Get A Life Insurance License: Kentucky Requirements Guide

If you're looking to become a life insurance broker in Kentucky, you'll need to get a license. Here's a step-by-step guide to help you get started on your career path. To obtain a Kentucky life insurance license, you must complete a few essential steps, including deciding on the type of insurance license, completing a pre-licensing education course, applying for a criminal background check, submitting your insurance license application, and passing the relevant Kentucky insurance license exam.

Complete a pre-licensing course

To get a life insurance license in Kentucky, you must complete a pre-licensing course. This is a requirement in the state of Kentucky for anyone seeking an insurance license. The pre-licensing course will provide you with the fundamental knowledge you need to pass the state licensing exam and start selling life insurance products in Kentucky.

There are a variety of pre-licensing course options available, including online self-study courses, virtual seminars, and in-person seminars. These courses are designed to prepare you for the Kentucky life insurance exam and ensure that you meet the state's pre-licensing requirements.

When choosing a pre-licensing course, look for one that covers all the topics included in the exam. The course should also provide practice questions that simulate real test questions, helping you become familiar with the exam format. Some courses may even offer exam simulators, flashcards, and other study tools to enhance your preparation.

It is important to select a course that is state-approved by the Kentucky Department of Insurance. This approval ensures that the course satisfies the state's pre-licensing requirements and adequately prepares you for the licensing exam.

The duration of the pre-licensing course will depend on whether you are seeking a life insurance license, a health insurance license, or a combined license. For each line of authority, Kentucky requires 20 hours of pre-licensing education. Therefore, if you are seeking a license for both life and health insurance, you will need to complete 40 hours of pre-licensing education.

During the course, you will need to demonstrate your knowledge by meeting certain requirements. This may include scoring 70% or higher on chapter quizzes and passing a certification exam. Upon successful completion of the course, you will receive a certificate of completion, which is valid for one year. This certificate is a requirement to sit for the Kentucky life insurance licensing exam.

Apply for a criminal background report

To apply for a criminal background report in Kentucky, you must use the Kentucky Court of Justice AOC FastCheck system.

First, select "Register" and fill out the form. You will then receive a verification email. Once you have verified your email address, log in to the AOC FastCheck system.

Next, select "Create New Record Request". Under "Category", choose "Licensing", under "Group", choose "Dept. of Insurance (DOI)", and under "Reason", choose "Licensing". Complete the form with your information, then select "Add To Batch" and "Submit Request". Follow any further instructions provided.

The fee for the background check is $25. The AOC criminal background report is valid for 60 days.

Submit an insurance license application

Once you have completed your pre-licensing education, you will need to submit your insurance license application. To do this, visit the National Insurance Producer Registry website and submit your application. This process incurs a fee of $40 per line of authority for which you are applying. Remember to double-check all the information for accuracy and completeness before submitting your application. Incomplete or inaccurate applications can lead to serious delays in the licensing process.

After submitting your application, you will need to wait for it to be processed. This typically takes around three to five days. Once your application has been processed, you will receive a notification, and you can then schedule your state licensing exam.

Pass the relevant Kentucky insurance license exam

To pass the relevant Kentucky insurance license exam, you must complete a prelicensing course before taking the state licensing exam. This is a requirement in the state of Kentucky.

Prelicensing courses are available through Kaplan Financial Education and ExamFX, and they cover the content that will be on the Kentucky licensing exams. These courses are designed to prepare you to pass the exam on your first attempt.

The prelicensing education hour requirements for Kentucky are as follows:

• Personal Lines: 20 hours
• Adjuster: No prelicensing education requirement

Exemptions to the prelicensing education requirements are given to applicants who hold one or more of the following designations, certifications, or degrees:

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

After completing the required prelicensing course, you must register for the state licensing exam. This registration must be completed through your eServices account after the Department of Insurance processes your application. There is an examination fee, but this does not include NIPR fees.

Kentucky does not offer remote testing, so you must appear in person for your exam. On the day of your appointment, you must bring a valid form of government-issued identification (driver's license, passport, military ID, etc.) and your Certificate of Completion.

The Kentucky Life Insurance exam consists of 50 questions to be answered within 1 hour, with a passing score of 70%.

Plan for continuing education

To get a life insurance license in Kentucky, you must complete 20 hours of pre-licensing education. However, to keep your license, you will need to continue your education by completing 24 credit hours within each two-year CE period. This includes at least three credit hours from an approved ethics course and at least six credit hours related to the line of authority for which you are licensed.

Both ethics credit hours and line-of-authority credit hours count towards the 24-hour total requirement. If you hold multiple licenses that require CE, your credit hours will apply to both. You can obtain your credits through a Kentucky-approved independent or insurer provider, or through classroom study or correspondence/self-study.

If you have completed courses in another state, these may count towards your Kentucky CE credits. To do so, the course provider must file the credits with the state of Kentucky using the NAIC Uniform Continuing Education Reciprocal Course approval application.

Up to 12 CE credit hours can be carried over from one CE period to the next. However, they will always carry over as general hours, regardless of the original course content. This means that specific requirements, such as ethics hours or hours for a specific line of authority, will not count towards those requirements if carried over into a subsequent CE period.

The licensing period for Kentucky producers is two years. The CE period begins on the first day of the month following the producer's birth month and expires on the last day of the producer's birth month two years later. Renewal years are based on the producer's birth year, meaning producers born in an odd-numbered year will renew on the next odd-numbered year following their original licensure and every odd-numbered year after that. Producers born in an even-numbered year renew every even-numbered year.

At least 30 days before the renewal date, the Kentucky Department of Insurance will provide a list of the licenses to be renewed. All CE courses must be completed before the license expiration date.

Frequently asked questions