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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


Prelicensing Education Hour Requirements

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

Exam Provider: Kentucky Department of Insurance

  • For licensing and exam information go to the Kentucky Department of Insurance website at
  • To schedule an examination online, go to the Kentucky Department of Insurance website and click on “eServices” in the upper right-hand corner. This will allow you to set up the necessary account for exam scheduling.
  • Must apply for 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

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 hand corner of your page so that you can verify the time spent in the course is being tracked.
  • Forced progression: This requires the user 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 associate).

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 and/or 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
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:

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.