PassProfessor’s Nebraska program is part of the expanding PassProfessor catalog. The 8,954-question Nebraska practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exam.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The Nebraska P&C exam, in one paragraph
The Nebraska Producer Property and Casualty exam (PSI Series 13-04) is the licensing exam for Nebraska’s combined property and casualty producer license, administered by PSI Services LLC for the Nebraska Department of Insurance. You will see 155 multiple-choice questions in 2.5 hours: 150 are scored, and 5 are unscored items you cannot identify. You pass by answering 70% of the scored questions correctly — 105 of 150. Nebraska requires no pre-licensing education for this license, and there is no fingerprint step: pass the exam, wait for PSI to transmit your result, and apply for the license through NIPR within one year.
Who can take the Nebraska P&C exam?
Nebraska’s front door is narrower than most states’ — there is no course gate and no fingerprint gate, so eligibility is mostly about who you are. Under the PSI candidate bulletin, a Nebraska resident seeking a producer license must:
- Be at least 18 years old.
- Be competent, trustworthy, financially responsible, and have a good personal and business reputation.
- Maintain a principal place of residence in Nebraska (for a resident license; nonresidents apply through NIPR under their home-state license).
- Pass the written examination for the lines of authority sought — this exam, for Property and Casualty.
And, just as important, what is not required:
- No pre-licensing education. Nebraska sets no classroom or course hours before this exam. The Department of Insurance publishes a four-step first-time process — register and pass the exam, let PSI upload your result, apply at NIPR, wait for processing — and no education step appears in it. The Department is explicit that it does not have pre-licensing study materials, that you may use materials of your choosing, and that it does not review, approve, or recommend providers. Preparation is entirely your choice — which makes the quality of your preparation the variable you control.
- No fingerprinting. Nothing in the bulletin, the Department’s process, or NIPR’s Nebraska business rules asks a producer applicant for fingerprints. Background is handled inside the license application itself: you answer NIPR’s background questions, and if you answer “yes” to any of them, you submit an explanation and supporting documents electronically through NIPR’s Attachments Warehouse (or to the Department by mail, email, or fax) for review.
- No sponsorship or appointment before the exam. Appointments come after licensure (§6). Nothing gates your right to sit Series 13-04 except booking it and paying the fee — the bulletin describes Nebraska examinations as open eligibility: you may test unlimited times until you pass.
Two related paths worth knowing:
- Separate Property and Casualty exams. Nebraska also offers a Property-only exam (Series 13-22) and a Casualty-only exam (Series 13-23), each 100 scored questions at a $43 fee. Most candidates who want both lines take the combined Series 13-04 in one sitting instead; this guide covers the combined exam.
- New residents. If you move to Nebraska holding a license in your prior home state, you generally have 90 days to apply for a resident Nebraska license without retaking the exam — confirm the details with the Department, because the window is short. If a prior license has been inactive for more than 12 months, the bulletin says you must pass the appropriate exams again.
The exam, piece by piece
Series 13-04 is a single combined sitting built from PSI’s Nebraska content outline. The outline has ten numbered sections; the percentages below are PSI’s published weights, and the question counts are those weights applied to the 150 scored questions (rounded — PSI publishes percentages, so treat counts as the expected share, not a guarantee for any single form).
| Outline section | Weight | Scored questions (approx.) | What it covers |
|---|---|---|---|
| 1.0 Insurance Regulation | 15% | ~23 | Nebraska licensing law and process, license types, the Director’s powers, producer and company regulation, unfair trade and claims practices, the Insurance Fraud Act, privacy law, and a federal-regulation subsection (18 USC §§1033–1034, Fair Credit Reporting, Do Not Call, TRIA, Gramm-Leach-Bliley) |
| 2.0 General Insurance | 10% | 15 | Risk and risk-handling methods, insurable risks, types of insurers, solvency and rating agencies, distribution methods, agency law and authority, and the elements and characteristics of legal contracts |
| 3.0 Property and Casualty Insurance Basics | 14% | 21 | Insurable interest, underwriting, rating, hazards, negligence and liability, damages, causes of loss, valuation, policy construction and conditions, limits of liability — plus Nebraska state plans and state regulations (§§3.21–3.22) and federal insurance programs (TRIA, NFIP, Federal Crop Insurance) |
| 4.0 Dwelling Policy | 7% | ~11 | DP-1, DP-2, and DP-3 forms, property coverages A–E, endorsements, the personal liability supplement, and cancellation/nonrenewal |
| 5.0 Homeowners Policy | 11% | ~17 | HO-2 through HO-6 and HO-8, Section I property and Section II liability coverages (E and F), special limits, endorsements, and cancellation/nonrenewal |
| 6.0 Auto Insurance | 13% | ~20 | Nebraska state auto laws first (§6.1), then the Personal Auto Policy and Commercial Auto, including garagekeepers and motor carrier coverage |
| 7.0 Commercial Package Policy | 10% | 15 | Commercial general liability, commercial property, crime, inland marine, equipment breakdown, and farm coverage |
| 8.0 Businessowners Policy | 7% | ~11 | BOP eligibility, Section I property, Section II liability, common conditions, and selected endorsements |
| 9.0 Workers Compensation Insurance | 7% | ~11 | The Nebraska Workers’ Compensation Act, federal workers’ compensation laws (FELA, Longshore, Jones Act), the policy’s six parts, rating factors, and Nebraska’s assigned-risk Workers’ Compensation Plan |
| 10.0 Other Coverages and Options | 6% | 9 | Umbrella and excess liability, specialty and professional liability, surplus lines, surety and fidelity bonds, ocean marine, aviation, flood, and boatowners/recreational vehicle policies |
| Total scored | 100% | 150 | Plus 5 unscored items = 155 on screen |
Four structural facts that shape how you should prepare:
- Regulation is the heaviest section — and it is Nebraska law. At 15%, Insurance Regulation outweighs every policy-form section on the exam. It tests the licensing statutes themselves (the outline cites Nebraska Revised Statutes chapter 44 throughout), the Director’s authority, unfair trade practices under §44-1525, unfair claims settlement practices, the Insurance Fraud Act, and Nebraska’s Privacy of Insurance Consumer Information Act. Candidates who study only policy forms start the exam by giving away its biggest block.
- Nebraska content does not stop at Section 1. The basics section carries Nebraska state plans and state regulations — the Valued Policy Law (§44-501.02), the Nebraska Property and Liability Insurance Guaranty Association (§§44-2401 to 44-2418), assigned risk and the Joint Underwriting Association, and cancellation and nonrenewal under §44-522. Auto opens with Nebraska law: the Nebraska Automobile Insurance Plan, the Motor Vehicle Safety Responsibility Act, uninsured/underinsured motorist law (§§44-6401 to 44-6414), and auto cancellation/nonrenewal notice rules. Workers’ compensation is built on the Nebraska Workers’ Compensation Act and the state Workers’ Compensation Plan. State law is a thread through the whole exam, not a supplement at the end of it.
- The general core is still most of the test. Basics, homeowners, auto, commercial package, dwelling, and businessowners together account for roughly two-thirds of the scored questions. Policy forms — what each covers, excludes, and how it pays — remain the exam’s center of gravity after regulation.
- There is one score. The combined exam produces a single result against the 70% standard. A weak section can be offset by a strong one — and the reverse is also true.
Unscored items. The outline’s header specifies 5 unscored items on Series 13-04, mixed in with the scored questions and indistinguishable from them. (The bulletin’s general experimental-items note says one to ten such items, roughly 10%, may appear across Nebraska examinations; the exam-specific outline figure for this exam is 5, and that is the number this guide uses.) Unscored items do not affect your result but do consume your time — the only correct strategy is to treat every question as scored.
The passing standard, explained
You pass with 70% of the scored questions correct — 105 of 150.
PSI states this exam’s standard directly as a percentage in the bulletin exam table (“(70%) or 105 correct”), which makes Nebraska simpler to plan for than scaled-score states: there is no conversion to decode. Two consequences follow:
- Your practice percentage means what it says. If your full, timed practice exams sit comfortably above 70% across every outline section, that is a meaningful readiness signal in a way it cannot be under a scaled system. “Comfortably” is the operative word — a practice average of 71% leaves no margin for a hard form, a bad morning, or a section you under-drilled.
- Your score report is immediate and specific. Your result is displayed on screen when you finish, and a score report is emailed to you. If you do not pass, the emailed report includes diagnostic information indicating your strengths and weaknesses by examination type — the starting point for a retake plan. Exam scores are confidential: PSI reveals them only to you and the Department.
One honest gap: neither PSI’s bulletin nor the Department’s published materials state a pass rate for this exam, and this guide will not invent one. What can be said from the structure alone is that the exam is broad — 150 scored questions across ten sections, with the single heaviest section being state law that national materials tend to skim — and that candidates who prepare against the outline, section by section, are preparing for the test that actually exists.
Fees and registration, step by step
Keep the two payments separate in your mind — they go to two different places at two different times, and there is no third payment hiding in the process. Nebraska has no fingerprint fee, because there is no fingerprint step.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee | $47 | PSI | When you book Series 13-04 |
| License application fee | $50 | The Department, via NIPR | After you pass |
The exam fee is non-refundable and non-transferable, and it is valid for one year from the date of payment. The application fee is stated on the Department’s uniform application form; NIPR may add its own transaction charge at checkout.
The sequence, in order:
- Create your PSI account and book. Go to PSI’s Nebraska insurance portal (test-takers.psiexams.com/neins), select the examination, and register. The first and last name on your account must match your current, valid, government-issued ID exactly — a mismatch at check-in is a missed appointment and a forfeited fee. You can also register by phone at (833) 333-4754. Pay the $47 fee to complete the booking.
- Choose an in-person test center. Effective March 16, 2026, remote proctored examinations are no longer available for Nebraska insurance licensing; the Department’s guidance confirms testing is allowed only at physical sites (remote appointments already scheduled when the change took effect were honored). Nebraska centers listed in the bulletin are in Grand Island, Lincoln, Norfolk, North Platte, Omaha, Scottsbluff, and Sidney — and PSI notes you may take this examination at its centers in other states as well.
- Mind the cancellation window. You may cancel and reschedule without forfeiting your fee if your notice is received 2 days before the scheduled date — for a Monday appointment, that means notice by the previous Saturday. Cancel through the PSI website or by speaking directly with a PSI representative; the bulletin warns that a voicemail or email message is not an acceptable cancellation.
- Take the exam (test-day rules are in §8). Your result appears on screen at the end, and PSI electronically notifies the Department of a passing result within 48 hours.
- Apply for the license — after passing. Allow 2–3 days for your exam information to be uploaded to the Department’s system, then apply online at nipr.com and pay the $50 application fee. The Department asks applicants to allow 3–5 days for processing once the application is submitted; you can then download or print your license through NIPR. Nebraska uses your National Producer Number (NPN) as your license number.
Accommodations. All PSI centers provide access under the Americans with Disabilities Act, and accommodations can be requested through PSI. If English is not your primary language, you may request an ESL authorization for time-and-a-half, supported by a personal letter and a letter from an English instructor or sponsor, per the bulletin.
After you pass
Passing is not licensure — it is the key that unlocks the application, and the clock on it matters.
- Wait for PSI to upload your result — PSI notifies the Department within 48 hours; the Department asks you to allow 2–3 days before applying.
- Apply at NIPR. Complete the uniform application at nipr.com, answer the background questions honestly, and pay the $50 application fee. If you answer “yes” to a background question, submit your explanation and supporting documents electronically through NIPR’s Attachments Warehouse (or by mail, email, or fax to the Department) — and answer “yes” to questions 1 and 2 if you answer “yes” to question 2, per the Department’s instructions.
- Do not apply before passing. The Department’s guidance is explicit: it cannot process an application before the examination information is in its system, and NIPR will return an application submitted without a passing score to the Department’s database.
- Wait for the license to issue. Allow 3–5 days for processing after submission. You can then download or print your license through NIPR, and your license number is your National Producer Number (NPN).
- Get appointed. You cannot transact business until you are appointed by an insurer for the lines you hold. The appointment is the insurer’s action, not yours — after licensure, it is the next step, and the one that actually lets you sell.
The one-year deadline. The bulletin is unambiguous: you have 1 year from the date you passed to apply for the license. Miss it, and your passing score expires and you retake the exam. Do not let a passed exam quietly lapse while you sort out paperwork.
Renewal, briefly. Nebraska producer licenses renew on a two-year cycle on the last day of your birth month. Renewal requires 24 hours of continuing education, including 3 hours of ethics, completed in the 24 months preceding renewal, with no more than 6 hours of the requirement satisfied by a single approved course or presentation — and you cannot repeat a course in the same renewal period for credit. This guide does not detail continuing education, because it is not a licensing-gate issue; just know the clock starts on renewal once you are licensed.
Retakes and score validity
Nebraska does not make you wait. PSI’s bulletin describes Nebraska examinations as open eligibility: you may test unlimited times until you pass, with no mandatory waiting period and no limit on attempts stated in the bulletin or the Department’s materials.
The only waits are practical ones:
- The rebooking wait. Scores are processed overnight, so you must wait until the next day before you can reschedule after a failed attempt — the bulletin notes that candidates who fail and immediately attempt to re-register may receive an error message until the score has been processed.
- The per-attempt cost. Each sitting costs another $47 exam fee. Unlimited attempts are not free attempts.
What to do with a failed score report: it arrives by email and includes diagnostic information on your strengths and weaknesses by examination type. Use it literally — map each weak area back to the outline section above and drill that section first, before rebooking. Rebooking immediately and hoping for an easier form is the most expensive way to retake.
Test day
Arrive early, bring exactly what is asked, and expect the test center’s rules to be stricter than the exam’s content.
- Arrive 30 minutes early. The bulletin directs candidates to arrive at least 30 minutes before the appointment. Arriving more than 15 minutes late means you cannot enter, your fee is forfeited, and you must re-register and pay again.
- Bring two IDs, one with a photo. You need two valid forms of identification, and one must be government-issued and include your signature and photograph. Examples in the bulletin include a driver’s license, a passport, a state-issued ID, a military ID, or a school ID with a photo. The first and last name on your IDs must match your PSI account exactly.
- Expect to be scanned and stored. You will be asked to empty your pockets and your personal items will be placed in a secure storage area or locker; you may be scanned with a metal detector or wand. No personal items, phones, food, or drinks are permitted in the testing area, and the test center will not accept food or drink deliveries during the exam. Electronic devices must be off and are not permitted to be accessed at any time during the examination.
- Know the timing. You have 2.5 hours for the 155 questions — just under a minute per question on average, with the unscored items consuming some of that budget. Use the on-screen features the bulletin lists: mark questions for review, view the question list, and return to marked items. A tutorial on the system is available on screen before you begin and does not count against your time.
- Know what happens if you leave. You may take restroom breaks, but the exam clock does not stop during them, and leaving the testing room is subject to the test center’s sign-out procedures. If you need to leave the building or abandon the examination for a personal emergency, you must notify the proctor; leaving without notifying the proctor is recorded as a no-show and your fee is forfeited. Cheating, disruptive behavior, or misrepresentation can result in confiscation of your score and a ban from PSI testing for up to 5 years.
Remote testing is gone. Repeat, because candidates still find old pages describing it: effective March 16, 2026, remote proctored examinations are no longer available for Nebraska insurance licensing. Book an in-person center.
How to study for this exam
Because Nebraska requires no pre-licensing course, your study plan is not a box to check — it is the entire preparation. Build it around the outline above, not around a generic national textbook.
- Start with regulation, not with policy forms. Section 1 is 15% of the exam and it is Nebraska law. Before you memorize dwelling endorsements, be able to explain the licensing statutes, the Director’s powers, unfair trade and claims practices, and the fraud and privacy acts. The exam rewards candidates who take the state half of the outline seriously.
- Learn the forms by comparison, not in isolation. Dwelling, homeowners, commercial property, and businessowners share a skeleton — coverages, exclusions, conditions, valuation — and the exam tests the differences: which form is named perils, which is open perils, which limit applies where, what each endorsement changes. A table you build yourself, form by form, is worth more than a chapter you merely read.
- Drill Nebraska law where it lives inside the other sections. Valued Policy Law and the Guaranty Association in basics; the Automobile Insurance Plan, Safety Responsibility Act, and UM/UIM law in auto; the Workers’ Compensation Act and Plan in workers’ compensation; cancellation and nonrenewal rules wherever they appear. State law is not a chapter — it is a thread, and you should study it as one.
- Practice under exam conditions. 155 questions in 2.5 hours is a pace discipline as much as a knowledge test. Take full, timed practice exams, and practice marking questions for review and returning to them — the same workflow the PSI interface offers. A practice score earned untimed is not a practice score.
- Use your misses as a syllabus. Every wrong answer should send you back to a specific outline section, not to a vague sense that you need to “study more.” If your misses cluster in Section 6, you have an auto problem; if they cluster in Section 1, you have a regulation problem. Fix the cluster, not the feeling.
- Do not trust a single source for the state content. The Department does not review or recommend study materials. Cross-check anything you read about Nebraska law against the bulletin’s outline and the statutes it cites (chapter 44) — especially cancellation and nonrenewal notice rules, where the details are exactly what gets tested.
- Leave margin above 70%. Aim for practice averages well above the pass line, across all ten sections, before you book. A 71% average is a coin flip with a hard form; an 80% average is a plan.
This program’s Nebraska practice bank (8,954 questions, including 1,449 on Nebraska law and Nebraska-specific rules) is built on this same outline. The Nebraska Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Nebraska P&C exam, and how long do I have?
155 multiple-choice questions in 2.5 hours: 150 scored and 5 unscored items you cannot identify. Treat every question as scored.
What score do I need to pass?
70% of the scored questions — 105 of 150. PSI states this exam’s standard directly as a percentage, so there is no scaled score to decode.
Do I need a pre-licensing course before the Nebraska P&C exam?
No. Nebraska requires no pre-licensing education for this license, and the Department does not review, approve, or recommend study providers. Preparation is your choice — which is why preparing against PSI’s outline matters so much.
Do I need to be fingerprinted?
No. Nothing in the bulletin, the Department’s process, or NIPR’s Nebraska business rules asks a producer applicant for fingerprints. Background is handled through the license application’s background questions, with explanations and supporting documents submitted through NIPR’s Attachments Warehouse if you answer “yes” to any of them.
How much does the whole process cost?
$47 for the exam (paid to PSI when you book) and $50 for the license application (paid to the Department via NIPR after you pass). NIPR may add a transaction charge at checkout. There is no fingerprint fee, because there is no fingerprint step.
Can I take the exam remotely?
No — not anymore. Effective March 16, 2026, remote proctored examinations are no longer available for Nebraska insurance licensing. You must test at a physical PSI center.
Where can I take the exam?
Nebraska centers listed in the bulletin are in Grand Island, Lincoln, Norfolk, North Platte, Omaha, Scottsbluff, and Sidney. PSI also notes you may take this examination at its centers in other states.
How do I register, and how do I cancel?
Register through PSI’s Nebraska insurance portal (test-takers.psiexams.com/neins) or by phone at (833) 333-4754, and pay the $47 fee. You may cancel and reschedule without forfeiting the fee if your notice is received 2 days before the scheduled date — for a Monday appointment, that means notice by the previous Saturday — through the PSI website or by speaking directly with a PSI representative. A voicemail or email message is not an acceptable cancellation.
What ID do I need on test day?
Two valid forms of identification, one of which must be government-issued with your signature and photograph — for example a driver’s license, passport, state-issued ID, military ID, or school ID with a photo. The names on your IDs must match your PSI account exactly. Arrive at least 30 minutes early; arriving more than 15 minutes late means you cannot enter and your fee is forfeited.
When do I get my result, and what happens if I fail?
Your result is displayed on screen when you finish, and a score report is emailed to you; if you fail, the report includes diagnostic information by examination type. Nebraska examinations are open eligibility — you may test unlimited times until you pass — but you must wait until the next day to reschedule after a failed attempt, because scores are processed overnight, and each sitting costs another $47.
How long do I have to apply for the license after passing?
One year from the date you passed. After that, your passing score expires and you must retake the exam. Allow 2–3 days after passing for PSI’s result to be uploaded to the Department’s system before applying at nipr.com, and do not apply before passing — NIPR will return such an application.
Should I take the combined exam or the separate Property and Casualty exams?
Most candidates who want both lines take the combined Series 13-04 in one sitting. Nebraska also offers Property-only (Series 13-22) and Casualty-only (Series 13-23), each 100 scored questions at a $43 fee. This guide covers the combined exam.
What is the hardest part of this exam to prepare for?
The state law. Regulation alone is 15% of the exam, and Nebraska content runs through basics, auto, and workers’ compensation as well. National materials tend to skim exactly this material, so candidates who study only policy forms give away the exam’s biggest block — and several of its smaller ones.
Disclaimer
PassProfessor is not affiliated with PSI Services LLC, the Nebraska Department of Insurance, or NIPR. Exam formats, content outlines, fees, and procedures change; confirm the current details in PSI’s Nebraska insurance candidate bulletin and with the Nebraska Department of Insurance before you register, and verify licensing requirements directly with the Department. This guide is for study and planning purposes and is not legal, licensing, or career advice. Practice questions are study material, not a guarantee of any exam result.