Kentucky License Requirements
Kentucky Insurance License Requirements (2026)
Everything you need to know to get and keep your Kentucky insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Kentucky Insurance License Requirements at a Glance
Key facts for getting and maintaining your Kentucky insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Kentucky |
| Prelicensing Hours (Life) | 20 hours |
| Prelicensing Hours (Health) | 20 hours |
| Prelicensing Hours (Life & Health Combined) | 40 hours |
| Exam Provider | Kentucky DOI |
| Exam Fee | $50 |
| Passing Score | 70% |
| Application Fee | $40 |
| Background Check Cost | $25 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Kentucky licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Kentucky Insurance License
Follow these five steps to go from zero to licensed in Kentucky.
Complete Prelicensing Education
Kentucky requires you to complete 40 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse Kentucky Prelicensing Courses →Schedule and Pass the State Exam
The Kentucky insurance licensing exam is administered by Kentucky DOI. The exam fee is $50, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Kentucky DOI →Complete Fingerprinting
Fingerprinting required through kycourts.gov
Apply for Your License
Submit your application through NIPR, then schedule your exam through the Kentucky eServices Portal The application fee is $40. Processing typically takes 3-5 business days.
Apply for Your Kentucky License →Get Appointed and Start Selling
Once your Kentucky insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Kentucky Department of Insurance. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Kentucky Fingerprinting Requirements
Fingerprinting required through kycourts.gov
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Kentucky CE Renewal Requirements
To keep your Kentucky insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Kentucky licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
KDOI
Regulatory Body
Kentucky Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Kentucky.
Insurance Code
Kentucky Revised Statutes, Chapter 304 – Insurance CodeView Statute
Prelicensing Education
KRS 304.9-105; 806 KAR 9:025, Section 1(1)
Examination Requirements
Ky. Rev. Stat. 304.9-160
Age Requirements
KRS § 304.9-105(1)(a)
Background Check
806 KAR 9:025 Section 2(1)(c)
Fingerprinting
N/A — not required
License Application
KRS § 304.9-150
CE Requirements
Ky. Rev. Stat. 304.9-295
CE Ethics
KRS 304.9-295; 806 KAR 9:025
Administrative Code
Title 806 - Public Protection Cabinet, Department of InsuranceView Statute
Provider Regulation
806 Kentucky Administrative Regulation 9:025
Kentucky Insurance License Requirements — FAQs
How long does it take to get a Kentucky insurance license?
Most candidates complete the Kentucky insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Kentucky?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Kentucky?
Fingerprinting required through kycourts.gov
Can I transfer my insurance license from another state to Kentucky?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam or pre-licensing education is required.
How much does a Kentucky insurance license cost?
The total cost to get your Kentucky insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($50), the state application fee ($40), and the background check cost ($25). Individual costs vary based on the line of authority you choose.
What are the Kentucky CE requirements?
Kentucky requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Kentucky licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
How does Kentucky's insurance exam authorization process work?
Kentucky requires you to apply for your license through NIPR and receive an Authorization to Test from the Kentucky Department of Insurance before you can schedule your state exam with Pearson VUE. This application-before-exam requirement typically adds a few business days to the licensing timeline. Kentucky also requires fingerprinting, which is handled through the Kentucky Court of Justice system at kycourts.gov, rather than through a commercial vendor like IdentoGO.
What are the prelicensing hour requirements in Kentucky?
Kentucky requires 20 hours for Life, 20 hours for Health, and 40 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Ready to Get Your Kentucky Insurance License?
Start your state-approved prelicensing course today. 100% online, self-paced, and backed by our pass guarantee.
Start My Course Today