How to Get a Life Insurance License in Kansas

Written by: Mary Gerardine

Last updated:

How to Get a Life Insurance License in Kansas

Getting your Kansas life insurance license is the first step toward becoming a life insurance agent in the state.

The Kansas Insurance Department (KID) requires you to complete a six-step process to become a life insurance agent in Kansas — from taking the life insurance exam to applying for a license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

How to Get Your Kansas Life Insurance License

  1. Complete a Kansas Life Insurance License Application (National Insurance Producer Registry (NIPR) – $30 application fee + $5.60 transaction fee)
  2. Get a Fingerprint-Based Background Check (Pearson VUE – $60)
  3. Apply for a Kansas Tax Clearance
  4. Complete a Kansas Insurance Pre-license Course (Kaplan Education Company – $149+)
  5. Take the Kansas Life Insurance Licensing Exam (Pearson VUE – $57)
  6. Watch for Your Application Results

Life Insurance License Kansas

Obtaining your Kansas life insurance license isn’t difficult. Just follow these six steps to start your journey toward becoming a life insurance agent. Once you earn this license, check out our guide on how to get your Kansas property and casualty (P&C) license as well.

Step 1: Complete a Kansas Life Insurance License Application

The first step in getting your life insurance license in Kansas is to submit the application.

The application fee is $30, and the NIPR will charge a $5.60 transaction fee for a total of $35.60. You also must pay $60 for a background check and fingerprinting along with your application fee.

KID will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing application requirements and fees. 

To apply for a life insurance license in Kansas, make sure you comply with the insurance licensing requirements as defined under the Kansas Insurance Code

Send any questions to licensing@ksinsurance.org.

Step 2: Get a Fingerprint-Based Background Check

When you apply for a life insurance license in Kansas, you also must get fingerprinted and submit to a criminal history background check from Pearson VUE.

Pearson VUE offers digital fingerprinting to all resident candidates at the following test centers: Overland Park, Topeka, and Wichita. The service, however, is not available at the testing site in Hays. Make a fingerprint reservation at Pearson VUE or call them at (888) 204-6255. 

To begin the process, you must electronically submit a Waiver Agreement and FBI Privacy Act Statement (Fingerprint Waiver Form) via Pearson VUE to the Kansas Insurance Department. Fingerprint Waiver Forms submitted to the Department in paper form are not accepted anymore. The fingerprint-based background check fee is $60, which you should already have paid along with your application fee.

Your fingerprints will then be sent electronically to the Kansas Bureau of Investigation (KBI).

Note

The Kansas Insurance Department won’t process your fingerprinting and criminal background check until you submit your license application and pay the fees.

Step 3: Apply for a Kansas Tax Clearance

The Kansas Department of Revenue requires life insurance license applicants to submit a tax clearance to the Kansas Insurance Department when they submit their license application. 

Apply for a certificate of tax clearance by visiting the Kansas Department of Revenue page. Click the tab to “Submit Request,” then fill out the request form.

Once you submit the form, you will receive a confirmation email containing a link that lets you check the status of your tax clearance within 24 hours after submission. 

If tax clearance is approved, download and save a copy of the tax clearance for your records. You must email your certificate of tax clearance to the Kansas Insurance Department at KID.Licensing@ks.gov with “Tax Clearance” in the subject line.

The Kansas Department of Insurance won’t process your license application until it receives your tax clearance. A tax clearance is valid for the period stated on the certificate of clearance you receive.

For additional information on tax clearances, visit the Kansas Department of Revenue’s Tax Clearance Request Information page.

Step 4: Complete a Kansas Insurance Pre-license Course

After you submit your license application and fingerprints, you need to study for your upcoming licensing exam. 

Before you take the Kansas life insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

While Kansas doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Others purchase books or self-study materials to prepare themselves for the exam.

A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered “common sense.” Pre-license education courses are self-paced and include study materials like practice exams and flashcards.

Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.

Recommended

Doing a pre-licensing education course dramatically increases your chance of passing your exam on your first attempt, which can end up saving you both time and money in the long run. For pre-licensing education, StateRequirement recommends:

4.7 out of 5 starsKaplan Education Company

Step 5: Take the Kansas Life Insurance Licensing Exam

After you complete a prep course and your own independent studying, it’s time to take the Kansas life insurance exam.

Kansas uses Pearson VUE as its official testing service for delivering licensure exams.

The Kansas life insurance exam outline contains a total of 84 scored questions that cover six sections: 

  1. Types of Policies
  2. Policy Riders, Provisions, Options, and Exclusions
  3. Completing the Application, Underwriting, and Delivering the Policy
  4. Taxes, Retirement, and Other Insurance Concepts
  5. Kansas Statutes, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance
  6. Kansas Statutes, Rules, and Regulations Pertinent to Life Insurance Only

You’ll have 90 minutes to complete the exam. The Kansas life insurance exam fee is $57, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

If you happen to fail the Kansas life insurance exam, you must wait at least 24 hours before scheduling a time to retake the exam. You also must wait at least seven calendar days between exam attempts, but you may take it as many times as needed.

Tip

Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

The best way to understand if you are prepared for the test is to take a Life Insurance Practice Exam.

Step 6: Watch for Your Application Results

After you complete the previous five steps, the Kansas Insurance Department’s Producer Licensing Division will review your application and background check. It reviews filings in the order it receives them, and this process usually takes three to five business days from the date you submit your application.

Once your application review is complete, the Kansas Insurance Department will email you with its decision or ask you to provide more information.

You can print your license from the Producer Desktop page before Jan. 1, 2022. After Jan. 1, 2022, you may print your license via the NIPR website. There’s no charge to create an account or print a license. You also can check the status of your license application via Kansas’ Application Status tool. You must comply with all licensing requirements within one year of the date of your application.

Congratulations!

You’re now ready to get started as a life insurance agent in Kansas.

Steps After Securing Your Kansas Life Insurance License

Once you complete the above steps and have your Kansas life insurance license, there are a few steps you’ll need to take in order to a) excel as an insurance agent, and b) maintain your life insurance license.

Let’s take a brief look at these below.

Obtain All Relevant Securities Licenses

If you’re planning on selling advanced life insurance products, you’ll likely need to pass the Securities Industry Essentials (SIE) exam and obtain the relevant securities licenses (e.g., Series 6, 7, and 63).

For more information on this step, you can have a look at our in-depth Securities Licensing overview.

Choose a Means of Selling

You’ll have to decide whether you’d prefer working as a captive agent employed by one company, or running your own business as an independent agent.

If you’re just starting out, you’ll likely benefit from working as a captive agent, but this will ultimately depend on your personal aspirations and opportunities.

Develop Your Marketing Approach

To succeed as an insurance agent, you’ll need to adopt a marketing approach that’s effective for you.

We recommend finding and sticking to a niche, as well organizing all client appointments for the start of your week. This is because this can improve your overall client conversions.

Complete Certification Requirements

Kansas requires insurance producers to maintain an accurate record of the insurance companies who have certified them.

Once you receive your insurance producer license, you will need to advise each company/insurer you want to represent and request certification. Insurance companies are required to submit an appointment for each producer they certify. An appointment authorizes you to act as an agent on behalf of an insurance company/insurer.

The company will pay the certification and appointment fees (certification fee is $2). The insurance company will submit individual appointments through NIPR. NIPR will collect the appointment fee and a small processing fee for the State of Kansas at the time the appointment transaction is submitted.

Keep Your License Valid

You must take 18 hours of continuing education (CE) for a life line of authority (of which three hours must focus on ethics) in order to renew your insurance license in Kansas.

Keep in mind that you won’t be able to renew your license until you complete your continuing education hours and pay any outstanding fines.

To avoid delays in renewing your license, you must complete your required CE hours at least 90 days before your license expires. The renewal fee is $90. 

Note: You must report your CE credits and submit your renewal application via the NIPR Renewal website.

For a more in-depth look at each one of these steps, check out our Steps After Getting Your Insurance License guide.

Kansas Insurance Department Contact Information

Mailing Address

Kansas Insurance Department
1300 SW Arrowhead Rd.
Topeka, Kansas 66604

Phone: 785-296-7862

Email: kid.licensing@ks.gov 

Website: https://insurance.kansas.gov/ 

License Search: Kansas Insurance License Lookup

Kansas Life Insurance License FAQ

How much does it cost to get a life insurance license in Kansas?

Obtaining a life insurance license in Kansas requires these fees: 
Application Fee: (National Insurance Producer Registry (NIPR) – $30 application fee + $5.60 transaction fee)
Fingerprint-Based Background Check Fee: $60 via the Pearson VUE
Insurance Pre-license Education Course Fee: $149+ via Kaplan Education Company
Exam Fee: $57 via Pearson VUE

How long does it take to process a life insurance license application in Kansas?

This process typically takes three to five business days. You’ll receive an email once the Kansas Insurance Department’s Producer Licensing Division reviews your application.

Can I get a temporary life insurance agent license in Kansas?

No. Kansas doesn’t issue a temporary life insurance license at this time.

Can I get an emergency life insurance agent license in Kansas?

No. An emergency license isn’t available for life insurance agents in Kansas.

Do I need to get my securities license on top of a life insurance license in Kansas?

Probably. While you can sell certain basic life insurance products with just a life insurance license, a securities license removes the limits on what you can sell and puts you in a much better career position. As a securities license holder, you can provide your clients with products tied to the securities market as part of their retirement and life insurance plans. But, you’ll need FINRA accreditation to obtain your securities license.

What can I sell with a life insurance license in Kansas?

With a Kansas life insurance license, you can sell life insurance policies that pay a designated beneficiary when the insured person dies. You also can sell annuities that pay a set income at retirement.

How much can you make with a life insurance license in Kansas?

According to ZipRecruiter, life insurance agents earn an average of $79,730 per year.

What are the limitations of a Kansas life insurance license?

Unless you have multiple licenses to sell various types of insurance products (e.g., the combined life and health insurance license), having a Kansas life insurance license only qualifies you to sell life insurance policies as well as retirement plans and annuities. You can’t sell other types of insurance. A securities license on top of your life insurance license removes that limitation and enables you to offer securities, including stocks and bonds.

Can I cancel my life insurance license in Kansas?

Yes. To cancel your license, you must submit a written request with your name and national producer number (NPN) directly to the Kansas Insurance Department.

How hard is it to get a life insurance license in Kansas?

The process is quite simple! Follow the steps above and get started today!

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