How To Become An Insurance Agent In Kentucky
Getting your insurance license is the first step to becoming an insurance agent in Kentucky. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.
Follow our step-by-step guide to get your insurance license in Kentucky.
How To Get Your Insurance License In Kentucky
Step 1. Which Types of Insurance Licenses Do You Need?
Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.
These are examples of the types of insurance policies you can sell with each type of license:
- Property & Casualty Insurance License – Car Insurance, Home Insurance, Business Insurance, etc…
- Life & Health Insurance License – Life Insurance, Annuities, Health Insurance, etc…
Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.
Step 2. Insurance Pre-License Education
After you’ve determined which licenses you need, you must now take your Kentucky insurance pre-license education courses.
Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.
Each line of authority in Kentucky requires twenty (20) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty (40) hours of pre-licensing, and for Life, Accident, and Health you must also take forty (40) hours.
You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.
For required insurance pre-license courses and exam prep, StateRequirement recommends:
Step 3. 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 $25.
To initiate the background check, go to the Kentucky Court of Justice AOCFastCheck system, then follow these steps:
- Select “Register”
- Leave the top radio button selected, and fill out the form to register yourself for the system
- You will receive an email with a verification link — open it and click the link
- Login to the AOC FastCheck system with the information you just registered
- Select “Create New Record Request”
- Category “Licensing” — Group “Dept. of Insurance (DOI)” — Reason “Licensing”
- Complete form with all of your information, then select “Add To Batch”
- On the bottom, left of the page, the “Submit Request” button should now be usable — Select “Submit Request”
- 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.”
Step 4. Kentucky 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.
When you arrive 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:
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 on the Kentucky eServices Tool.
After you have passed your exams, your license will be issued immediately.
Step 5. 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 for a total of $45. You will also pay for your first attempt of each exam you are applying for here.
Fill out your online application on the NIPR Kentucky Insurance page.
Step 6. 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.
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.
After Licensing, What's Next?
Now that you have your license, use the StateRequirement Job Board to find the opening to your new career.
Kentucky Department Of Insurance Contact Information
Kentucky Department of Insurance
P.O. Box 517
Frankfort, Kentucky 40602-0517
Phone: (502) 564-6004
Fax: (502) 654-6030
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in March 2020.Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement 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.