A candidate fails to appear for the Nebraska producer examination as scheduled. What does Neb. Rev. Stat. 44-4052 require before another examination?Neb. Rev. Stat. 44-4052(4)
A Nebraska insurance consultant has contracted for a fee to advise on coverage a client then buys. What does Neb. Rev. Stat. 44-2631 say about a commission on that sale?Neb. Rev. Stat. 44-2631
A Nebraska licensed agent's commissions on insurance written on himself or herself, relatives, and his or her employer or employees exceed ten percent of the year's total, which raises a presumption. Above what share is the agent conclusively presumed to hold the license to get around the rebate law?Neb. Rev. Stat. 44-361.01(2)
A Nebraska licensee is a member of a professional insurance association. Up to how many hours of continuing education credit may be approved for active participation in a two-year period?Neb. Rev. Stat. 44-3904(3)(a)
A Nebraska producer faces a criminal prosecution. The thirty days to report it to the director run from what date?Neb. Rev. Stat. 44-4065(3)
Show all 130 questions (125 more)
Director, licensing and producers, continued
A Nebraska producer may pay or assign commissions to an insurance agency or to persons who do not sell, solicit, or negotiate insurance in the state, unless the payment would violate which section?Neb. Rev. Stat. 44-4060(4)
A Nebraska producer misses the expiration date. For how long afterward may the license still be renewed on payment of a late renewal fee?Neb. Rev. Stat. 44-4054(3)
A nonresident licensee receives an order of license revocation under Neb. Rev. Stat. 44-4055(6) and requests no hearing within thirty days. What becomes of the order?Neb. Rev. Stat. 44-4055(6)
A nonresident producer licensed in Nebraska moves from one state to another and files a change of address with certification from the new resident state. What does Nebraska charge for the filing?Neb. Rev. Stat. 44-4055(3)
After a Nebraska insurer notifies the director that it has terminated a producer, how soon must it mail a copy of the notification to the producer?Neb. Rev. Stat. 44-4062(6)(a)
After a Nebraska producer license terminates, for how long may a disciplinary proceeding still be instituted against the person?Neb. Rev. Stat. 44-4059(6)
An applicant was licensed for the same lines in another state, and that license was canceled. To skip the Nebraska examination, the application must be received within how many days of the cancellation?Neb. Rev. Stat. 44-4056(1)
An individual applies for a Nebraska insurance consultant license without completing a recognized program of study. For how long must the applicant have been licensed as an agent, broker, or consultant?Neb. Rev. Stat. 44-2621
An individual Nebraska producer lets the license lapse. Within what time from the due date of the renewal fee may it be reinstated without a written examination?Neb. Rev. Stat. 44-4054(5)
For good cause, the Nebraska director may extend the time to complete continuing education. What is the longest extension?Neb. Rev. Stat. 44-3907(1)
For how long after completing the services must a Nebraska insurance consultant keep a copy of the written consulting agreement?Neb. Rev. Stat. 44-2630
For how long, at most, may the Nebraska director issue a temporary insurance producer license?Neb. Rev. Stat. 44-4058(1)
How does Neb. Rev. Stat. 44-103 tell a foreign insurance company from an alien one?Neb. Rev. Stat. 44-103(3)
How long before its expiration date may a Nebraska producer license be renewed?Neb. Rev. Stat. 44-4054(3)
How many hours of approved continuing education must a Nebraska producer licensed for life and for accident and health complete in each two-year period, before the ethics hours are added?Neb. Rev. Stat. 44-3904(1)(a)(i)
How may a person who sells insurance in Nebraska without a license for that line be stopped under Neb. Rev. Stat. 44-4050?Neb. Rev. Stat. 44-4050
In addition to the regular continuing education hours, how many hours on insurance industry ethics must a Nebraska licensee complete in each two-year period?Neb. Rev. Stat. 44-3904(2)
Neb. Rev. Stat. 44-4059 names one tax matter among the causes for suspending or revoking a producer's license. Which is it?Neb. Rev. Stat. 44-4059(1)(n)
The Nebraska director denies a license application. Within how many days may the applicant make written demand for a hearing?Neb. Rev. Stat. 44-4059(3)
The Nebraska director has notice that a nonresident licensee failed to keep a resident license in good standing in the home state. What happens to the Nebraska license?Neb. Rev. Stat. 44-4059(2)
Nebraska's age of majority is set by another statute. What does Neb. Rev. Stat. 44-4053 say of a person who is issued an insurance producer license at eighteen?Neb. Rev. Stat. 44-4053(1)(a)
On what date do Nebraska business entity producer licenses expire?Neb. Rev. Stat. 44-4054(3)
Under Neb. Rev. Stat. 44-4054(6), what may the director grant a producer who cannot comply with renewal procedures because of military service or a long-term medical disability?Neb. Rev. Stat. 44-4054(6)
Under Neb. Rev. Stat. 44-4061, which producer is not required to become appointed?Neb. Rev. Stat. 44-4061(1)
Under Nebraska law, who is an insurance consultant?Neb. Rev. Stat. 44-2607
What does Neb. Rev. Stat. 44-3904 say about taking the same continuing education activity twice?Neb. Rev. Stat. 44-3904(1)(d)
What grade of offense is acting as an insurance consultant in Nebraska without a license?Neb. Rev. Stat. 44-2615
What grade of offense is it in Nebraska to obtain an agent's license primarily to circumvent the rebate law?Neb. Rev. Stat. 44-361.02
What is the ceiling Neb. Rev. Stat. 44-4064 sets on the late renewal fee for a producer license?Neb. Rev. Stat. 44-4064(1)(d)
What is the ceiling Neb. Rev. Stat. 44-4064 sets on the reinstatement fee for a lapsed producer license?Neb. Rev. Stat. 44-4064(1)(e)
What is the largest administrative fine, per violation, under the Nebraska Insurance Producers Licensing Act?Neb. Rev. Stat. 44-4059(5)
What is the least paid-in capital stock Neb. Rev. Stat. 44-214 requires of a stock insurance company to transact any line of insurance in Nebraska?Neb. Rev. Stat. 44-214(1)
What is the most the Nebraska director may fine a licensee, per violation, for failing to report a change of legal name or address within thirty days?Neb. Rev. Stat. 44-4054(8)
What may the Nebraska director require of a temporary licensee to protect insureds and the public?Neb. Rev. Stat. 44-4058(2)
When does an individual Nebraska insurance producer license expire?Neb. Rev. Stat. 44-4054(3)
When does an insurance company's Nebraska certificate of authority expire?Neb. Rev. Stat. 44-303
When must a Nebraska insurance producer tell the director about doing business under a name other than the producer's legal name?Neb. Rev. Stat. 44-4057
Which criminal conviction does Neb. Rev. Stat. 44-4059 list as a cause for suspending or revoking a producer license?Neb. Rev. Stat. 44-4059(1)(f)
Which Nebraska licensee is outside the continuing education sections under Neb. Rev. Stat. 44-3903?Neb. Rev. Stat. 44-3903(6)
Which of these must a Nebraska producer report to the director within thirty days under Neb. Rev. Stat. 44-4065(2)?Neb. Rev. Stat. 44-4065(2)
Who is the chief administrative officer of the Nebraska Department of Insurance?Neb. Rev. Stat. 44-101.01
Within how many days must a Nebraska insurer file a notice of appointment after the agency contract is executed or the first insurance application is submitted?Neb. Rev. Stat. 44-4061(2)
Life insurance law 21
A charity described in section 501(c)(3) of the Internal Revenue Code wants to own a policy on a donor's life in Nebraska. What does Neb. Rev. Stat. 44-704 require?Neb. Rev. Stat. 44-704(4)
A Nebraska buyer returns a life policy within the ten-day period. What is the effect under Neb. Rev. Stat. 44-502.05?Neb. Rev. Stat. 44-502.05
A Nebraska group life policy makes active employment a condition of insurance. For how long may a totally disabled insured continue coverage by paying his or her share of the premium?Neb. Rev. Stat. 44-1607(11)
A Nebraska group life policy terminates. For at least how long must a person have been insured under it to be entitled to an individual policy without evidence of insurability?Neb. Rev. Stat. 44-1607(9)
A Nebraska life insurer charges interest on a premium paid during the grace period. What is the highest rate Neb. Rev. Stat. 44-502 allows?Neb. Rev. Stat. 44-502(2)
A Nebraska life policy becomes a claim by the death of the insured. By when must settlement be made?Neb. Rev. Stat. 44-502(12)
A Nebraska life policy issued today states a fixed maximum policy loan interest rate. How high may that rate be?Neb. Rev. Stat. 44-502.03(1)(a)
A Nebraska life policy lapsed and its value was applied to buy other insurance. Within how long from the default may the policy be reinstated?Neb. Rev. Stat. 44-502(11)
A Nebraska life policy uses an adjustable policy loan rate. How often must the maximum rate be determined?Neb. Rev. Stat. 44-502.03(4)
A participating Nebraska life policy must begin the yearly apportionment of divisible surplus not later than the end of which policy year?Neb. Rev. Stat. 44-502(7)
A person leaving a Nebraska group life plan was not told of the conversion right in time, so the period to convert is extended. What is the outside limit of the extension?Neb. Rev. Stat. 44-1613
After how many full years' premiums must a Nebraska life policy let the owner borrow on the sole security of the policy?Neb. Rev. Stat. 44-502(8)
For a Nebraska life policy issued on or after January 1, 2026, how long before termination or lapse for an unpaid premium must a notice go to the owner and any assignee on record?Neb. Rev. Stat. 44-502(15)(a)
How does Nebraska define an insurable interest in the matter of life and health insurance?Neb. Rev. Stat. 44-103(13)(b)
Nebraska group life insurance may be extended to spouses and dependent children. What is the most that may be written on a covered spouse or child?Neb. Rev. Stat. 44-1614
Nebraska requires the insured's application or written consent for a policy on his or her person. Who may take out a policy on another without it?Neb. Rev. Stat. 44-704(2)
The table of loan values and default options in a Nebraska life policy must cover at least how many policy years?Neb. Rev. Stat. 44-502(10)
Under a Nebraska group life policy, how much of the death benefit may the insurer reserve the right to pay to a person who incurred funeral or last illness expenses?Neb. Rev. Stat. 44-1607(6)
What grace period must a Nebraska life or endowment policy give for a premium due after the first year?Neb. Rev. Stat. 44-502(2)
Which individual policy is outside Nebraska's ten-day right to return a life insurance or annuity policy?Neb. Rev. Stat. 44-502.05
Which limitation of liability may a Nebraska life policy keep in force after the two-year incontestable period has run?Neb. Rev. Stat. 44-502(5)
Annuities and variable contracts 9
An annuity violation harmed a Nebraska consumer, and corrective action was taken promptly after it was discovered. What may the director do with the penalty?Neb. Rev. Stat. 44-8107(3)
Does the care obligation in Nebraska's annuity act make the producer a fiduciary?Neb. Rev. Stat. 44-8106(1)(a)(iv)
For how long after an annuity transaction is completed by the insurer must the records behind a Nebraska producer's recommendation be available to the Director of Insurance?Neb. Rev. Stat. 44-8106
How does Nebraska law class a violation of the Nebraska Protection in Annuity Transactions Act?Neb. Rev. Stat. 44-8107(2)
In Nebraska's annuity act, what is left out of the definition of a material conflict of interest?Neb. Rev. Stat. 44-8105(8)
Under the Nebraska Protection in Annuity Transactions Act, a producer meets the best interest obligation by satisfying which four obligations?Neb. Rev. Stat. 44-8106(1)
What does Neb. Rev. Stat. 44-2212 say about a separate investment account behind variable contracts?Neb. Rev. Stat. 44-2212
What must an individual hold to sell individual variable annuities in Nebraska?Neb. Rev. Stat. 44-2216
What training must a Nebraska producer complete before engaging in the sale of annuity products?Neb. Rev. Stat. 44-8108(2)(a)(i)
Sickness and accident law 23
A carrier is discontinuing a type of individual health policy in Nebraska. How far ahead of its notice to covered individuals must it notify the director?Neb. Rev. Stat. 44-787(1)(c)(ii)
A covered Nebraska employee of a small employer dies. For how long, at most, may the surviving spouse and dependent children continue the group health coverage?Neb. Rev. Stat. 44-1643(1)(e)
A health carrier decides to stop offering one type of individual health policy in Nebraska. How much notice of nonrenewal must it give covered individuals?Neb. Rev. Stat. 44-787(1)(c)(ii)
A Nebraska employer too small for the federal continuation law lets an employee go for reasons other than misconduct. For how long may the employee continue group hospital, surgical, or major medical coverage?Neb. Rev. Stat. 44-1640(1)(a)
A Nebraska expense-incurred health policy covers a newly born child from the moment of birth. Within how many days may the policy require notice of the birth and payment of the premium for coverage to continue?Neb. Rev. Stat. 44-710.19(3)
A Nebraska sickness and accident policy carries the optional cancellation provision. How much notice by certified or registered mail must the insurer give, apart from nonpayment, fraud, or misrepresentation?Neb. Rev. Stat. 44-710.04(9)
A Nebraska sickness and accident policy may let the insurer pay an indemnity owed to the insured's estate, or to a minor, to a relative instead. What is the highest amount the policy may name?Neb. Rev. Stat. 44-710.03(9)
A surviving spouse elects to continue Nebraska group health coverage after an employee's death. By when must the election form and first monthly premium be sent?Neb. Rev. Stat. 44-1645
After a Nebraska sickness and accident policy is reinstated, when does coverage for sickness begin?Neb. Rev. Stat. 44-710.03(4)
An individual Nebraska long-term care policy defines a preexisting condition by a look-back period before the effective date. How long may that period be?Neb. Rev. Stat. 44-4513(2)
How long does a Nebraska applicant have to return a Medicare supplement policy for a refund of the premium?Neb. Rev. Stat. 44-3608
How long does a Nebraska claimant have to bring a legal action on a sickness and accident policy, counted from the time written proof of loss is required?Neb. Rev. Stat. 44-710.03(11)
How many employees must a Nebraska employer's group sickness and accident policy insure, at the least?Neb. Rev. Stat. 44-760(1)
How many members must a Nebraska association insure, at the least, under a group sickness and accident policy issued to the association?Neb. Rev. Stat. 44-760(2)
How soon after an employee's termination must a Nebraska employer send the notice of the right to continue group health coverage?Neb. Rev. Stat. 44-1641
In Nebraska, when is an insured bound by a statement made in an application for a sickness and accident policy?Neb. Rev. Stat. 44-710.12
Neb. Rev. Stat. 44-749 forbids unfair discrimination in sickness and accident rates between individuals of substantially the same hazard. Which difference does the section still permit?Neb. Rev. Stat. 44-749
The Nebraska exam outline cites section 71-531 for testing in underwriting. What right does that section give a person seeking a human immunodeficiency virus test?Neb. Rev. Stat. 71-531(1)
Nebraska lists a conformity clause among the mandatory provisions of a sickness and accident policy. With whose law must a conflicting provision be made to conform?Neb. Rev. Stat. 44-710.03(13)
What is the most a terminated employee may be charged each month for continued group health coverage under Neb. Rev. Stat. 44-1640?Neb. Rev. Stat. 44-1640(2)
When must the outline of coverage for a Nebraska Medicare supplement policy be delivered to the applicant?Neb. Rev. Stat. 44-3607(1)
Which individual sickness and accident policy is outside Nebraska's ten-day right to return under Neb. Rev. Stat. 44-710.18?Neb. Rev. Stat. 44-710.18
Which of these may a Nebraska long-term care insurance policy not do?Neb. Rev. Stat. 44-4513(1)(c)
Unfair trade practices, fraud and penalties 20
A court finds, in an action brought by the Nebraska Director of Insurance, that a person committed a fraudulent insurance act. What is the ceiling on the civil penalty for a first violation?Neb. Rev. Stat. 44-6607(1)
A Nebraska claimant asks an insurer for the forms needed to present a claim. Within what time must the insurer provide them with reasonable explanations?Neb. Rev. Stat. 44-1540(14)
A Nebraska group insurer readjusts the premium rate at the end of a policy year, based on the group's loss or expense. Is that a rebate?Neb. Rev. Stat. 44-1525(8)(b)(iii)
A Nebraska insurer commits an unfair trade practice flagrantly, in conscious disregard of the act. What is the ceiling on the penalty then?Neb. Rev. Stat. 44-1529(1)
A Nebraska insurer receives a written inquiry from the Department of Insurance. Within what time must it respond or ask for more time, to avoid an unfair trade practice?Neb. Rev. Stat. 44-1525(11)
A Nebraska insurer reports suspected insurance fraud to the director. When is it immune from civil liability for furnishing the information?Neb. Rev. Stat. 44-6605(1)
A Nebraska insurer takes applications from a producer who is not licensed or appointed as the licensing act requires. How does Neb. Rev. Stat. 44-1525 treat that?Neb. Rev. Stat. 44-1525(12)
A Nebraska producer tests a value-added service in a pilot program without full evidence that it works. How long may the pilot run under Neb. Rev. Stat. 44-361?Neb. Rev. Stat. 44-361(4)(f)
A witness refuses a subpoena in a Nebraska unfair trade practice hearing. Which court may order compliance on the director's application?Neb. Rev. Stat. 44-1528(4)
An agent receives a promissory note in payment of part of a premium. What does Neb. Rev. Stat. 44-369 forbid?Neb. Rev. Stat. 44-369
At what amount involved does a fraudulent insurance claim become a Class III felony in Nebraska?Neb. Rev. Stat. 28-631(2)(a)
For Nebraska's rule that an insurer keep a record of all complaints, what counts as a complaint?Neb. Rev. Stat. 44-1525(9)
The Nebraska director serves a statement of charges for an unfair trade practice. How soon after service may the hearing be held?Neb. Rev. Stat. 44-1528(1)
Under Nebraska's unfair trade practices law, an insurer may not refuse to insure a person solely because of sex or marital status. For what purpose may marital status still be taken into account?Neb. Rev. Stat. 44-1525(7)(e)
What does Neb. Rev. Stat. 44-354 make unlawful in the sum charged for a policy?Neb. Rev. Stat. 44-354
What is the largest penalty, per violation, for violating a cease and desist order issued under Nebraska's Unfair Insurance Trade Practices Act?Neb. Rev. Stat. 44-1532(1)
What is the ordinary ceiling on the monetary penalty for an unfair trade practice in Nebraska?Neb. Rev. Stat. 44-1529(1)
What powers do investigators of Nebraska's Insurance Fraud Prevention Division have when they are certified law enforcement officers?Neb. Rev. Stat. 44-6606(2)(a)
When is an act listed in Neb. Rev. Stat. 44-1540 an unfair claims settlement practice?Neb. Rev. Stat. 44-1539
Which of these does Nebraska's rebate statute say shall not be considered a rebate of the premium?Neb. Rev. Stat. 44-361(2)
Guaranty association 10
How many members sit on the board of directors of the Nebraska Life and Health Insurance Guaranty Association?Neb. Rev. Stat. 44-2706(1)
How much in life insurance death benefits will the Nebraska Life and Health Insurance Guaranty Association cover on one life?Neb. Rev. Stat. 44-2703(3)(b)(i)(A)
May a Nebraska producer mention the guaranty association's protection to help close a sale?Neb. Rev. Stat. 44-2719.01
One owner holds many nongroup life policies with an insolvent Nebraska member insurer. What is the most the guaranty association will cover for that owner?Neb. Rev. Stat. 44-2703(3)(b)(iii)(B)
What is the Nebraska guaranty association's limit for benefits under a health benefit plan?Neb. Rev. Stat. 44-2703(3)(b)(i)(B)
What is the Nebraska guaranty association's limit for disability insurance or long-term care insurance benefits on one life?Neb. Rev. Stat. 44-2703(3)(b)(i)(B)
What is the Nebraska guaranty association's limit on one life for net cash surrender and net cash withdrawal values of life insurance?Neb. Rev. Stat. 44-2703(3)(b)(i)(A)
What is the Nebraska guaranty association's limit on one life for the present value of annuity benefits?Neb. Rev. Stat. 44-2703(3)(b)(i)(C)
Which of these is not a member insurer of the Nebraska Life and Health Insurance Guaranty Association?Neb. Rev. Stat. 44-2702(13)
Which three accounts does the Nebraska Life and Health Insurance Guaranty Association keep for administration and assessment?Neb. Rev. Stat. 44-2705(1)
How this list was compiled: Nebraska Revised Statutes, Chapter 44 (Insurance): the Insurance Producers Licensing Act (Sections 44-4050 to 44-4065); Sections 44-3903 to 44-3907 (continuing education) and 44-2607 to 44-2631 (insurance consultants); the Unfair Insurance Trade Practices Act and the Unfair Insurance Claims Settlement Practices Act (44-1525 to 44-1540); the Insurance Fraud Act (44-6605 to 44-6607); the Nebraska Protection in Annuity Transactions Act (44-8105 to 44-8108); the Nebraska Life and Health Insurance Guaranty Association Act (44-2702 to 44-2719.01); and Sections 44-101.01, 44-103, 44-214, 44-303, 44-354, 44-361, 44-361.01, 44-361.02, 44-369, 44-502, 44-502.03, 44-502.05, 44-704, 44-710.03, 44-710.04, 44-710.12, 44-710.18, 44-710.19, 44-749, 44-760, 44-787, 44-1607, 44-1613, 44-1614, 44-1640, 44-1641, 44-1643, 44-1645, 44-2212, 44-2216, 44-3607, 44-3608 and 44-4513, with Sections 28-631 and 71-531, read on October 15, 2026 on the Nebraska Legislature's website (https://nebraskalegislature.gov/laws/browse-statutes.php). The topics follow the statute citations in the Nebraska Department of Insurance's content outline for the Producer's Examination for Life, Accident and Health or Sickness Insurance, Series 13-03, in the outlines effective February 1, 2025 (linked from https://doi.nebraska.gov/sites/default/files/doc/NEInsCO2.pdf). Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course, a study guidebook or an exam question pool.
How it works
The outline of the Nebraska life and health insurance exam prints Nebraska statute sections beside its topics. These 130 unofficial questions, our own, are written from those sections. Law only. Not affiliated with the Nebraska Department of Insurance.
Read the full guide
What the Nebraska law questions cover
The Department's outline for Series 13-03 gives Insurance Regulation 15 percent of the exam and cites statutes again under life, annuity, health and group topics. The ten guaranty association questions come from the same chapter; the outline does not cite that act.
A free Nebraska health and life insurance license study guide to the statutes
Two Nebraska figures to know: the optional cancellation provision of a health policy calls for at least thirty days' notice by certified or registered mail, and a late change of name or address can cost up to $500 (Neb. Rev. Stat. 44-710.04, 44-4054). Topics the outline rests on Title 210 of the Nebraska Administrative Code, such as policy replacement, illustrations and Medicare supplement plans, are not asked, and neither are product knowledge or federal law.
A life policy's grace period is one month, with interest of at most six percent a year (Neb. Rev. Stat. 44-502).
Small-employer group health coverage continues up to six months after an involuntary termination, at up to 102 percent of the premium (Neb. Rev. Stat. 44-1640).
Questions and answers
How many questions are on the Nebraska life and health insurance exam?
The Department's outline lists 150 questions plus 5 unscored items in 2.5 hours for the combined exam, Series 13-03. Life (13-01) and Accident and Health or Sickness (13-02) each have 100 questions plus 5 unscored items in 2 hours.
What is the passing score for the Nebraska insurance exam?
The Candidate Information Bulletin lists a passing cut score of 70 percent: 105 correct on the 150-item combined exam and 70 correct on a 100-item single-line exam.
How many continuing education hours does a Nebraska insurance producer need?
Twenty-one hours of approved activities in each two-year period, plus three hours on insurance industry ethics (Neb. Rev. Stat. 44-3904).
Does Nebraska require a prelicensing course for the insurance exam?
Neb. Rev. Stat. 44-4053 puts no course among its four findings for a resident license: age eighteen, no ground for denial, the fees, and a passed examination for each line. The Department says it has no pre-licensing study materials and recommends no providers.
Are these the real Nebraska insurance exam questions?
No. They are our own, written from the Nebraska Revised Statutes. This site has never seen the state exam, and the Department of Insurance did not write or review them.