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 insurance.ky.gov. 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
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 insurance.ky.gov.
- 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 https://insurance.ky.gov/eservices/default.aspx.
Acceptable Methods of Education
- Self-study (Proctor requirements explained in “Online Course Requirements” below)
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
Disclosure for states that require an Adjuster licensing exam and license:
All insurance adjusters in Kentucky are required to be licensed. Because of its industry recognition and credibility, earning the Texas DHS Adjuster license is accepted as authorization to adjust in Kentucky and other states that recognize it.
The Texas P/C Adjuster license is highly respected in the industry and is available to individuals who want to designate Texas as their home state. This means you can qualify for the Texas P/C adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement.
Kaplan’s Texas P/C Adjuster licensing course and exam is ideal for an adjuster seeking an adjuster license under the DHS concept. The course contains the actual state licensing exam for the Texas P/C Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas Property/Casualty Adjuster License using the procedures found on the Texas State Requirements page. This will qualify you to adjust in both your home state and numerous other states that accept the Texas DHS Adjuster license, including AL, CT, DE, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, OK, RI, UT, VT, WA, WV, and WY.
Additionally, earning the Texas DHS Adjuster license enables you to adjust with enhanced credibility and industry expertise in CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, PA, NJ, OH, SD, TN, VA, and WI.
Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.