- NE-PC is the Nebraska Department of Insurance's Property and Casualty Producer Series 13-04, administered by PSI Services LLC.
- The exam has 150 scored multiple-choice questions in 150 minutes, plus up to 10 unscored experimental items.
- Passing requires 70% (105 of 150 correct); the exam fee is $47 and closed-book with no calculators.
- Auto Insurance is the heaviest domain at 16%, followed by Homeowners and P&C Basics at 13% each.
What Is the NE-PC Exam, Exactly?
NE-PC stands for the Nebraska Property & Casualty Insurance Producer Exam - officially the Producer Property and Casualty Series 13-04 licensing test. The Nebraska Department of Insurance sets the licensing rules and content standards, while PSI Services LLC builds, schedules, and scores the actual exam. Passing this exam is the gateway step to becoming a licensed property and casualty insurance producer in Nebraska, allowing you to sell auto, homeowners, dwelling, commercial, and related coverage lines to Nebraska residents.
Unlike some states, Nebraska does not require mandatory prelicensing education before you sit for the exam. That makes NE-PC somewhat unusual: your entire preparation is self-directed, whether through a course, a manual, or focused practice testing. If you're mapping out exactly what's required before you can even register, the NE-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify guide walks through the age, residency, and character standards in detail.
Exam Format, Fees, and Timing
The NE-PC exam is a closed-book, computer-based test with a straightforward structure once you understand the numbers:
- 150 scored multiple-choice questions, with PSI potentially adding 5 to 10 additional unscored experimental items mixed in (you won't know which ones don't count).
- 150 minutes to complete the exam - roughly one minute per scored question, which is generous if you know the material but unforgiving if you're guessing.
- 70% passing score, meaning you need at least 105 correct answers out of 150 scored items.
- $47 exam fee, paid when you register through PSI.
- No calculators or reference materials allowed at any point during the test.
An important scheduling change is coming: effective March 16, 2026, Nebraska will only offer the exam at physical PSI testing centers - remote/online proctored testing is being discontinued. If you're planning your test date around this transition, review the NE-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling guide before you lock in a seat.
Key Takeaway
Because every scored question carries equal weight and there's no partial credit, your prep time is best spent proportional to domain weight - heavier domains deserve heavier review, not equal time across all ten.
The 10 Content Domains
NE-PC content is organized into ten domains, each with its own percentage of the 150 scored questions. Knowing these weights tells you exactly where to focus.
| Domain | Weight |
|---|---|
| Auto Insurance | 16% |
| Property and Casualty Insurance Basics | 13% |
| Homeowners Policy | 13% |
| Businessowners Policy | 12% |
| Insurance Regulation | 10% |
| General Insurance | 10% |
| Commercial Package Policy | 10% |
| Workers Compensation Insurance | 7% |
| Dwelling Policy | 5% |
| Other Coverages and Options | 3% |
Domain 6: Auto Insurance (16%)
The single largest domain. Expect deep coverage of liability limits, uninsured/underinsured motorist provisions, physical damage coverage, and exclusions common to personal auto policies.
- Know how limits, deductibles, and stacking interact on claims scenarios
Domain 5: Homeowners Policy (13%)
Tests your grasp of HO policy forms, covered perils, dwelling and personal property limits, and liability sections within a homeowners contract.
- Distinguish named-peril vs. open-peril forms and their exclusions
Domain 3: Property and Casualty Insurance Basics (13%)
Covers foundational concepts - insurable interest, indemnity, policy structure, and underwriting terminology - that underpin every other domain.
- Master core vocabulary before moving to policy-specific domains
For a full breakdown of what to expect in each of the ten areas - including the smaller but still testable domains like Dwelling Policy and Other Coverages and Options - see the NE-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
Who Takes the NE-PC Exam
Candidates sitting for NE-PC are typically pursuing entry into the property and casualty side of the insurance business in Nebraska - captive agents joining a carrier's local sales force, independent agency hires, and career-changers moving into insurance sales from adjacent fields. Because there's no prelicensing coursework mandate, some candidates come from insurance-adjacent jobs (claims, customer service, banking) and study independently, while others go through carrier-sponsored training before testing.
Passing NE-PC is a prerequisite for holding a resident P&C producer license in Nebraska - it doesn't certify a specialty or designation on its own, but it is the licensing gate that every producer working in auto, homeowners, commercial, or businessowners lines must pass through. If you're weighing whether pursuing this license makes financial sense for your situation, the NE-PC Salary Guide 2026: Complete Earnings Analysis and the broader Is the NE-PC Certification Worth It? Complete ROI Analysis 2026 article both go deeper on that question.
The Licensing Path After You Pass
Passing the exam is necessary but not sufficient - Nebraska has a short list of additional requirements around the exam itself:
- Applicants must be at least 18 years old.
- Applicants must meet Nebraska's character and residency standards.
- You must pass the NE-PC exam before submitting your license application.
- The $50 license application must be submitted within one year of passing the exam, or your passing score expires.
That one-year window matters more than it seems - if you pass NE-PC and then delay the application, you risk having to retest. Build your application submission into your post-exam plan, not as an afterthought.
Renewal and Continuing Education
Once licensed, Nebraska P&C producers renew every two years, by the last day of their birth month. Renewal requires 24 continuing-education hours, of which 3 hours must be ethics-specific. There's one notable exception: your first renewal cycle is exempt from the CE requirement, giving newly licensed producers a break before the clock starts on ongoing education.
This renewal structure is a good reminder that NE-PC is a starting point, not a one-time event - the license needs active maintenance to stay in good standing.
Building a Domain-Weighted Study Plan
Generic study advice - spaced repetition, timed practice blocks, active recall - only helps if it's mapped onto NE-PC's actual weight distribution. With Auto Insurance at 16% and Homeowners and P&C Basics both at 13%, those three domains alone account for close to 30% of your scored questions. That's where early study weeks should concentrate, before narrowing into the mid-weight domains (Insurance Regulation, General Insurance, Commercial Package Policy, and Businessowners Policy) and finally the lighter domains (Workers Compensation, Dwelling Policy, and Other Coverages and Options).
Foundations and Heaviest Domains
- Build core vocabulary via P&C Basics, then move into Auto Insurance
Homeowners and Businessowners
- Compare policy forms side by side to avoid confusing similar coverages
Regulation, General Insurance, Commercial Package
- Focus on definitions and regulatory processes tested in shorter question stems
Remaining Domains and Timed Practice
- Cover Workers Compensation, Dwelling, and Other Coverages; run full 150-question timed sets
For a more detailed week-by-week walkthrough tied specifically to NE-PC's question style and scoring threshold, see the NE-PC Study Guide 2026: How to Pass on Your First Attempt. And since 70% is a firm cutoff with no partial credit, it's worth understanding exactly how that score translates in practice - the NE-PC Passing Score 2026: Exactly What You Need to Pass article breaks down the 105-of-150 threshold in more depth.
Practicing under realistic, timed conditions before test day is one of the most reliable ways to build comfort with the 150-minute limit. You can run full-length timed sets on the main practice test platform to simulate the pacing and question style you'll actually face at a PSI center, and revisit weak domains directly afterward using the score breakdown rather than re-studying everything equally.
Frequently Asked Questions
Difficulty depends heavily on how well your prep matches the domain weights - Auto Insurance, Homeowners, and P&C Basics carry the most questions. A closer look at difficulty factors is available in How Hard Is the NE-PC Exam? Complete Difficulty Guide 2026.
No. Nebraska has no mandatory prelicensing education requirement, so candidates can prepare through self-study, a course of their choosing, or employer-provided training.
There are 150 scored multiple-choice questions (plus up to 10 unscored experimental items) with 150 minutes to complete the exam.
Nebraska requires the $50 license application to be submitted within one year of passing the exam. Waiting beyond that window can require retaking the exam.
Only until the transition date. Effective March 16, 2026, Nebraska exams move exclusively to physical PSI testing centers, with no calculators or reference materials permitted.
NE-PC is a well-defined, single-exam gateway into Nebraska's property and casualty insurance market - 150 questions, 150 minutes, and a 70% bar to clear. Understanding its exact domain weights and registration mechanics, rather than treating it like a generic licensing test, is what separates efficient prep from wasted study hours.