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 PRE-LICENSING EDUCATION!


Are you a new agent candidate needing to study for your license exam?  We can help!  We offer materials for Self-study, but students historically will do better with a class!!  If your are interested in registering for Life and Health or Property and Casualty, either Self-study or Classroom education, click on the link below to get started!

 

 
Life and Health Pre-licensing*
 

  •      October 28, 29, 30, 2025
  •      December 16, 17, 18, 2025

Property and Casualty Pre-licensing*

  •      September 9, 10, 11, 2025
  •      October 14, 15, 16, 2025
  •      November 11, 12, 13, 2025
  •      December 9, 10, 11, 2025


NEW LOCATION!!

Scottsbluff-Gering, Nebraska 

Property and Casualty Pre-licensing*

Private Tutoring with

Katie Kochenower, CIC, CRM

Call for pricing and details!! 

 308-631-4999
 

 


Pricing
 

Life and Health Classroom  $209.95

+Life ONLY Classroom  $164.95

+Health ONLY Classroom  $164.95

Independent Study for Life/Health, Life, or Health  $135.00

Property and Casualty Classroom  $209.95

+Personal Lines ONLY Classroom  $164.95

Independent Study for Property and Casualty, or Personal Lines  $135.00

Do you need your Life, Health, or Property/Casualty Consultant License in Nebraska?  Need to brush up before your exam?  Register for Independent Study or Classroom learning for what you need above.  We use the same study materials.  What's different?  The Consultant Exam outlines cover the same subject matter but with different emphasis.  Sign up TODAY!           

NOTE:  To be eligible to obtain your Consultant License in Nebraska, you must be an Insurance Producer in the same line for at least three years, orhave earned certain industry designations if you have been licensed as aproducer for less than three years!  Call for details!!

+ All Pre-licensing classes are three day in length except Life ONLY, Health ONLY, and Personal Lines ONLY which are two day classes.  Life ONLY and Personal Lines ONLY are the first and second days of a scheduled Life and Health or Property and Casualty class.  Health ONLY is the first and third days of a scheduled Life and Health class.

Please add 7.25% sales tax to independent study orders!  We accept Master Card, VISA, and personal checks.  $25.00 charge for all returned checks.  Once tuition is paid, your materials will either be mailed or you may pick them up at our offices.  It is your responsibility to report for your scheduled class.  If you notify us of your inability to attend PRIOR to class, we will be happy to reschedule you for another class.  Refunds are available ONLY if the seal on your materials is unbroken.  Please call with any other questions.


All classes are held in the classroom of Independent
 Insurance Agents of Nebraska,


 
Illness Policy
If you are suffering with an illness when you are scheduled to be in class, in the interest of staff and fellow students we ask you to consider postponing your involvement in class until you are no longer ill.  If you call us we will gladly reschedule you for another class.  We reserve the right to ask any student to leave class due to illness.
  
  
Throughout the year, weather can be unpredictable. While we are sensitive to your travel concerns, generally our policy is to hold classes as scheduled. With this in mind, you may wish to plan your arrival in Lincoln ahead of anticipated weather. If it is not possible for you to attend a class for which you have registered, we would be happy to reschedule you for another class in the future. Of course you are always welcome to call our office to verify the status of any upcoming class or for suggestions on lodging near class facilities. Thanks for your understanding!

CONTINUING EDUCATION!

 

Ready to take the next step?  Choose from our classes below!
Call 402-309-0027 or e-mail us at dteche@theessentialstep.com to register!! 

 

Disability Insurance in the Workplace

This course is designed to teach the agent the different sources of revenue available in a business to prepare and provide for the probability of disability.  The course will address how, outside of insurance products, funding is less than reliable.

Nebraska General - 3 Credit Hours

 

  •      To be announced!

 

 

Beyond the Contract - Life Insurance Riders and Provisions

The purpose of this class is to assist producers in understanding the value of life insurance beyond the basic contract which is all the prospect, and many agents, think about.  This class will teach the value beyond the the contract to the consumer, t0 the agent, and to the industry.

Nebraska General - 3 Credit Hours

 

  •      To be announced!

 

 

Social Security Update

This class is an overview of a much-maligned, univarsally misunderstood government program.  The purpose of the class is to bring advisors up to speed on the history of the Social Security System, where it stand today, and what is likely to happen in the future so advisors can better educate their clients and prospects when discussing financial needs and the subsequent needs for various insurance products.

Nebraska General - 3 Credit Hours

 

  •      January 26, 2026     9:00am

 

 

Individual Retirement Accounts

This course is intended to educate the student in the intricacies of Individual Retirement Accounts.  The study will not only cover the tax code related to and the historical background of IRA's, but it will also bring out the different types of IRS's and their uses.

Nebraska General - 3 Credit Hours

 

  •      November 17, 2025     9:00am

 

 

Equity Indexed Life Insurance and Annuities

This coure is an introduction to one of the newest product innovations since the advent of Variable Life Insurance and Annuities.  The course is an examination of the structure and uses of equity indexed products in relationship with and in camparison to more traditional annuity and life products.

Nebraska General - 3 Credit Hours

 

  •      September 29, 2025     1:00pm

 

 

Ethics and the Law for Financial Advisors

This class is designed to reacquaint the student with laws many have not studied since licensing.  The larger purpose, however, is to clearly distinguish between law and ethics.  They are different, yet inseparable as today's financial services professional adapts to a changing business environment.

Nebraska Ethics - 3 Credit Hours

 

  •      September 30, 2025     9:00am

 

 

Medicare and Supplemental Insurance

This course is designed to acquaint the student with the intracacies of senior health insurance choices which make up an ever changing landscape.  In today's era of more savvy consumers and suitability requirements, it is necessary to be fully versed on the options consumers are exposed to.

Nebraska General - 3 Credit Hours

 

  •      September 30, 2025     1:00pm

 

 

Estate Plannning Basics - Part I

Tis course is designed to give the student the most basic information necessary fo the process of Estate Planning.  It is a logical progression of information beginning with the need and ending with the simplest of Estate Planning ideas.

Nebraska General - 3 Credit Hours

 

  •      To be announced!

 

 

Estate Planning Basics - Part II

This course will help the financial advisor expand their knowledge in the area of Estate Planning.  It builds on the information found in Part I, adding critical concepts and tools for the advisor working in more complex Estate Planning situations.

Nebraska General - 3 Credit Hours

 

  •      To be announced!

 

 

Ethics in Motion

In society today, it is easy to point a finger at someone else and show what they should do to clean up their act, but not as easy to admit our own shortcomings.  This course is designed to encourage the student to do some self-examination and remember that any time we point a finger at someone, three are pointing back at us.  Rememberning that is a lot about leading by example, we will examine our motivations, our reactions to the pressures of life, and take the opportunity to right the wrongs of the world through a problem-solving exercise.

Nebraska Ethics - 3 Credit Hours

 

  •      To be announced!

 

 

The Mechanics of LTC Partnership Plans

This course is designed to give the student a broad review of Long Term Care services and the tools available to assist with the costs associated with that care.

Nebraska General - 3 Credit Hours

 

  •      To be announced!

 

 

Ethics ME (Millenium Edition)

This class is designed to help students define ethics in the new millenium.  This class will involve participants in discussion involving theory, current events, and the financial services industry.

Nebraska Ethics - 3 Credit Hours

 

  •      November 18, 2025     9:00am

 

 

Life Planning

In the age of regulatory scrutiy, now more than ever there is value in proper analysis and case preparation.  In this class we look at client motivations, need in a variety of situations, resources, and solutions using today's life insurance products.

Nebraska general - 3 Credit Hours

 

  •      September 29, 2025     9:00am
  •      January 27, 2026     1:00pm

 

 

Business Insurance Fundamentals

This course is an introduction to the uses of life and disability insurances in relationship to common business needs.  The course should foster discussion regarding  business structure, typicalneeds, tax ramifications, and practical solutions using contemporary life and disability insurance products.

Nebraska  General - 3 Credit Hours

 

  •      November 17, 2025     1:00pm

 

 

Health Care Reform

The purpose of this class is to heighten student awareness of and discuss issues related to health care reform, an ever-changing topic.  The intent is that students leave with a better understanding of the ramifications of proposals to reform our current health care system so as to better inform the health insurance consumer.

Nebraska General - 3 Credit Hours

 

  •      To be announced!

 

 

Analyzing the Possibility of Disability

This course is designed to teach basic disability and disability insurance concepts, highlighting misunderstood or previously unlearned material.  The intent is that the student will leave with a greater appreciation of this underserved risk area.

Nebraska General - 3 Credit Hours

 

  •      November 18, 2025     1:00pm

 

 

Health Savings Accounts

This course is designed to inform the student about the intracacies and viabilityof the HSA program.  In general, the complexity of medical insurance today can cause a producer to avoid proposing what they do not fully understand.  This class walks students through the history of medical insurance, the development of the MSA, and its metamorphosis into today's HSA, addressing its integral role in "Health Care Reform."  The course finishes with a case study asking the student to apply what they have learned.

Nebraka General - 3 Credit Hours

 

  •      To be announced!
 

 

 
 
Pricing

 
3 hours        $43.00
4 hours        $57.00
6 hours        $79.00
7 hours        $92.00
9 hours      $111.00
10 hours    $123.00
12 hours    $137.00
13 hours    $148.00
15 hours    $158.00
16 hours    $168.00
18 hours    $172.00
19 hours    $181.00
21 hours    $197.00
22 hours    $206.00
24 hours    $220.00
25 hours    $229.00


The Essential Step * 6355 S. 56th Street * Lincoln * Nebraska * 68516-3390 Phone: (402) 309-0027

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