To meet Nebraska property and casualty license requirements, you need to be at least 18, pass the PSI licensing exam, clear a fingerprint-based criminal background check, and file a resident producer application through the National Insurance Producer Registry (NIPR) with a $50 fee. Nebraska does not require any pre-licensing coursework, so once you feel ready, you can register for the exam directly.1Nebraska Department of Insurance. Education for Licensees
Who Qualifies
You must be 18 or older. Resident applicants need a principal place of residence or business in Nebraska. There is no required classroom time before you sit for the exam, and the Department of Insurance does not review, approve, or recommend study providers. That keeps upfront costs low, but it puts the burden of preparation entirely on you. The exam is the only measure of whether you’re ready.
Full Property and Casualty vs. Personal Lines
Nebraska issues separate lines of authority for Property, Casualty, and Personal Lines. A full Property and Casualty license covers both personal and commercial risks, including homeowners, commercial property, auto liability, general liability, and workers’ compensation. A Personal Lines license is narrower and only authorizes property and casualty coverage sold to individuals and families for noncommercial purposes.2Nebraska Department of Insurance. Producer Licensing Lines of Authority If you plan to work with business clients at all, you need the full authority. Pick the correct exam code when you register so your license matches the work you intend to do.
The Licensing Exam
Nebraska contracts with PSI Services LLC to administer insurance licensing exams.3Nebraska Department of Insurance. Nebraska Insurance Licensing Exams The Property and Casualty exam costs $47. It runs two and a half hours and contains 150 scored questions plus 5 unscored pilot questions. You need 70 percent, or 105 of 150, to pass.4Nebraska Department of Insurance. Candidate Information Bulletin
Content covers general insurance principles, policy types, and Nebraska-specific regulations. The Department publishes a Candidate Information Bulletin with the full content outline; download it early so your study time tracks what the exam actually tests.
When you register through PSI, your name must exactly match the government-issued photo ID you bring to the testing center. A driver’s license or passport works. Any mismatch between your registration name and your ID can block you from testing that day.
Fingerprints and Background Check
Every new applicant must complete a criminal history check through electronic fingerprinting, typically handled by the Nebraska State Patrol or an authorized vendor.5Nebraska State Patrol. Fingerprinting Bring your Social Security number and personal identification details to the appointment. If you have any prior criminal history, pull your court records and sentencing documents in advance, because you’ll disclose them on the application.
A felony conviction, or a Class I, II, or III misdemeanor conviction, can be grounds for the Director of Insurance to deny your license.6Nebraska Legislature. Nebraska Code 44-4059 – Disciplinary Actions; Administrative Fine; Procedure A past conviction doesn’t automatically disqualify you, but you should be ready to explain the circumstances with documentation. Leaving something off the application that later surfaces in the background check is far worse than disclosing it upfront.
Filing the Application
After you pass the exam, PSI uploads your results directly to the Department of Insurance. Allow two to three days for that transfer, then file your formal license application through the NIPR portal.7Nebraska Department of Insurance. Producer Licensing The resident producer fee is $50, plus a small NIPR transaction fee.8Nebraska Department of Insurance. Licensing Fee Schedule
On NIPR, select the initial license application for Nebraska and enter your identifying information. The system prompts you to confirm your background details and upload any disclosures tied to the criminal history check. Make sure your fingerprints have been submitted before or shortly after filing to avoid processing delays.
The Department of Insurance typically processes applications in three to five business days. Once approved, you can download and print your electronic license through NIPR. Don’t wait weeks to apply after passing the exam; scores can expire, and delay only widens the window for something administrative to go wrong.
Renewal and Continuing Education
Nebraska renews producer licenses on a two-year cycle. The renewal fee is $50 for both resident and non-resident producers. Each two-year period, Property and Casualty licensees must complete 24 hours of continuing education: 21 hours of general coursework and 3 hours of ethics.9Nebraska Department of Insurance. Education for Licensees Even if you hold multiple lines of authority, the total requirement is capped at 24 hours per renewal period.
If your license lapses, Nebraska gives you a 30-day grace period to late-renew electronically. The late renewal fee is $90 for a standard producer license.10NIPR. Nebraska Resident Renewal Individual After that window closes, you lose the ability to renew and must reapply from scratch, which can mean retaking the exam. Finish your CE hours well before the deadline; procrastinating on CE is the most common way producers end up in late-renewal territory.
Non-Resident Applicants
If you already hold an active producer license in another state, you don’t need to retake the exam for Nebraska. Nebraska follows the reciprocity framework based on the NAIC Producer Licensing Model Act, so your home state license and continuing education generally transfer as long as your home state offers the same courtesy to Nebraska residents.11NIPR. Nebraska Non-Resident Licensing Individual
The non-resident fee is $100, not including the NIPR transaction fee. You must hold a valid license in your home state with the same lines of authority you’re requesting here. If you answer “yes” to any background questions on the application, submit supporting documents through NIPR’s Attachment Warehouse or directly to the Department of Insurance. Surplus Lines applicants face a $250 fee and must also hold an active Property and Casualty license in Nebraska.