How Do I Get an Insurance License in Nebraska?

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, it’s time to begin studying for the Nebraska insurance exams. The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line that you wish to carry. In Nebraska, Property and Casualty are in a combined test. Life & Annuities, Accident & Health or Sickness are also combined as one exam. After passing your exams, the next step is to apply for your license. If you have more than one line of authority that you would like to carry, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

How Do I Get a State Adjuster License in Nebraska?

The State of Nebraska does not offer a Resident Insurance Adjuster License and does not require a license to practice insurance claims adjusting within the state.

How do I renew my insurance license in Nebraska?

In Nebraska, insurance licenses expire every two years. The expiration will be on the last day of your birth month, and there is no requirement to take another exam from the state (but you need to make sure your continued education is up to date to keep your license current). The State of Nebraska requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two-year renewal period. Three (3) hours must be on the subject of ethics. Credits cannot include the same course taken repeatedly in one reporting period. If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours. You can take your classes either in a classroom setting or <a href="https://www.kaplanfinancial.com/insurance-continuing-education/nebraska?utm_source=MKT-005318&utm_medium=banner&utm_campaign=INS_IL_Affiliate&utm_term=nece_link&utm_content=staterequirement">online as a self-paced course</a>. The online courses usually require a reading of the subject at hand, then a test at the end. Upon completion of these courses, the company who you took the course from should send the certificate of completion directly to the state. You may want to print a copy of this certificate to keep in your records just in case there is a dispute later. After you have completed your courses, you may renew your Nebraska insurance license online by using the <a href="https://nipr.com/licensing-center/state-requirements/nebraska-resident-renewal-individual">Nebraska National Insurance Producer Registry</a> online renewal tool. <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. There is a fee of $50 to renew your license.

How do I renew my nonresident insurance license in Nebraska?

There is no requirement to take another exam from the state. If this is the state you reside in, then renewing your license will also keep any nonresident license you have in good standing. You will still need to pay the license renewal fee for nonresident licenses held in other states. You may renew your nonresident license in Nebraska by using the <a href="https://nipr.com/licensing-center/state-requirements/nebraska-resident-renewal-individual">Nebraska National Insurance Producer Registry</a> online renewal tool. <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. There is a fee of $50 to renew your license.

How Do I renew My Non-Resident Adjuster License in Nebraska?

Public Adjuster licenses are issued to expire the last day of the month in the licensees birth month. Individuals born in even numbered years renew their license at the end of their birth month in the even numbered years and individuals born in odd numbered years renew their license at the end of their birth month in the odd numbered years. Non-Resident applicants must be licensed for the same license type and lines of authority to be eligible for online submission. Additionally, Non-Resident Adjusters in Missouri are only required to complete the Continuing Education (CE) requirements of their Designated Home State (DHS). There is an $50 fee to renew your Nebraska adjuster license. You can renew your license online through an application on NIPRs website. For any questions, please contact the Nevada Division of Insurance.

How Do I Renew My Adjuster License In Nebraska?

Nebraska is one of 16 states that do not license insurance adjusters. This means you can legally adjust claims in your state without a license, but only in said state. To adjust in the state of Nebraska, you will need to obtain a Designated Home State (DHS) license. You will go through that state’s (Nebraska or otherwise) licensing process, testing, and compliance regulations and their license will act as your resident, or home state license. Once you hold a DHS license, you’ll be able to use it to get reciprocal license privileges so you are more employable and can adjust claims in other states. If youre looking to become an insurance adjuster in a non-licensing state like Nebraska, the Florida 70-20 DHS License is the next best thing for the following reasons: The state offers the quickest turnaround time after you submit your documents. The Florida 70-20 license is reciprocal with most states. A Florida DHS license is good for 4 years. This is not to say this is the only way to obtain a DHS license, it is simply the easiest. Many of the licensing states offer DHS licenses. So be sure to do additional research to find the best fit. For more information, contact the Nebraska Department of Insurance (DOI).

Nebraska

state commissioner

Eric Dunning

STATE email

doi.licensing@nebraska.gov

STATE phone

(402) 471-4913

STATE LICENSE DIVISION ADDRESS

The Nebraska Department of Insurance

Address

941 O Street

P.O. Box 82089

Lincoln, Nebraska, 68501

Visit State Website

Appointments & Terminations

Required to report appointments?

Yes

Permits Just-in-time (JIT) appointments?

Yes

Initial appointment deadlines

Within 15 days of contract execution or first business submission

Initial appointment deadline rule

JIT appointments permitted. Appointments must be submitted within 15 days of the date the agent/agency contract is executed or the first piece of business is submitted to the carrier

Can be processed via nipr?

Yes

Fees for appointing a resident agency or individual?

Fees for appointing a nonresident agency or individual?

Minimum $8; retaliatory Connecticut - $20 Georgia - $20 Guam - $25 North Carolina - $11 Vermont - $80 Virginia - $8

Appoint agencies?

Adjuster appointments via NIPR?

Appointment effective date can be specified?

Appointment effective date rule

Effective date will be ignored (but required). Date effective is date the transaction is processed by the state.

State requires appointment renewal?

Yes

Appointment renewals via

Via NIPR Portal

When is the state renewal period?

May 1 through July 31

Appointment renewal fee

Alabama: $25, Alaska: $8, Arizona: $8, Arkansas: $60, California: $8, Colorado: $8, Connecticut: $10, Delaware: $8, District of Columbia: $25, Florida: $30, Georgia: $16, Guam: $8, Hawaii: $8, Idaho: $8, Illinois: $8, Indiana: $8, Iowa: $8, Kansas: $8, Kentucky: $25, Louisiana: $20, Maine: $15, Maryland: $8, Massachusetts: $75, Michigan: $5, Minnesota: $8, Mississippi: $25, Missouri: $8, Montana: $8, Nebraska: $8, Nevada: $15, New Hampshire: $8, New Jersey: $25, New Mexico: $20, New York: $8, North Carolina: $11, North Dakota: $10, Ohio: $10, Oklahoma: $30, Oregon: $8, Pennsylvania: $15, Puerto Rico: $8, Rhode Island: $8, South Carolina: $20, South Dakota: $20, Tennessee: $8, Texas: $8, Utah: $8, Vermont: $30, Virginia: $10, Washington: $10, West Virginia: $25, Wisconsin: $30, Wyoming: $15, Virgin Islands: $8, Default Fee: $8

Fees are retaliatory?

Yes

Licenses require appointment or affiliation?

State terminates appointment if license expires?

Yes

Terminations processed via NIPR?

Yes

Termination reasons

Voluntary termination; inadequate production; cancelled by general agent; death; company defunct or liquidation; company indebtedness; poor policyholder service; agent moved; appointed in error; cancelled; cancelled for cause; company merger; revoked; suspended for compliance; request regulatory review

Termination date can be specified by carrier?

Termination Effective date rule

Required (but ignored) and is the date the transaction is processed by the state

Termination fee

Allows carriers to terminate the appointment if license has expired?

Yes

Can a not-for-cause termination notice be emailed?

Notices must be mailed

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $50 (All LOAs except Surplus)
Resident New License Insurance Producer: $250 (Surplus Lines)
Nonresident New License Insurance Producer: $50 (All LOAs except Surplus)
Nonresident New License Insurance Producer: $250 (Surplus Lines)

License renewal fee

Resident Renewal Insurance Producer: $50 Resident Renewal Insurance Producer: $250 Nonresident Renewal Insurance Producer: $50 Nonresident Renewal Insurance Producer: $250

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed for 30 days after expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed for 30 days after expiration

Can a producer use a P.O. Box in their resident or business address?

Yes

Are individuals required to list their county as part of the address?

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Managing General Agent, Producer Temporary, Apprentice Temporary Insurance Producer, Producer - Surplus Lines, Life and Health, Motor Club, Property and Casualty, Utilization Review Agent, Agency - Rental Car, Insurance Producer, Motor Club Representative, Public Adjuster, Reinsurance Intermediary Manager, Reinsurance Intermediary Broker, Consultant - Individual, Health Maintenance Organization (HMO), Risk Retention Group - Foreign (Registered Only), Producer - Preneed, Viatical Broker, Navigator

State recognizes a licensing exemption for nonresident commercial lines producers with multistate contracts?

Yes

State broker license rule

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?

Prelicense education requirement

Background Check Required?

Yes – Full criminal history

Fingerprints Required?

Not Required

State Pre-Licensing Exam Website

PSI Exams

How Long are State Pre-Licensing Exams Active?

One Year

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

Appointment

What Determines the Retaliatory Fee?

NE or home state (whichever is higher)

Submit Partial License Renewals through NIPR?

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

Licensees must notify the Insurance Department within 30 days of a change of name or residence/business address. Contact Change Request is supported via the NIPR Gateway.

Name Change Form

Individual and Business Entities can process via NIPR

Penalty for failure to timely report personal data changes

Failure to notify the Insurance Department within 30 days of a change of name or residence/business address may result in: a. a fine of no more than $500 per violation; and/or b. suspension of the license until the change of address is reported to the Department.

Agency

Can a sole proprietor be licensed as an entity?

Yes

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

Agency Licensing renewals

90 days prior to expiration until expiration date, April 30 in even-numbered years. Late renewal ends 30 days after expiration date. Reinstatement period ends one year after expiration date.

Agency License required?

Yes

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes

Do not track agency affiliations.

Branch office

Main license meets requirements

Deadline to report key business entity changes (address, dba, phone, email, etc.)

Licensees must notify the Insurance Department within 30 days of a change of name or residence/business address. A licensee must change the address on the renewal form to amend the agency address. Contact Change Request supported via NIPR Gateway,

Adjuster

Requires adjuster license?

Only Public Adjusters

Offers designated home state?

Reciprocity states

None

Independent adjuster fees

Public Adjuster Renewal Period

Last day of their birth month in the first year after the license is issued that they are of even age. The entity public adjuster license will expire on April 30th of every year.

Public Adjuster Details

Issues both individual and firm Public Adjuster licenses. Nonresidents must be a licensed public adjuster in their state to qualify. Residents must follow the application process and have proof of a $20,000 surety bond.

Public Adjuster LOAs

Public Adjuster

Public adjuster fees

Licensing Fee: $50

Public adjuster exam required?

Yes

DHS Exam Required?

Address change request through NIPR?

Yes

Continuing Education

Total hours per renewal period

Renewal period

2 years

CE due before license renewal date?

Yes

License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

45 days prior to the license expiration.

How long before expiration does state send CE reminder?

90 days prior to expiration date

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

If you've been licensed less than a year on first renewal, the state will waive your CE requirement.

What if a producer missed the renewal date?

You can reinstate your license within 12 months if you get current on your CE, and pay a reinstatement fee.

Ethics requirements

Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training every two years

Annuity-specific CE requirements

One-time, 4-hour course

Adjusters

Check CE transcripts

https://sbs.naic.org/solar-external-lookup/license-manager

Additional line of business requirements

Title agents need 9 CE hours total. Crop agents need 6 CE hours total. Funeral agents need 9 CE hours total, and funeral director agents need 6 CE hours. Viatical agents need 15 CE hours total.

For more from agentsync

https://agentsync.io/blog/individual-producers/insurance-continuing-education-nebraska

Regulatory Updates

Nebraska Company Appointment Renewal 2025

Effective May 1, 2025, Nebraska company appointment renewal invoices will be available for payment from May 1, 2025, through July 31, 2025. The termination deadline is April 25, 2025. The cost is $8 per appointment. Invoice fees are based on the residency of the appointee, see below.

Nebraska Rule Updates for Changing Residency

Effective March 14, 2025, Nebraska will be updating rules for applicants changing residency. - The applicant is exempt from the license exam if applying within 90 days of the cancellation of their former resident state's license - If the applicant holds an active nonresident NE license while applying for a resident NE license, the state will review

Nebraska Appointment Retaliatory Fees Update

Effective January 10, 2025, Nebraska will update the retaliatory fees list for initial appointments for the following states: - Connecticut - Old Fee: $10 New Fee: $20 - Georgia - Old Fee: $14 New Fee: $20 - Guam - Old Fee: $0 New Fee: $25 - North Carolina - Old Fee: $10 New Fee: $11 - Vermont - Old Fee: $30 New Fee: $80 - Virginia - Old Fee: $10 New Fee: $8

Nebraska Updating LOA Descriptions

Effective January 9th, 2025, Nebraska will update the following license classes Lines of Authority (LOA) descriptions: Insurance Producer, Producer Temporary, and Apprentice Temporary Insurance Producer The new LOA descriptions will be available for display and offered for applications electronically.

SBS LOA Updates

Effective November 1, 2024, State Based Systems (SBS) is updating multiple lines of authority effective dates for the below states. - North Dakota - Nebraska - New Hampshire - Tennessee

Nebraska Offers Motor Club No Home State Application Electronically

Effective November 15, 2024, Nebraska will implement No Home State initial licensing for Motor Club electronically for individuals.

Nebraska Implements New Transaction Type to Process Designated Responsible Licensed Producer

Effective July 12 2024, Nebraska is implementing a new transaction to process Designated Responsible Licensed Producer (DRLP) updates.

Nebraska Implements New Transaction Type to Process Primary Name Updates

Effective June 14, 2024, Nebraska is implementing a new transaction to process individual and business entity primary name updates.

Nebraska Announces Appointment Renewal Dates for 2024

Effective May 01, 2024, Nebraska company appointment renewal invoices will be available for payment through July 31, 2024. The Renewal period is May 1, 2024 to July 31st, 2024. The termination deadline for any appointment not to be renewed is April 25th, 2024.

Nebraska Department of Insurance will Add Funeral Insurance Director LOA for Life License / Resident Licensing

Effective January 12, 2024, Nebraska Department of Insurance will require Residents to pass an exam or hold a Life license in Nebraska if applying to a Funeral Insurance Director license.

Nebraska Department of Insurance to Add Surplus Lines Broker Mapping

Effective January 11, 2024, Nebraska will require nonresident Surplus Lines Broker applicants to hold Surplus lines in their resident state.

Nebraska to Add Temporary Apprentice Insurance Producer Licenses for Appointments, Terminations

Effective November 10, 2023, Nebraska will add a new Apprentice Temporary Insurance Producer license type which allows a licensee to apply for appointments

Nebraska Revised Business Entity License Expiration Dates

Effective June 6, 2023, Nebraska revised the business entity license expiration dates for residents and nonresidents. Agency licenses expire on April 30 each **even-numbered** year. The Department will mail renewal instructions to the agency 90 days before the expiration date.

Nebraska Creates a Pet Insurance License

On April 18th 2023, the Nebraska Unicameral passed LB296, which created a regulatory structure for the sale of pet insurance in the state. To help ease entry into selling pet insurance, the Nebraska Department of Insurance (NDOI) created a new pet insurance license. See attachment for full details.

Nebraska 2023 Company Appointment Renewal Period

Nebraska has announced their 2023 Company Appointment Renewals dates. The Renewal period is May 1, 2023 to July 31st, 2023. The termination deadline for any appointment not to be renewed is April 25th, 2023.

New Exam Vendor for Nebraska

Beginning on February 1, 2023, PSI will be the exam vendor for Nebraska.

Nebraska Announces New Exam Administrator

Effective January 29, 2023, PSI will be the new Nebraska Department of Insurance exam administer.

Nebraska Adds Insurance Producer Pet and Updates Retaliatory Fees for Appointments

Effective February 10, 2023, Nebraska will offer Insurance Producer Pet on the PDB and will update appointment retaliatory fees.

Nebraska Standard Validation Rules

Beginning on January 13, 2023, the license number on the current PDB record on submitted appointments and terminations must match the appointer's license.

Nebraska Updates Managing General Agent Licensing Fee

Both the Initial and renewal fee for the Managing General Agent license will be lowered from $60 to $50

Nebraska to Add Apprentice Producer Insurance License

Nebraska has announced an Apprentice Producer Insurance License and its requirements, which will take effect on December 1, 2022.

Nebraska Removing Proctoring Requirements

Effective Immediately, Nebraska eliminates the proctor requirements for online continuing education.

Nebraska 2022 Appointment Renewal Dates Available

The invoice renewal period for Nebraska appointment renewals is from April 29, 20224 to August 2, 2022, along with termination deadlines and fees.

FAQs

How Do I Get an Insurance License in Nebraska?

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, it’s time to begin studying for the Nebraska insurance exams. The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line that you wish to carry. In Nebraska, Property and Casualty are in a combined test. Life & Annuities, Accident & Health or Sickness are also combined as one exam.

After passing your exams, the next step is to apply for your license. If you have more than one line of authority that you would like to carry, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.
How Do I Get a State Adjuster License in Nebraska?
How do I renew my insurance license in Nebraska?

In Nebraska, insurance licenses expire every two years. The expiration will be on the last day of your birth month, and there is no requirement to take another exam from the state (but you need to make sure your continued education is up to date to keep your license current).

The State of Nebraska requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two-year renewal period. Three (3) hours must be on the subject of ethics. Credits cannot include the same course taken repeatedly in one reporting period.

If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours. You can take your classes either in a classroom setting or online as a self-paced course. The online courses usually require a reading of the subject at hand, then a test at the end.

Upon completion of these courses, the company who you took the course from should send the certificate of completion directly to the state. You may want to print a copy of this certificate to keep in your records just in case there is a dispute later.

After you have completed your courses, you may renew your Nebraska insurance license online by using the Nebraska National Insurance Producer Registry online renewal tool. AgentSync can also help with the renewal process.

There is a fee of $50 to renew your license.
How do I renew my nonresident insurance license in Nebraska?

There is no requirement to take another exam from the state. If this is the state you reside in, then renewing your license will also keep any nonresident license you have in good standing. You will still need to pay the license renewal fee for nonresident licenses held in other states.

You may renew your nonresident license in Nebraska by using the Nebraska National Insurance Producer Registry online renewal tool. AgentSync can also help with the renewal process.

There is a fee of $50 to renew your license.
How Do I renew My Non-Resident Adjuster License in Nebraska?

Public Adjuster licenses are issued to expire the last day of the month in the licensees birth month. Individuals born in even numbered years renew their license at the end of their birth month in the even numbered years and individuals born in odd numbered years renew their license at the end of their birth month in the odd numbered years.

Non-Resident applicants must be licensed for the same license type and lines of authority to be eligible for online submission. Additionally, Non-Resident Adjusters in Missouri are only required to complete the Continuing Education (CE) requirements of their Designated Home State (DHS).

There is an $50 fee to renew your Nebraska adjuster license. You can renew your license online through an application on NIPRs website.

For any questions, please contact the Nevada Division of Insurance.
How Do I Renew My Adjuster License In Nebraska?

Nebraska is one of 16 states that do not license insurance adjusters. This means you can legally adjust claims in your state without a license, but only in said state.

To adjust in the state of Nebraska, you will need to obtain a Designated Home State (DHS) license. You will go through that state’s (Nebraska or otherwise) licensing process, testing, and compliance regulations and their license will act as your resident, or home state license. Once you hold a DHS license, you’ll be able to use it to get reciprocal license privileges so you are more employable and can adjust claims in other states.

If youre looking to become an insurance adjuster in a non-licensing state like Nebraska, the Florida 70-20 DHS License is the next best thing for the following reasons:
The state offers the quickest turnaround time after you submit your documents.
The Florida 70-20 license is reciprocal with most states.
A Florida DHS license is good for 4 years.

This is not to say this is the only way to obtain a DHS license, it is simply the easiest. Many of the licensing states offer DHS licenses. So be sure to do additional research to find the best fit.

For more information, contact the Nebraska Department of Insurance (DOI).