Licensing requirements
Kentucky
Everything you need to get your insurance producer license in Kentucky — exams are run by Not identified.
Exam fee
$40.00
Application fee
$40.00
Fingerprints
$25.00
CE per renewal
24 hrs
Heads up
Table labels 70 as minimum correct despite 50 questions; verify percentage threshold.
Kentucky requires a state-approved prelicensing course (20 hours).
Agent Cloud is not a state-approved prelicensing course, so it won't meet that requirement. To meet it, we recommend XCEL Solutions. Use partner code Life2025 to get it for $50. You don't have to buy Agent Cloud. Many students add it for extra practice, plain-English lessons and the simulated exam.
Step by step
Your path to a license
- 1
Complete the Pre-licensing Course
- 2
Apply for your License
- 3
Schedule the Kentucky State Examination
- 4
Pass the State Exam
Pre-licensing education
Life: 20 hours; Accident & Health: 20 hours; Life, Accident and Health: 40 hours; Casualty Insurance: 20 hours; Property Insurance: 20 hours; Property and Casualty: 40 hours; Personal lines - 20 hours
Product training
LTC initial 8 hours; LTC refresher 4 hours; Annuity initial 4 hours; Flood initial 3 hours.
Only needed if you sell those products.
Heads up
Things people miss in Kentucky
#1 Application Before Exam
Candidates must submit the required license application and receive an Authorization to Test before scheduling the exam.
#2 Prelicensing Expiration
Certificates of completion for prelicensing courses are valid for 12 months.
Official sites
Direct links
Requirements change, and portal sites may add their own transaction fees. Always confirm with the Kentucky Department of Insurance before you apply.