Presented is a pre-filming fuel nozzle that is readily manufacturable and consists of a fuel injector, a nozzle insert that fits over the fuel injector outlet, and a housing that generally encloses the fuel injector and nozzle insert. The housing has an atomizing lip, a fuel inlet passage, and an air passage. The nozzle insert has openings near the fuel injector that allows air to flow into the insert. During operation, the fuel injector impinges fuel on an inner surface of the insert and is pulled towards the atomizing lip from air flow through the insert. The air flow through the insert and air flow through the housing join at the atomizing lip, resulting in air flows shearing fuel droplets off of the atomizing lip. The nozzle may have swirler means such as a swirler fin and/or swirler passages on the insert to aid in swirling the air flow.