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
Licensing Division
500 Mero Street, 211SE
Frankfort, KY 40601
P.O. Box 517
Frankfort, KY 40602-0517
Phone: 502-564-6004
Fax: 502-564-6030
Website: insurance.ky.gov
Email: DOI.LicensingMail@ky.gov
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
- Adjuster: No Prelicensing Education Requirement
Acceptable Methods of Education
- Classroom
- Self-study
- 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.
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
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.
If you hold a resident adjuster license in another state, you may apply for a non-resident adjuster license through www.nipr.com. Select non-resident adjuster initial application from the menu, enter your resident state and license number, and complete the application.
If your home state does not issue an adjuster license, and you have passed a state-administered adjuster examination in a state other than your home state, you may apply in Kentucky as a non-resident adjuster through www.nipr.com, select non-resident adjuster initial application, and enter the designated home state and license number to complete.
If you have not passed a state-administered adjuster examination, you must apply in Kentucky as a resident adjuster, or designated home state adjuster, and pass our examination. Electronic application must be completed at www.nipr.com There will be a $50 exam fee added to the transaction.
Background checks are required for an applicant who resides in Kentucky. Apply for criminal background report online at http://kcoj.kycourts.net/PublicMenu/Default.aspx?header=AOC+FastCheck. Refer to question #1 for more details.
Available adjuster licenses are – If you are unsure of the type of adjuster license you need, please contact Agent Licensing BEFORE applying. Fees are non-refundable.
- Independent adjuster – an independent contractor, or employee of an independent contractor who investigates, negotiates, or settles claims for insurers or self-insurers.
- Staff Adjuster – an individual who is an employee of an insurer who investigates, negotiates, or settles claims on behalf of the insurer employer.
- Public Adjuster – a person who acts on behalf of an insured, through a contract, directly or indirectly solicits business, investigates, or adjusts losses, advises an insured about first-property insurance claims for losses or damages of the insured.
Frequently Asked Questions About Getting Licensed in Kentucky
What are the requirements for Kentucky residents?
Complete 20 hours of pre-licensing training for each major line of authority. Upon completion of the courses, the Provider should report the completion electronically to DOI. However, it is the responsibility of the applicant to ensure the Department has the Certificate of Completion on file. If required, the applicant may fax, email, or upload through eServices, their signed and dated, Certificate of Completion, Form CPL-01, to Agent Licensing.
- Apply for Criminal Background Report online through the KY Administrative Office of the Courts (AOC) at https://kycourts.gov/aoc/criminalrecordreports/Pages/default.aspx. Fees are paid online, and are not refundable.
- All AOC requests are typically processed within 24 hours (except for weekends and state-approved holidays.)
- Select “One-Time Request” - lets you place a single order and receive the report by U.S. mail. You may submit the report directly to DOI at DOI.AgentLicensingMail@ky.gov;
OR, - Select AOCFastCheck - lets you order criminal record reports and retrieve the results online when your request has been processed.
- If you are a first-time user, select Register to create account. You will receive an e-mail to verify your e-mail address. If you have an account, click Login to access your account.
- Select “One-Time Request” - lets you place a single order and receive the report by U.S. mail. You may submit the report directly to DOI at DOI.AgentLicensingMail@ky.gov;
- After logging into account, select AOCFastCheck from the Main Menu. This will take the user to the Request History page. Next, click on Create New Record Request. From there, you will be taken to the Record Request page. Under Category, select Licensing; under Group, select Dept of Insurance (DOI); under Reason, select Licensing. Follow the directions to complete your request to ensure the Department of Insurance receives a copy of your report. The non-refundable fee is payable by credit card or electronic check.
- Record results are not e-mailed to DOI or the user. All results for requests submitted online are housed on the Kentucky Court of Justice Website. Both DOI and the user will retrieve their results from this site. The user will receive an e-mail notification, upon completion of the record request transaction. The e-mail will contain a link to the KCOJ website to retrieve the report.
- You may submit the report directly to DOI at DOI.AgentLicensingMail@ky.gov.
The AOC criminal background report is valid for 60 days. New applications require a new background report.
- Complete and submit electronic application through www.nipr.com. Select apply for a license, and follow instructions. Licensing fees may be paid by credit card or electronic check and are non-refundable once the transaction is submitted.
Once we have received and processed all requested information, you may track the status of the application and schedule your examination through a secure eServices account. https://insurance.ky.gov/doieservices/UserRole.aspx. To set up a new account, click on First Time Here, Create eServices Account, complete the requested information, and click Submit.
What are the requirements for Kentucky non-residents?
You must hold the same class of license and line of authority in your home state.
- Apply as non-resident initial license applicant at www.nipr.com.
- Non-resident agents are not required to file continuing education in Kentucky, but must comply with resident state requirements.
Please note: If you are applying for an agent (producer) license, please do not select consultant or managing general agent on the application. You must hold a consultant or managing general agent license in your resident state to apply for this license.
Does the DOI review criminal history prior to application submission?
No. The DOI has no authority to review information prior to the submission of the application and will not make any approvals or denials without following the proper application process. Each record is reviewed and processed on a case-by-case basis once the application and all supporting documentation is submitted for processing.
2. Pass Your Kentucky Licensing Exam
3. Apply for Kentucky Insurance License
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.
Notice
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.