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AgentSync State Resources

Kentucky Insurance Licensing and Compliance Resources

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State License Division Information

Kentucky Department of Insurance
P.O. Box 517
Frankfort, Kentucky, 40602
Phone: (502) 564-6004
Fax: (502) 654-6030
Website: https://insurance.ky.gov

Non Resident Licensing Information: Department of Insurance Licensing Information

For Carriers in Kentucky

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FAQs

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, you must now take your Kentucky insurance pre-license education courses. The last step after completing all of your pre-licensure coursework, and submitting your application and background check, is to take the insurance exam. You will take one exam for each line of insurance you wish to carry.

Kentucky requires that all insurance license applicants initiate a background check prior to licensing. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

For more information, call the Kentucky Department of Insurance at (502) 564-6004 or email the License Department.

In Kentucky, the first step to get your insurance adjuster license is to apply and complete all your coursework, afterwhich you can take (and pass) the Kentucky Insurance Adjuster License exam. Depending on the lines of authority you wish to carry, you may need to take more than one exam. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about three to five (3-5) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation. You must also obtain and submit a bond in the penal sum of $1,000 executed by a Kentucky admitted surety, and signed by the principal.

In Kentucky, insurance licenses expire every two (2) years. The expiration will be on the last day of your birth month.

There is no requirement to take another exam from the state, but The State of Kentucky requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two-year renewal period. Three (3) of those hours must be in the subject of ethics.

If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours.

You may take your continuing education courses either in person in a classroom setting or online as a self-paced course. The online courses usually require a reading of the subject at hand, then a test at the end.

After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your Kentucky insurance license online by using the National Insurance Producer Registry online registration. AgentSync can also help with the renewal process.

The State of Kentucky encourages agents to renew their applications online, instead of using paper applications.

To renew your non-resident insurance license in Kentucky you must hold the same class of license and line of authority in your home state. Additionally, non-resident agents are not required to file continuing education in Kentucky but must comply with their resident state requirements. Apply as a non-resident initial license applicant via the National Insurance Producer Registry (NIPR). AgentSync can also help with the renewal process.

Kentucky Non-Resident Adjuster License renewal is required of all license-holders every two (2) years before the expiration date. Renewal deadline is the last day of the licensee’s birth-month in even-numbered years if born in an even year, or odd-numbered years if born in an odd year and may be submitted 6 months prior to the deadline.

There is an $50 fee to renew your Kentucky adjuster license. You can renew your license through NIPR.

For questions, contact the Kentucky Department of Insurance.

Kentucky adjuster license renewal is required of all license-holders every two (2) years before the expiration date. The expiration date of your license is set as the last day of your birth month.

The 24 hours must include at least 3 hours of Ethics. Your continuing education hours are completed by taking adjuster CE courses. These courses are generally held online and taken on a self-paced basis.

There is an $50 fee to renew your Kentucky adjuster license.

After you complete your renewal application, the Kentucky Insurance Department will email you once your license renewal has been approved or if you need to submit other documents.

*State specific rules and regulations can change. Please be sure to visit NIPR or the state’s website for the latest information.