Life insurance by state · NE
Life insurance in Nebraska
What Nebraska law gives you, which carriers quote in Nebraska, and how to get covered — from an independent agency licensed in Nebraska.
The short answer
Nebraska residents can choose from 11 final expense and 15 term life carriers we work with that quote in Nebraska. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Nebraska
| Regulator | Nebraska Department of Insurance |
|---|---|
| Free-look period | Typically at least 10 days · 30 days for replacement policies (210 Neb. Admin. Code ch. 19, § 009.01D) |
| Guaranty association | Nebraska Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | No |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: yes — Nebraska's county inheritance tax reaches life insurance only when the proceeds are payable to the executor/administrator, i.e. the estate (Neb. Rev. Stat. § 77-2001); proceeds paid to a trustee are exempt unless the estate is the trust's beneficiary (§ 77-2002(3)). Proceeds paid directly to a named beneficiary are therefore outside the tax. Rates for deaths on/after 1/1/2023: 1% over $100,000 for close relatives, 11% over $40,000 for remote relatives, 15% over $25,000 for others; spouses and heirs under 22 are exempt. |
Good to know in Nebraska
- Under Neb. Rev. Stat. § 44-3,143, if a beneficiary elects a lump sum and a life insurer does not pay within 30 days after receiving proof of death of a Nebraska resident, the insurer owes interest from the date proof of death was received until payment, at the rate set under § 45-103. Source
- Nebraska's Burial Pre-Need Sale Act (Neb. Rev. Stat. §§ 12-1101 to 12-1121), administered by the Director of Insurance, requires a pre-need seller to deposit a buyer's payments with a trustee within 60 days of receipt (§ 12-1103). Source
Carriers we work with that quote in Nebraska
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Nebraska results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Nebraska
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Nebraska carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Nebraska. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Nebraska — FAQ
How long is the free-look period for life insurance in Nebraska?
New individual life insurance policies sold in Nebraska typically give you at least 10 days to review the policy and cancel for a full refund (30 days for replacement policies (210 Neb. Admin. Code ch. 19, § 009.01D)). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Nebraska?
The Nebraska Life & Health Insurance Guaranty Association protects Nebraska residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Nebraska?
The Nebraska Department of Insurance. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Nebraska by phone?
Yes. United Eagles Financial is licensed for life insurance in Nebraska; most applications are done by phone or video with an electronic signature.