- NE-PC is the Nebraska Property and Casualty Insurance Producer Exam, administered by PSI Services LLC as Series 13-04.
- The exam has 150 scored multiple-choice questions in 150 minutes, plus possibly 5-10 unscored items.
- You need 70% (105 correct answers) to pass, and the exam costs $47.
- Nebraska has no mandatory prelicensing education, but Auto Insurance carries the heaviest domain weight at 16%.
What Is A NE-PC, Exactly?
NE-PC stands for the Nebraska Property and Casualty Insurance Producer Exam. It's the state licensing test that anyone who wants to sell property and casualty insurance products in Nebraska - think homeowners policies, auto coverage, commercial packages, and workers compensation - must pass before the Nebraska Department of Insurance will issue a resident producer license. It is not a voluntary professional designation you add to a resume for prestige; it's a mandatory regulatory checkpoint that stands between a candidate and the legal ability to sell P&C insurance in the state.
If you've searched for background on this exam, you may have landed on pages discussing entirely different credentials that happen to share the same three letters. This article, and the rest of this site, deals exclusively with the Nebraska insurance producer exam covered under Series 13-04. If you want a broader breakdown of what the acronym itself means, our companion piece on NE-PC Meaning unpacks it in more detail, and What Does NE-PC Stand For? covers the naming convention PSI and the state use for this exam series.
Who Administers and Governs the Exam
Two organizations control this process. The Nebraska Department of Insurance sets licensing rules, eligibility standards, and continuing education requirements. PSI Services LLC is the third-party testing vendor that actually builds, schedules, and delivers the exam - officially labeled Producer Property and Casualty Series 13-04.
This division matters for practical reasons. If you have a question about your application status, residency requirements, or license renewal, that's a Department of Insurance matter. If you have a question about scheduling a testing appointment, exam-day rules, or your score report, that's a PSI matter. Confusing the two often leads to wasted phone calls and delayed applications.
Key Takeaway
Nebraska sets the licensing rules; PSI builds and delivers the test itself. Know which one to contact for which issue before exam day arrives.
Exam Format and Question Style
The NE-PC exam is a closed-book, computer-administered test consisting of 150 scored multiple-choice questions. Candidates get 150 minutes to complete it, and PSI may quietly insert 5 to 10 additional unscored experimental items that look identical to real questions but don't count toward your score. You won't know which ones are experimental, so every question deserves the same level of attention.
To pass, you need to answer at least 105 of 150 scored questions correctly - a 70% passing score. Calculators and outside reference materials are strictly prohibited during the test. The exam costs $47 to sit, separate from the $50 license application fee filed afterward.
One significant scheduling change is coming: effective March 16, 2026, Nebraska will only offer this exam at physical PSI testing centers - remote or online proctoring options will no longer be available. If you've been planning around a remote sitting, check current scheduling windows well ahead of time on our NE-PC Exam Dates guide.
| Exam Detail | Specification |
|---|---|
| Scored Questions | 150 multiple-choice |
| Time Allowed | 150 minutes |
| Passing Score | 70% (105 correct) |
| Unscored Items | 5-10 experimental questions possible |
| Exam Fee | $47 |
| Format | Closed-book, computer-based |
For a deeper look at how difficult this format actually is in practice, see How Hard Is the NE-PC Exam?, and for the exact scoring mechanics, NE-PC Passing Score 2026 breaks down what 105 correct really requires question by question.
The 10 Domains You'll Be Tested On
The NE-PC exam blueprint splits into ten content domains, each weighted differently. Understanding these weights is the single most useful thing you can do before opening a study guide, because it tells you exactly where your study hours should go.
Domain 6: Auto Insurance (16%) - Largest Domain
This is the single heaviest-weighted domain on the exam, covering personal auto policy structure, liability limits, coverage exclusions, and endorsements.
- Know the difference between liability, collision, and comprehensive coverage
- Understand PAP exclusions and who qualifies as an insured
Domain 3: Property and Casualty Insurance Basics (13%)
Foundational terminology and concepts that underpin every other domain - policy structure, insurable interest, and general principles of indemnity.
- Master core insurance vocabulary before moving to policy-specific domains
Domain 5: Homeowners Policy (13%)
Covers HO policy forms, perils, exclusions, and endorsements - a companion domain to Dwelling Policy content.
- Compare HO-2, HO-3, and other common form structures
Domain 8: Businessowners Policy (12%)
Commercial coverage bundled for small businesses, distinct from the standalone Commercial Package Policy domain.
- Know what's automatically included versus what requires an endorsement
The remaining domains - Insurance Regulation (10%), General Insurance (10%), Commercial Package Policy (10%), Workers Compensation Insurance (7%), Dwelling Policy (5%), and Other Coverages and Options (3%) - round out the blueprint. None of these should be skipped just because they carry lighter weight; a candidate needs 105 correct answers overall, and lower-weighted domains still contribute real points. For a full domain-by-domain walkthrough with content specifics, read our NE-PC Exam Domains 2026 guide.
Eligibility and Application Mechanics
Nebraska keeps the entry requirements relatively lean compared to many other states. There is no mandatory prelicensing education requirement - you can study independently and go straight to the exam. To qualify as a resident applicant, you must:
- Be at least 18 years old
- Meet the state's character and residency standards
- Pass the NE-PC exam
- Submit your license application along with the $50 application fee within one year of passing
That one-year window is not a suggestion - if you pass the exam and let more than a year lapse before filing your application, you may have to retest. Build your application submission into your post-exam plan, not as an afterthought. For a complete rundown of every prerequisite and how residency standards are verified, see NE-PC Requirements 2026, and for a breakdown of every dollar involved - exam fee, application fee, and renewal costs - check NE-PC Certification Cost 2026.
What Happens After You Pass
Passing the exam is the middle of the process, not the end. Once licensed, Nebraska producers must renew their license every two years by the last day of their birth month. Renewal requires 24 continuing education hours, including 3 hours of ethics - though your very first renewal cycle is exempt from the CE requirement.
If you plan to sell flood insurance at any point, you'll also need a one-time 3-hour NFIP course before writing that business. This is separate from your general CE hours and only needs to be completed once.
Key Takeaway
Mark your birth month two years out for renewal, and don't wait until the deadline to start accumulating your 24 CE hours - 3 of which must be ethics-specific.
Who Actually Needs This License
Insurance agencies, independent brokerages, and captive carrier offices across Nebraska hire licensed P&C producers to sell auto, homeowners, commercial, and workers compensation policies. Some roles are strictly sales-focused; others blend sales with account servicing and renewal management. Because the license itself is a legal requirement rather than a resume-boosting extra, virtually every P&C-focused hiring posting in Nebraska will list "active producer license" as a non-negotiable qualification.
If you're weighing whether pursuing this license makes financial sense relative to the time and fees involved, our analysis at Is the NE-PC Certification Worth It? walks through the tradeoffs, and NE-PC Salary Guide 2026 looks at earnings considerations for licensed producers. For a sense of the kinds of roles that specifically require this credential, see NE-PC Jobs.
How to Approach Preparation
Because Nebraska doesn't mandate prelicensing coursework, candidates often underestimate how much self-directed structure they need. A simple weighted-review approach - spending study blocks proportional to domain weight - tends to outperform studying every domain equally.
Heavy Domains First
- Auto Insurance (16%) and Homeowners Policy (13%)
- Property and Casualty Insurance Basics (13%) for vocabulary foundation
Commercial and Regulatory Content
- Businessowners Policy (12%) and Commercial Package Policy (10%)
- Insurance Regulation (10%) and General Insurance (10%)
Lighter-Weight Domains and Full Review
- Workers Compensation Insurance (7%), Dwelling Policy (5%), Other Coverages and Options (3%)
- Full-length timed practice runs at 150 questions / 150 minutes
Repetition under real time pressure matters here - the 150-minute limit for 150 questions leaves roughly one minute per item, which is workable but not generous if you're second-guessing yourself. Practicing under that same time constraint before test day removes a variable you don't want to discover mid-exam. Our NE-PC Study Guide 2026 expands this into a fuller first-attempt strategy, and running full-length questions on our practice test platform is the closest simulation you'll get to actual exam pacing.
Frequently Asked Questions
No. Passing the exam is one requirement among several. You still need to meet age, character, and residency standards and submit the $50 application within one year of passing to actually receive your Nebraska producer license.
Nebraska has no mandatory prelicensing education requirement, so you can prepare independently through study guides and practice exams rather than a formal course.
You need 105 correct answers out of 150 scored questions, meaning you can miss up to 45 and still meet the 70% passing threshold.
No. Starting March 16, 2026, Nebraska will only offer this exam at physical PSI testing centers, eliminating remote testing options.
You'll need to complete a one-time 3-hour NFIP course before writing flood insurance business, separate from your regular continuing education hours.