October 13, 2022

Kansas Insurance License Exam

Written by: Ethan Peyton

Cartoon woman holding Kansas Insurance License Exam document

    Passing your Kansas insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Kansas.

    In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Kansas insurance licensing exam, and on what to do after you pass.

     

    Kansas Insurance Exam Basics

    General Information

    The state of Kansas uses Pearson VUE to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Pearson VUE website. Your test can be carried out online or in person.

    Each major insurance line examination includes both general and state-specific material.

    The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Kansas insurance regulations and laws that you will need to know in order to operate as an insurance agent.

    Score Explanation

    When your examination is completed, you will receive a score report marked either “pass” or “fail.”

    If you passed your exam, your score report will include information relating to how to apply for an insurance license with the Kansas Insurance Department.

    If, on the other hand, you failed your exam, your score report will include a numeric score, as well as information relating to the process of re-examination.

    Note: You will need to wait at least 24 hours after your exam before registering for a re-examination.

     

    Cost

    Your Kansas insurance license exam cost will depend on the type and number of examinations that you take:

    Examination

    Cost 

    Time Allowed

    KS Life Producer

    $57

    90 Minutes

    KS Accident & Health Producer

    $57

    90 Minutes

    KS Property and Allied Lines Producer

    $57

    90 Minutes

    KS Casualty and Allied Lines Producer

    $57

    90 Minutes

    KS Life and Accident & Health Producer

    $64

    150 Minutes

    KS Property & Casualty and Allied Lines Producer

    $64

    150 Minutes

    Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

    Recommended Pre-License Course

    Before taking your insurance exam, we recommend completing a pre-license education course. This is not a requirement in the state of Kansas, but it can go a long way in helping you get accustomed to the information that you will be expected to know.
    4.7 out of 5 starsKaplan Education Company

     

    Kansas Life Producer Insurance Exam

    Below you can find the content outline offered by Pearson VUE.

    We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

    Life Producer Content Outline

    84 scorable questions, plus 16 pretest questions.

    I. Types of Policies

    A. Traditional whole life products
    B. Interest/market-sensitive/adjustable life products
    C. Term life
    D. Annuities
    E. Combination plans and variations

     

    II. Policy Riders, Provisions, Options, and Exclusions

    A. Policy riders
    B. Policy provisions and options
    C. Policy exclusions

     

    III. Completing the Application, Underwriting, and Delivering the Policies

    A. Completing the application
    B. Underwriting
    C. Delivering the policy
    D. Contract law

     

    IV. Taxes, Retirement, and Other Insurance Concepts

    A. Third-party ownership
    B. Viatical settlements
    C. Life settlements 
    D. Group life insurance
    E. Retirement plans
    F. Life insurance needs analysis/suitability
    G. Social Security benefits
    H. Tax treatment of insurance premiums, proceeds, and dividends

     

    V. Kansas Statutes, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance

    A. Commissioner of Insurance
    B. Definitions
    C. Licensing
    D. Marketing practices
    E. Life and Health Insurance Guaranty Association Act

     

    VI. Kansas Statutes, Rules, and Regulations Pertinent to Life Insurance Only

    A. Policy replacement
    B. Individual and group life provisions and rights
    C. Protection of beneficiaries from creditors
    D. Accelerated benefits
    E. Policy loans
    F. Advertising
    G. Viatical Settlement
    H. Annuities

     

    VII. Kansas Statutes, Rules, and Regulations Pertinent to Health Insurance Only

    A. Individual/Group accident and health policy clauses and provisions
    B. Group accident and health insurance only
    C. Blanket insurance
    D. Medicare Supplement insurance
    E. Long-Term Care
    F. Advertising
    G. Affordable Care Act

    We recommend reading our in-depth How to Pass the Life Insurance Exam guide for a better overview.

     

    Kansas Property and Allied Lines License Exam

    Below you can find the content outline offered by Pearson VUE. 

    You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

    Property and Allied Lines Producer Content Outline

    84 scored questions plus 16 pretest questions.

    I. Types of Policies

    A. Homeowners
    B. Dwelling policies
    C. Commercial lines
    D. Inland marine
    E. National Flood Insurance Program
    F. Others

     

    II. Insurance Terms and Related Concepts

    A. Insurance
    B. Insurable interest
    C. Risk
    D. Hazard
    E. Peril
    F. Loss
    G. Loss Valuation
    H. Proximate cause
    I. Deductible
    J. Indemnity
    K. Limits of liability
    L. Coinsurance/Insurance to value
    M. Occurrence
    N. Cancellation
    O. Nonrenewal
    P. Vacancy and Inoccupancy
    Q. Liability
    R. Negligence
    S. Binder
    T. Endorsements
    U. Blanket vs. Specific

     

    III. Policy Provisions and Contract Law

    A. Declarations
    B. Insuring agreement
    C. Conditions
    D. Exclusions
    E. Definition of the insured
    F. Duties of the insured
    G. Obligations of the insurance company
    H. Mortgagee rights
    I. Proof of loss
    J. Notice of claim
    K. Appraisal
    L. Other Insurance Provision
    M. Subrogation
    N. Elements of a contract
    O. Warranties, representations, and concealment
    P. Sources of underwriting information
    Q. Fair Credit Reporting Act
    R. Privacy Protection
    S. Policy Application
    T. Terrorism Risk Insurance Act (TRIA)

     

    IV. Kansas Statutes, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance

    A. Commissioner of Insurance
    B. Definitions
    C. Licensing
    D. Marketing practices
    E. Life and Health Insurance Guaranty Association Act

     

    V. Kansas Statutes, Rules, and Regulations Common to Property and Casualty Insurance Only 

    A. Renewal, nonrenewal, cancellation, and delivery of contracts
    B. Rates
    C. Excess lines producers

     

    VI. Kansas Statutes, Rules, and Regulations Pertinent to Property Insurance Only

    A. Unfair claims settlement practices
    B. Proof of loss
    C. Marine/inland marine
    D. FAIR plan
    E. Crop
    F. Flood Insurance

     

    Casualty and Allied Lines Producer Content Outline

    84 scorable questions plus 16 pretest questions.

    I. Types of Policies, Bonds, and Related Terms

    A. Commercial general liability
    B. Automobile: personal auto and business auto
    C. Workers Compensation Insurance, Employers Liability Insurance and Related Issues
    D. Crime
    E. Bonds
    F. Professional liability
    G. Umbrella/Excess Liability

     

    II. Insurance Terms and Related Concepts

    A. Risk
    B. Hazards
    C. Indemnity
    D. Insurable interest
    E. Loss valuation
    F. Negligence
    G. Liability
    H. Occurrence
    I. Binders
    J. Warranties
    K. Representations
    L. Concealment
    M. Deposit Premium/Audit
    N. Certificate of Insurance
    O. Law of Large Numbers
    P. Pure vs. Speculative Risk
    Q. Endorsements
    R. Damages
    S. Compliance with provisions of Fair Credit Reporting Act

     

    III. Policy Provisions

    A. Declarations
    B. Insuring agreement
    C. Conditions
    D. Exclusions and Limitations
    E. Definition of the insured
    F. Duties of the insured after a loss
    G. Cancellation and nonrenewal provisions
    H. Supplementary payments
    I. Proof of loss
    J. Notice of claim
    K. Arbitration
    L. Other Insurance
    M. Subrogation
    N. Loss settlement provisions including consent to settle a loss
    O. Terrorism Risk Insurance Act (TRIA)

     

    IV. IV. Kansas Statutes, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance

    A. Commissioner of insurance
    B. Definitions
    C. Licensing
    D. Marketing Practices
    E. Property and Casualty Insurance Guaranty Association Act

     

    V. Kansas Statutes, Rules, and Regulations Common to Property and Casualty Insurance Only

    A. Renewal, nonrenewal, cancellation, and delivery of contracts
    B. Rates
    C. Excess lines producers

     

    VI. Kansas Statutes, Rules, and Regulations Pertinent to Casualty Insurance Only  

    A. Kansas Automobile Injury Reparations Act
    B. Uninsured/Underinsured motorists coverage
    C. Accident prevention courses
    D. Automobile Assigned Risk Plan
    E. Worker’s Compensation

    We recommend reading our Property and Casualty Insurance exam article for a more in-depth overview.

     

    How to Pass the Kansas Insurance Exam

    Passing your Kansas insurance exam ultimately comes down to your mindset and degree of preparation.

    We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

    Get a Pre-License Course

    Even though this is not a requirement in the state of Kansas, getting a pre-license course can go a long way in helping you get accustomed to the prolific amount of content that you will have to memorize.

    We recommend Kaplan’s course because it offers a variety of helpful features, including:

    • Online exam simulations
    • Live online training
    • Printable study guides
    • End of chapter reviews

    For more information, we recommend reading our Kaplan Insurance Course Review.

     

    Make Enough Time to Study

    Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

    Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

    We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

     

    Control Test Anxiety

    Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

    • Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
    • Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
    • Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
    • Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

    For a more in-depth overview of how you can prepare for your Kansas insurance exam, we recommend reading our How to Pass the Insurance Exam article.

     

    Getting Your Kansas Insurance License

    Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

    You can apply for your license up to 24 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application, you are totally free to do that.

    After you have passed your insurance licensing exam, you will need to:

    • Apply for a tax clearance
    • Complete a fingerprint and background check
    • File your licensing application
    • Wait for your application to be reviewed

    Have a look at our How to Become an Insurance Agent in Kansas review for more information on all the steps that you will need to take after passing your insurance exam.




    Kansas Insurance Exams FAQ

    How often do I have to renew my license?

    You will need to renew your license every two years in order to continue operating as a legitimate insurance agent in Kansas.

    For more information, see our guide on How to Renew Your Insurance License in Kansas.

     

    How long is the Kansas insurance exam?

    This will depend on the exam that you are taking. The Life, Accident & Health, Property, and Casualty exams are all 90 minutes long.

    Combined exams (e.g., Life and Accident & Health Producer, etc.) are 150 minutes long.

     

    How many times can you take the Kansas insurance exam?

    There is no limit on the number of times that you can re-take an examination.

    Having said that, you will be required to wait at least seven calendar days after your exam before registering for a re-examination.

     

    How many questions are on the Kansas insurance exam?

    This will depend on the exam that you are taking. The combined Life and Accident & Health test consists of 140 questions.

    The Property exam, on the other hand, is made up of 84 questions.

    Kansas Insurance Department Contact Information

    Mailing Address:

    1300 SW Arrowhead Rd.
    Topeka, Kansas 66604

    Phone: (785) 296-7862

    Fax: (785) 368-7019

    Email: licensing@ksinsurance.org

    Website: http://www.ksinsurance.org

    License Search: Kansas Insurance License Search and Lookup




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