Kentucky Insurance Continuing Education (CE) Courses

Kentucky requires 24 hours of continuing education (CE) every 2 years to maintain an active insurance producer license. Of those 24 hours, 3 must specifically cover ethics and professional conduct — this is a mandatory component, not optional. All CE must be completed through a Kentucky Department of Insurance-approved provider before your license renewal deadline. JustInsurance is an approved provider and offers a complete 24-hour CE package for $39, including the required ethics hours.

JustInsurance offers a complete Kentucky CE package — covering all 24 required hours including the 3-hour ethics requirement — for $39. This is a flat-fee bundle with no per-course upsells or surprise charges. Individual CE courses are also available for agents who need only specific topics to round out their renewal hours. Every purchase includes immediate online access, self-paced completion, and automatic CE credit reporting to the Kentucky Department of Insurance on your behalf.

Yes. Kentucky approves online CE courses, and JustInsurance provides a full catalog of self-paced courses that meet all Kentucky Department of Insurance requirements. You can study on any device, pause and resume whenever you need to, and complete your 24-hour requirement in a single sitting or spread across multiple sessions. Once you finish each course, JustInsurance reports your completion electronically to the Kentucky Department of Insurance — you do not need to mail certificates or manually update your license record.

Your license cancels after the 2-month late window, and you must file a full re-application within 12 months or complete prelicensing and the exam again. Specifically in Kentucky: the grace period is 2-month late renewal window after expiration, the late fee is $40 (with active appointments) / $80 (without) within 2 months, and reinstatement runs After 2 months: full re-application + background check + standard fees with a window of 12 months via re-application; after 12 months full relicensing. A lapsed license also interrupts your commission flow and can trigger carrier appointment reviews. JustInsurance makes it easy to finish your hours well before your deadline — the entire $39 package can be completed in a single day if needed.

If your Kentucky insurance license has lapsed, you typically have 12 months via re-application; after 12 months full relicensing to reinstate it before you must re-apply as a new licensee. Reinstatement in Kentucky runs After 2 months: full re-application + background check + standard fees, and you must complete any outstanding CE hours from the lapsed period before the Kentucky Department of Insurance will process your reinstatement. The sooner you act, the simpler the process — waiting too long can mean retaking prelicensing education and the state exam from scratch. JustInsurance courses report electronically to the Kentucky Department of Insurance, so once your hours are complete your reinstatement moves fast.

Carry-forward policy in Kentucky: Yes — up to 12 hours may carry forward. Carry-forward rules matter if you finish your required hours early in the cycle — in some states, the extra hours apply to your next renewal period, while in others any excess is simply lost. Ethics hours often have separate, stricter carry-forward rules than general CE hours, so even if general hours roll over, you typically need a fresh ethics course each cycle. For the current official carry-forward policy, always verify with the Kentucky Department of Insurance, which is the authoritative source of truth for your CE account.

Yes. Kentucky mandates that 3 of your 24 required CE hours specifically cover ethics and professional conduct. This is not optional — you must satisfy the ethics component separately from general CE hours, and the Kentucky Department of Insurance tracks it independently. Failing to complete the ethics hours is treated the same as failing to complete your total CE requirement. JustInsurance's $39 CE package includes a fully approved 3-hour ethics course, so your entire renewal requirement is covered in one purchase.