedule & pass PSI exam (in-person or remote) | 1–3 days to schedule |
| 4 | Wait for PSI to upload results to NDOI | 2–3 business days |
| 5 | Submit license application via NIPR | 1 day |
| 6 | NDOI reviews and issues license | 3–5 business days |
Nebraska's exam-only requirement means no mandatory pre-licensing hours — making it one of the fastest states to get licensed in the country.
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Expand to nearby states or explore other licensed careers in Nebraska.
Nebraska Insurance License Reciprocity
Nebraska maintains full reciprocity agreements with all other states and the District of Columbia. If you hold a valid insurance license in good standing in your home state, you can apply for a Nebraska non-resident license in the same lines of authority without retaking the exam.
To apply for a non-resident license, submit your application through nipr.com. The fee is $50 per application. You will need to provide your home-state license number and it must be in good standing.
Non-Resident License Details: Nebraska issues non-resident licenses in the same lines of authority held in the applicant's home state. Visit the official NDOI page for current requirements: doi.nebraska.gov
Nebraska Insurance License Renewal
Nebraska insurance licenses are valid for 2 years and expire on the last day of your birth month in the second year of the cycle. To renew, most producers must complete 24 hours of continuing education (CE) including at least 3 hours of ethics. Title agents need 9 CE hours; Crop/Hail agents need 6 CE hours. Renewals can be submitted up to 90 days before the expiration date.
2 yrs
Renewal Cycle
24 hrs
CE Required
$50
Renewal Fee
CE courses are available from NDOI-approved providers and can typically be completed online. A $90 reinstatement fee applies if you miss your renewal deadline. For renewal deadlines, approved CE providers, and current requirements, visit doi.nebraska.gov.
Frequently Asked Questions
Does Nebraska require pre-licensing education to get an insurance license?
No. Nebraska is one of a small number of states that does not require pre-licensing education hours. You can study on your own and register directly with PSI to take the exam. However, the exams are challenging and most first-time candidates benefit from a structured study prep course from providers like Kaplan, ExamFX, or A.D. Banker. Self-study typically takes 1–4 weeks.
How much does it cost to get a Nebraska insurance license?
The minimum cost is approximately $93–$97 if you skip the prep course: approximately $43–$47 for the PSI exam fee plus $50 for the state license application fee (via NIPR, plus ~$5.60 NIPR transaction fee). If you want both a Life & Health and a Property & Casualty license, add a second exam fee, bringing your total to approximately $136–$144 for exam and application fees alone. Adding a study prep course raises the total to $250–$450 depending on the provider and format.
Does Nebraska require fingerprinting for an insurance license?
No. Nebraska does not require fingerprinting or a fingerprint-based background check for insurance producer license applicants. You will need to disclose any relevant criminal history directly on your license application, but there is no separate fingerprinting appointment or fee required.
Who administers the Nebraska insurance licensing exam?
PSI Services LLC (PSI) administers all Nebraska insurance licensing exams. PSI has partnered with the Nebraska Department of Insurance to deliver exams at test centers throughout the state (Omaha, Lincoln, Grand Island, Norfolk, North Platte, Sidney, Scottsbluff) and via remote online proctoring. Register at test-takers.psiexams.com/neins or call (833) 333-4754.
What is the passing score for the Nebraska insurance exam?
The passing score for all Nebraska insurance licensing exams is 70%. For the Property & Casualty exam, that means answering at least 70 out of 100 questions correctly. For the L&H exam (approximately 150 questions), you need at least 105 correct. If you fail, you may retake the exam by paying the full exam fee again.
How long does it take to get an insurance license in Nebraska?
Nebraska is one of the fastest states to get licensed in because there are no mandatory pre-licensing hours. If you already know the material, you could be licensed in under 2 weeks: schedule your PSI exam, pass it, wait 2–3 days for results to upload, apply via NIPR, and receive your license in 3–5 business days. Most people who need to study first should plan for 2–4 weeks total.
Does Nebraska have reciprocity with other states?
Yes. Nebraska has full reciprocity agreements with all other states and the District of Columbia. If you hold an active resident insurance license in good standing in your home state, you can apply for a Nebraska non-resident license in the same lines of authority without retaking the exam. Apply through NIPR at nipr.com. The non-resident application fee is $50.
How do I renew my Nebraska insurance license?
Nebraska insurance licenses are valid for 2 years and expire on the last day of your birth month. To renew, most producers must complete 24 hours of continuing education (CE) including at least 3 hours of ethics. Title agents need only 9 CE hours; Crop/Hail agents need 6 CE hours. Renewals can be submitted through NIPR up to 90 days before the expiration date. The renewal fee is $50. CE courses are available from approved providers and can be completed online.
How much do insurance agents earn in Nebraska?
Insurance agent salaries in Nebraska vary widely by line of authority, experience, and whether you work as a captive or independent agent. Average annual earnings for Nebraska agents range from approximately $54,000 to $63,000. Agents in Omaha average around $55,928/year and Lincoln agents average around $56,969/year (ZipRecruiter and Indeed, 2024–2025). Top-producing agents — especially in life insurance or commercial lines — can earn $85,000 to $120,000+ annually. The national BLS median for insurance sales agents was $60,370 in May 2024.
Can I get both a Life & Health and a Property & Casualty license in Nebraska?
Yes. Many Nebraska agents hold both licenses, which allows them to offer clients a broader range of products. Each license requires passing its own separate PSI exam (approximately $43–$47 each). There is no additional education requirement since Nebraska does not require pre-licensing hours. Most agents choose to study for one exam at a time — passing L&H first, then P&C (or vice versa) — before submitting a combined application via NIPR.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.