If you’re getting near your Kentucky insurance license renewal date, keep your license active by taking your Kentucky insurance continuing education (CE) courses in advance of your expiration date.
This guide will provide you all the information you need to ensure you fulfill your KY insurance license renewal and insurance CE requirements on time.
|Kentucky Insurance License Renewal and CE Requirements|
|Expiration Time||Every 2 years|
|Required Continuing Education (CE)||24 credit hours|
|Renewal Cost||$0 per license (with active appointment) $40 per license (with no active appointment)+ CE course cost|
|Recommended CE Course||Kaplan Education Company|
Kentucky Insurance Continuing Education
In order to keep your Kentucky insurance license in good standing with the state, you will need to renew your license by completing your Kentucky Insurance CE requirements before your expiration date.
In Kentucky, insurance licenses expire every two years. The expiration will be on your date of birth, biennially, based on the anniversary of your original license year. This means that if you were licensed in an even-numbered year, your license will expire on your birthday in the next even-numbered year.
Kentucky Insurance Continuing Education Courses
Insurance CE comes in many forms. Most folks nowadays choose to take a self-paced course online, but you can also complete your credit hours by attending an in-person class or even a scheduled online webinar.
The most common method of continuing education today. These CE courses allow you to log in to an online platform any time of day to complete your credit hours. Most of these courses are a mixture of video and text combined with a knowledge exam at the end. Some platforms even allow you to take the course from your phone, which could be useful if you’re short on computer time.
This is how continuing education courses all began. Join your fellow insurance license holders for a live class taught by an industry professional. You may be able to find a “school” that provides all of your state’s required credits in a few full-day classes, or you might also take some shorter sessions to fill part of your requirements.
Scheduled Online Webinar
This is essentially the same as an in-person class, except you don’t have to travel away from your home or office. You will be taught by an instructor who will deliver the lesson at a specified time. Many webinars even allow you to interact with the instructor if you have specific questions.
For Kentucky insurance CE courses and credits, StateRequirement recommends:
Tip: Most courses certify completion by taking either a knowledge exam at the end or by counting attendance to all of the scheduled classes. If you want to save time, it’s best to go with a self-paced course. If you want no exam, try an in-person class or an online webinar.
Kentucky Insurance Continuing Education Requirements
The Kentucky Department of Insurance requires that all insurance producers and agents complete their continuing education requirements before their expiration date. In Kentucky, these requirements include:
- Twenty-four (24) total hours of Kentucky insurance continuing education every renewal period, which is two (2) years
- Three (3) of those hours must be in the subject of ethics
Once you completed the insurance CE course, your CE course provider will send a certificate of completion to the Kentucky Department of Insurance. Make sure to keep a printed copy of your certificate for your records.
It is recommended to complete all continuing education credits 30 days prior to the expiration date of the license. This will give the CE provider time to report the successful completion to the department of insurance. Your CE courses can be taken at any time within your license term.
Kentucky Insurance License Renewal
After you have completed your continuing education requirements, you may renew your Kentucky insurance license to keep it active.
Follow the steps below to complete your Kentucky insurance license renewal requirements ahead of your expiration date.
Step 1: Complete Kentucky Insurance License Continuing Education
Follow the steps above to complete your required 24 hours of CE.
Step 2: Apply for Kentucky Insurance License Renewal
According to the Kentucky Department of Insurance, you may renew your Kentucky insurance license by logging into NIPR. Choose the account where you signed up for during your Kentucky insurance license application:
NIPR charges $5.60 for processing. The Kentucky Department of Insurance provides no charge for processing, so it’s recommended to renew your license more than 30 days before your license expiration date.
Step 3: Pay the Kentucky Insurance License Renewal Fee
There is no fee to renew your license if you have an active appointment in Kentucky, although you may need to pay a processing fee through NIPR. If you do not have an active appointment in Kentucky, there is a fee of $40.00 to renew your license.
The Kentucky Department of Insurance encourages agents to renew their applications online, instead of using paper applications. Pay the renewal fees via NIPR by credit card, electronic check, or your chosen online payment system.
Once you complete the steps above before your expiration date, you can renew your license in Kentucky.
You’ve taken the steps you need to take and now your insurance license is good for another two years!
What Happens If My Insurance License Expires In Kentucky?
In Kentucky, the Kentucky Department of Insurance will send you via email a renewal notice within 90 days before your license expires. If you don’t renew your license on time, there will be a $40 late renewal fee for those with active appointment and $80 late renewal fee for those with no active appointment.
Kentucky doesn’t provide a continuing education “grace period” anymore (licensees used to have an extended 60 days to complete CE requirements). Not meeting your CE requirements prevents you from renewing your insurance license.
If your license expires for failing to meet CE requirements, you have up to one year from the date of expiration to complete your CE hours. You must apply for reinstatement of the license by applying for a new license at NIPR Resident Licensing.
Kentucky Insurance License Lookup
You can look up the status of your Kentucky insurance CE credits and Kentucky insurance license renewal by using these resources:
- View your current accrued CE credits using the Kentucky’s eServices site.
- Check your renewal status via NIPR.
- If you don’t know your insurance license number (National Producer Number or NPN), you can find your name via Kentucky Department of Insurance’s Licensee Search.
Kentucky Department of Insurance Contact Information
Kentucky Department of Insurance
500 Mero Street
2 SE 11
Frankfort, KY 40601
Phone: (502) 564-6004
Fax: (502) 654-6030
Kentucky Insurance License Renewal FAQ
How often do I need to renew my Kentucky insurance license?
In Kentucky, the expiration date or renewal date is most often based on the requirement to complete continuing education (CE) hours every two years. You must renew by this date and meet your CE hours. You can find out when you need to renew your insurance license on the front of the license itself. The expiration date will be printed directly on the license. Make sure that you renew your insurance before this date.
How much does it cost to renew my Kentucky insurance license?
Kentucky charges a $0 renewal fee (with active appointment) or $40 renewal fee (with no active appointment) + CE provider cost. Check on Kentucky’s requirements to learn more about the costs you can expect to renew your insurance license. Renewing your insurance license through the NIPR (National Insurance Producer Registry) comes with a $5.60 processing fee.
What are the continuing education requirements for Kentucky in renewing my insurance license?
You should check with the Kentucky Department of Insurance to determine how many hours you need and if there are restrictions on what kind of CE will be accepted. Continuing education topics include insurance policies, ethics, insurance law, and more. Some topics apply to all insurance agents, such as claims and tax updates. Other classes will be geared toward specific lines, such as property and casualty or life and health. See above to find out more about Kentucky Insurance CE courses and requirements.
How do I document the completion of my continuing education courses?
Sending in course completion paperwork to the state is typically the responsibility of the course provider. As the individual taking the course, you will not need to send in documentation. If you want to check your continuing education progress and make sure that all completed courses are in your state file, you can use your state’s online system to look up license information, including continuing education completion.
What is NPN for an insurance agent?
You will need your National Producer Number, or NPN, to renew your insurance license. This number is assigned to each individual working in insurance when they are first licensed. If you are unsure of your NPN, you can look it up on the National Insurance Producer Registry using your license number or social security number.