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Kentucky Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for insurance licensing in the state of Kentucky. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Kentucky Department of Insurance website at  Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

Kentucky Department of Insurance

Agent Licensing Division
215 W. Main St.  
Frankfort, KY 40601

P.O. Box 517
Frankfort, KY 40602-0517

Phone: 502-564-6004
Fax: 800-595-6053

How to Get Your Kentucky Insurance License

1. Complete an Insurance Prelicensing Course

Kentucky requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

Prelicensing Education Hour Requirements

  • Life: 20 Hours
  • Health: 20 Hours
  • Property: 20 Hours
  • Casualty: 20 Hours
  • Personal Lines: 20 Hours

Acceptable Methods of Education

  • Classroom
  • Self-study (Proctor requirements explained in “Online Course Requirements” below)
  • Online

Online Course Requirements

  • Time Tracking: Kentucky requires that your online study time be tracked. In order to successfully complete the course, you must complete the required number of hours while studying in the Course Contents Units of the online course. Your online course tracker will be displayed in the upper right corner of your page so that you can verify the time spent in the course is being tracked.
  • Forced Progression: This requires you to successfully complete each page of the online course before being allowed to proceed to the next.
  • Proctor: In order for a certificate of completion to be earned and issued, the certification exam for self-study courses must be monitored by a disinterested third party (someone other than a relative, friend, or business association).

Prelicensing Education Exemptions

Applicants who hold one or more of the following designations, certifications, or degree do not have to satisfy the prelicensing education requirements for the indicated line of authority:

  • Life: CLU®, CEBS, ChFC®, CFP®, FLMI, CIC
  • Health: RHU, CEBS, REBC, HIA, CIC
  • Property, Casualty, and Personal Lines: CPCU®, CIC, AAI, ARM
  • All Lines: An insurance degree from an accredited college or university

Adjuster License Requirements

Disclosure for states that require an Adjuster licensing exam and license:

All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license.

2. Pass Your Kentucky Licensing Exam

After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Kentucky licensing exams, so you will be prepared to pass the first time.

Certificate of Completion Requirements

  • Applicants submit their certification of completion with their license application.
  • Certificates of Prelicensing Course Completion are valid for one year from the course completion date.

Exam Provider: Kentucky Department of Insurance

  • For licensing and exam information, applicants should go to the Kentucky Department of Insurance website at
  • To schedule an examination online, applicants should go to the Kentucky Department of Insurance website and click on “eServices” in the upper right corner. This will allow applicants to set up the necessary account for exam scheduling.
  • Applicants must apply for their license prior to sitting for state exam.
  • There is no limit for the number of times an applicant may retake an examination.
  • The insurance application remains valid for 120 days, and upon payment of an examination retake fee, the applicant may reschedule and complete an examination an unlimited number of times within the 120-day period.
  • Insurance applicants may monitor their status, and schedule / reschedule examinations through the Kentucky Department of Insurance at

Registering for the Exam

All applicants must have a scheduled appointment to sit for examination(s); walk-ins are not accepted. 

You can only schedule an examination via obtaining an eServices account after the Department processes your application. If you have never registered for secure access, please click the "First time here" link.  

  • Any applicant who fails to report for a scheduled appointment may forfeit the $50 fee for examination.
  • Arrive 10 minutes before your scheduled time. If you fail to arrive by your scheduled test time, you may forfeit your placement at the testing site due to availability.
  • Government-issued photo ID must be provided in order to take any exam.
  • There is an examination fee of $50 for each scheduled retake of an examination.
  • Any changes to exam appointments should be made 24 hours prior to the scheduled time. Failure to give 24-hour notice of cancellation may result in the forfeiture of the $50 examination fee.

Schedule details are available by clicking the specific site: Frankfort, Ashland, Bowling Green, Elizabethtown, Florence, Henderson, Hager Hill, Lexington, London, Louisville, Madisonville, Maysville, Middlesboro, Owensboro, Paducah, Paintsville, and Somerset

Consultant Examinations are given in Frankfort only; each Monday, Tuesday, and Friday at 8:30 am.

All examinations are computerized and graded upon completion. Applicants who do not pass the examination may pay the $50 retake fee and reschedule another examination through eServices on the next business day. License certificates may only be printed from the licensees eServices account.

3. Apply for Kentucky Insurance License

Once you have passed your state licensing exam, you are ready to apply for an insurance license. You can apply online at

Kentucky requires that all insurance license applicants initiate a background check prior to licensing. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Kentucky Department of Insurance at (502) 564-6004 or email the License Department.  

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

4. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and get ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

Learn how to renew your Kentucky insurance license by clicking here.  



This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

Select a Line of Authority and Start Earning Your License Today:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in Kentucky.

Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Kentucky.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in Kentucky.


This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Kentucky.