Nebraska Insurance License
The Nebraska insurance license exam, in plain numbers.
Everything below is specific to Nebraska — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Nebraska
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
| Life only | 100 | 70 | 70% | 30 |
Administered by PSI Services for the Nebraska Department of Insurance. Time limit: 2 hours 30 minutes. Roughly 25 of the scored questions (17%) come from Nebraska law — the block national courses cover most lightly.
Prelicensing
Disputed. One source describes 40 hours for the combined life and health license, broken down as 17 hours Life, 17 hours Health including 6 hours of Medicare Supplement and Long-Term Care, and 6 hours Ethics. Another states Nebraska has no formal prelicensing education requirement. Confirm with the Department before enrolling.
Continuing education
24 hours every two years including 3 hours of ethics. Excess credit hours CANNOT be carried over from one renewal period to the next, and duplicate courses completed in the same renewal period are not allowed. Courses must be in the lines held. NFIP course credits count toward the 24-hour requirement. Title agents complete 9 hours and crop agents 6 hours.
License term
2 years
Regulator
The Nebraska Department of Insurance oversees licensing, headed by a Director of Insurance leading the Nebraska Department of Insurance.
Nebraska Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Nebraska policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Nebraska, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Nebraska insurance exam questions, answered
How many questions are on the Nebraska insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the Nebraska insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the Nebraska insurance license exam?
PSI Services, on behalf of the Nebraska Department of Insurance.
Does Nebraska require prelicensing education?
Disputed. One source describes 40 hours for the combined life and health license, broken down as 17 hours Life, 17 hours Health including 6 hours of Medicare Supplement and Long-Term Care, and 6 hours Ethics. Another states Nebraska has no formal prelicensing education requirement. Confirm with the Department before enrolling.
How much continuing education does Nebraska require?
24 hours every two years including 3 hours of ethics. Excess credit hours CANNOT be carried over from one renewal period to the next, and duplicate courses completed in the same renewal period are not allowed. Courses must be in the lines held. NFIP course credits count toward the 24-hour requirement. Title agents complete 9 hours and crop agents 6 hours.
Is there a Nebraska life-only or health-only exam?
Yes. Life only is 100 scored questions, 70 to pass.
How much does a Nebraska study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Nebraska Department of Insurance.