Kentucky Insurance Prelicensing Courses

Kentucky requires the following prelicensing education hours before you can sit for the state exam: Life Insurance: 20 hours; Health Insurance: 20 hours; Life & Health (combined): 40 hours. These hours must be completed through a Kentucky Department of Insurance-approved provider. JustInsurance is an approved provider and our courses are certified to meet Kentucky's exact hour requirements for each line of authority.

Yes. Kentucky approves online, self-paced prelicensing education, and that is exactly what JustInsurance provides. You can study on any device — laptop, tablet, or phone — from anywhere with an internet connection. There are no scheduled live sessions or fixed class times. Your enrollment gives you 30 days of full course access, and most students complete the material in just 5–10 days. Once you finish, you receive a state-recognized certificate of completion immediately through the platform.

The Kentucky prelicensing curriculum is organized around the specific lines of authority you plan to obtain. Life Insurance courses cover term life, whole life, universal life, variable products, annuities, policy provisions and riders, beneficiary designations, and underwriting basics. Health Insurance courses cover major medical, disability income, long-term care, Medicare Supplement, Medicaid, and group health. Both tracks include Kentucky-specific insurance statutes and regulations, producer ethics, the Unfair Trade Practices Act, and state-mandated consumer protections. The combined Life & Health course covers all of the above in a single enrollment.

Yes. Kentucky requires proof of course completion before you can register for the state licensing exam through Pearson VUE. You must finish your approved prelicensing course, receive your certificate of completion, and submit it when scheduling your exam. You cannot sit for the Kentucky exam without first satisfying the prelicensing hour requirement.

JustInsurance offers the following Kentucky prelicensing courses: Life Insurance at $199, Health Insurance at $199, and the combined Life & Health package at $199. Buying the combined course saves you $199 versus purchasing both individually. Every course includes all required hour content, chapter quizzes, a full-length practice exam, and your official certificate of completion — no hidden fees, no required add-ons. Your 30-day access window starts the moment you enroll.