October 25, 2022

Kentucky Insurance License Exam

Written by: Ethan Peyton

Cartoon woman holding Kentucky Insurance License Exam document

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

    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 Kentucky insurance licensing exam, and on what to do after you pass.

     

    Kentucky Insurance Exam Basics

    General Information

    The state of Kentucky administers its insurance agent licensing through the Kentucky Department of Insurance.

    You can register and book all of your licensing examinations through the Department of Insurance’s website. Your test can be carried out online or in person.

    Each major insurance line examination is made up of multiple-choice questions and 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 Kentucky insurance regulations and laws that you will need to know in order to operate as an insurance agent.

    Score Explanation

    As soon as you complete your insurance exam(s), you will be able to view your grade at your testing site. You will need to obtain a score of 70% or higher in order to pass your insurance license exam(s) in Kentucky.

    Keep in mind that testing facilities do not offer printing services, and so you will need to print your exam results independently through the Kentucky eServices portal.

    Note: If you fail, you will need to file an Exam Retake Form with the Kentucky Department of Insurance and pay a $50 fee in order to schedule a reexamination.

     

    Cost

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

    Examination

    Cost 

    Time Allowed

    Life Agent

    $50

    190 Minutes

    Health Agent

    $50

    190 Minutes

    Property Agent 

    $50

    190 Minutes

    Casualty Agent

    $50

    190 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 actually a requirement in Kentucky, and can also go a long way in helping you learn all of the information that you will need to know during your exam.
    4.7 out of 5 starsKaplan Education Company

     

    Kentucky Life and Health Insurance Exam

    Below you can find the topics that you will be tested on, as well as the number of questions that you will have to answer on each part.

    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.

    Life Insurance Exam Content Outline

    50 scorable questions.

    • Introduction to Life Insurance (2 Question)
    • The Need for Life Insurance (2 Questions)
    • Permanent life insurance and Other Plans (3 Questions)
    • Term Life Insurance and Other Plans (2 Questions)
    • Annuities (3 Questions)
    • Policy Provisions (3 Questions)
    • Riders (2 Questions)
    • Premiums (2 Questions)
    • Dividends (2 Questions)
    • Nonforfeiture and Settlement Options (3 Questions)
    • Policy Loans (2 Questions)
    • The Application (3 Questions)
    • Underwriting (3 Questions)
    • Claims (1 Question)
    • Group Life Insurance (2 Questions)
    • Business Insurance (2 Questions)
    • Retirement Plans (2 Questions)
    • Tax Treatment of Life Insurance (2 Questions)
    • Life Insurance Companies (2 Questions)
    • Legal and Professional Aspects (2 Questions)
    • Government Programs (2 Questions)
    • Kentucky Insurance Laws and Regulations 2007 (3 Questions)

     

    Health Insurance Exam Content Outline

    50 scorable questions

    • Types of Health Insurance Policies (4 Questions)
    • Disability Income Insurance (4 Questions)
    • Medical Expense Insurance (4 Questions)
    • Health Insurance Providers (4 Questions)
    • Common Provisions and Features (4 Questions)
    • Required Uniform Policy Provisions (3 Questions)
    • Optional Uniform Policy Provisions (3 Questions)
    • The Application and Underwriting (4 Questions)
    • Group Health Insurance (4 Questions)
    • Special Types of Health Policies (3 Questions)
    • Long-Term Care (LTC) Insurance (3 Questions)
    • Social Health Insurance (4 Questions)
    • Health Insurance and Taxation (2 Questions)
    • Kentucky Law (4 Questions)

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

     

    Kentucky Property and Casualty License Exam

    Below you can find the topics that you will be tested on, as well as the number of questions on each topic.

    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.

    Property Insurance Exam Content Outline

    50 scorable questions

    • Principles of Insurance (3 Questions)
    • The Insurance Contract (3 Questions)
    • Insurance Company Organization and Regulation (1 Question)
    • The Insurance Transaction (3 Questions)
    • Introduction to Property Insurance (4 Questions)
    • Dwelling Insurance (2 Questions)
    • Homeowners Insurance (5 Questions)
    • Personal Auto Insurance (3 Questions)
    • Miscellaneous Personal Insurance (4 Questions)
    • The Commercial Package Policy (3 Questions)
    • The Businessowners Policy (3 Questions)
    • Commercial Property Insurance (3 Questions)
    • Ocean and Inland Marine Insurance (2 Questions)
    • Commercial Crime Insurance (3 Questions)
    • Miscellaneous Commercial Insurance (4 Questions)
    • Kentucky Law (4 Questions)

     

    Casualty Insurance Exam Content Outline

    50 scorable questions

    • Principles of Insurance (4 Questions)
    • The Insurance Contract (4 Questions)
    • Insurance Company Organization and Regulation (1 Question)
    • The Insurance Transaction (4 Questions)
    • Introduction to Liability Insurance (4 Questions)
    • Homeowners Insurance (2 Questions)
    • Personal Auto Insurance (5 Questions)
    • Miscellaneous Personal Insurance (2 Questions)
    • The Commercial Package Policy (2 Questions)
    • The Businessowners Policy (2 Questions)
    • Commercial General Liability Insurance (4 Questions)
    • Commercial Auto Insurance (2 Questions)
    • Commercial Crime Insurance (1 Question)
    • Workers’ Compensation (5 Questions)
    • Miscellaneous Commercial Insurance (3 Questions)
    • Kentucky Law (5 Questions)

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

     

    How to Pass the Kentucky Insurance Exam

    Passing your Kentucky 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

    Getting a pre-license course can go a long way in helping you get accustomed to the large amount of content that you will be tested on. It is also a legal requirement in the state of Kentucky.

    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 Kentucky insurance exam, we recommend reading our How to Pass the Insurance Exam article.

     

    Getting Your Kentucky 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 120 days after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the Kentucky Department of Insurance, you are totally free to do that.

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

    • Complete a criminal background check
    • File your licensing application
    • Wait for your application to be reviewed (around three days for online applicants)

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




    Kentucky Insurance Exams FAQ

    How often do I have to renew my Kentucky insurance license?

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

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

     

    How long is the Kentucky insurance exam?

    Each insurance license exam in Kentucky is 190 minutes long.

     

    How many times can you take the Kentucky insurance exam?

    You can take an insurance exam in Kentucky as many times as you need to, there is no limit.

    Having said that, you will need to pay a $50 fee each time.

     

    Is getting an insurance pre-license course a requirement in Kentucky?

    Yes. You are required to complete a 20-hour pre-licensing classroom or self-study course in order to sit an agent producer exam in Kentucky.

    Kentucky Department of Insurance Contact Information

    Mailing Address:

    Kentucky Department of Insurance
    P.O. Box 517
    Frankfort, Kentucky 40602-0517

    Phone: (502) 564-6004

    Fax: (502) 654-6030

    Email: DOI.AgentLicensingMail@ky.gov

    Website: http://insurance.ky.gov

    License Search: Kentucky Insurance License Search and Lookup




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    Information on this page has been gathered by a multitude of sources and was most recently updated in October 2022.

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