How To Become An Insurance Agent In Kentucky

Kentucky

What Kind Of Agent Are You Going To Be?

A majority of people who are applying for their insurance license have a plan in already in place of where they are going to use it. If you don't yet have a plan on how you will be using your insurance license, this is the place to start. Here are some of the questions that you should ask yourself:

  • What type of insurance am I going to sell?
  • Am I starting my own agency, or working inside of an existing agency? 
    • It may depend on how your agency is set up to tell you what type of licenses you need to hold.
  • What types of licenses does my company require me to hold? 

Answering these questions should give you tell you the types of insurance licenses you need. If you are still unsure of which lines to pursue, you can always ask the folks in the state licensing office at 502-564-6004 or email the License Department.

How To Get Your Insurance License In Kentucky

  Pre-License Education

The first step in getting a Kentucky insurance license is taking pre-license education courses. These are state required courses pertaining to the subject matter that will be on the license exam. To fill the pre-license requirement, you must complete twenty (20) hours of education coursework per line of authority that you wish to hold.  You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

Example: If you want to get a Life Insurance license, then you would need to take twenty (20) hours of coursework. If you are going for Life, Accident, & Health (LA&H), forty (40) hours is your requirement. For Life, Accident & Health (LA&H) and Property & Casualty (P&C), you will need eighty (80) hours total of pre-license education.

Most applicants choose to take these courses online, as it fits their schedule better, but there are also in person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn't just to get the courses out of the way, it's to prepare you to pass your license exam on the first attempt.

StateRequirement recommends Kaplan Education Company for all pre-license education courses.

You can find a list course of approved Kentucky pre-license education providers on the Kentucky Pre-Licensing Education Provider List.

 Background Check

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. For more information on this topic, call the Kentucky Department of Insurance at 502-564-6004 or email the License Department.

The fee for having a background check run online is $22.

To initiate the background check, go to the Kentucky Court of Justice AOCFastChecksystem, then follow these steps:

  1. Select "Register"
  2. Leave the top radio button selected, and fill out the form to register yourself for the system
  3. You will receive an email with a verification link -- open it and click the link
  4. Login to the AOC FastCheck system with the information you just registered
  5. Select "Create New Record Request"
  6. Category "Licensing" -- Group "Dept. of Insurance (DOI)" -- Reason "Licensing"
  7. Complete form with all of your information, then select "Add To Batch"
  8. On the bottom, left of the page, the "Submit Request" button should now be usable -- Select "Submit Request"
  9. Follow any further instructions

This can be an arduous task, so if you have any questions, call the Kentucky Court of Justice at 502-573-2350, and ask to speak to "Records."

 Insurance License Exams

The last step after completing all of your pre-license 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.

This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven't tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

The fee for each attempt of the exams is $50, but you will have already paid for your first attempt when submitting your application. When you show up you must have a photo ID and the original pre-license education certificate.

The exams in Kentucky are all 50 questions long, and require a minimum of 70% correct answers to pass.

Kentucky and Kaplan Financial provide content outlines for each exam:

Kentucky Life Insurance Exam Study Outline

Kentucky Health Insurance Exam Study Outline

Kentucky Property Insurance Exam Study Outline

Kentucky Casualty Insurance Exam Study Outline

Check out our Insurance Exam Guide. It's extremely in-depth, and will hopefully help you pass the first time.

Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn't the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

Note: StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

You may register to take your exams and find more information in the Kentucky eServices Tool.

After you have passed your exams, your license will be issued immediately.

 License Application

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.

The fee for an online application is $40 per line, plus a $5 NIPR fee. You will also pay for your first attempt of each exam you are applying for here. The fee for each exam is $50.

Fill out your online application on the NIPR Kentucky Insurance page.

 Application Review

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.

If everything is to acceptable standards your application should be accepted within a few days.

If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

Congratulations!

You've done the work, put in the time and effort, and now hold the key to your own success!  We're proud of you. Take five (5) minutes and celebrate.

Kentucky Department Of Insurance Contact Information

Mailing Address:

Kentucky Department of Insurance
P.O. Box 517
Frankfort, KY, 40602-0517
Phone: 502-564-6004
Fax: 502-654-6030
Email: [email protected]
Website: http://insurance.ky.gov

Information on this page has been gathered by a multitude of sources, and was most recently updated in August 2017.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance.

Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.