How to Get a Life Insurance License in Kentucky

Written by: Mary Gerardine

    Getting your Kentucky life insurance license is the first step toward becoming a life insurance agent. If you want to market and sell life insurance policies, follow this step-by-step guide for obtaining life insurance licensing in Kentucky.

    The Kentucky Department of Insurance requires you to complete a five-step process to obtain your life insurance license — from taking the life insurance exam to applying for a license.

    These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

     

     

    How To Get Your Kentucky Life Insurance License – Quick Version

    1. Complete a Kentucky Insurance Prelicense Course (ExamFX – $189+)
    2. Get a Background Check (Kentucky Court of Justice AOC FastCheck – $25)
    3. Complete a Kentucky Life Insurance License Application (National Insurance Producer Registry (NIPR) – $40 application fee + $50 exam fee)
    4. Take the Kentucky Life Insurance Licensing Exam (Kentucky Department of Insurance – $50 exam fee paid via the NIPR)
    5. Watch for Your Application Results

     

     

    Steps To Get a Kentucky Life Insurance License

    Obtaining your Kentucky life insurance license isn’t difficult. Just follow these five steps to start your journey toward becoming a life insurance agent. Once you earn this license, check out our guide on how to get your Kentucky property and casualty (P&C) license as well.

     

     

    Step 1: Complete a Kentucky Insurance Prelicense Course

    Before you take the Kentucky life insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

    In Kentucky, you must complete a 20-hour, prelicensing classroom or self-study course for your requested life line of authority. Upon completion of the course, your course provider will report the completion electronically to the Kentucky Department of Insurance. 

    A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered “common sense.” Prelicense education courses are self-paced and include study materials like practice exams and flashcards.

    Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.

    Recommended Course

    For Kentucky insurance pre-license education courses and exam prep, StateRequirement recommends: ExamFX


    For 10% off, use code examfx@staterequirement.com at checkout! Visit ExamFX

     

    Step 2: Get a Background Check

    Kentucky requires that all insurance license applicants undergo a background check prior to licensing. To apply for a criminal background report online, visit the Kentucky Court of Justice AOC FastCheck system and follow these steps:

    1. Select “Register.”
    2. Leave the top radio button selected, and fill out the form to register yourself in the system.
    3. You’ll then receive an email with a verification link. Open it and click on the link.
    4. Log in to the AOC FastCheck system with the information you just used to register.
    5. Select “Create New Record Request.”
    6. For the category, choose “Licensing,” for the group, choose “Dept. of Insurance (DOI),” and for the reason, choose “Licensing.”
    7. Complete the form with all of your information, and then select “Add To Batch.”
    8. Click on the “Submit Request” button in the lower-left corner of the page, which should now be active.
    9. Follow any further instructions.

    If you have any questions, call the Kentucky Court of Justice at 502-573-2350 and ask to speak to “Records.” The fee for the background check is $25. An AOC criminal background report is valid for 60 days.

     

    Step 3: Complete a Kentucky Life Insurance License Application

    After you complete a prep course and submit your background check request, you can apply for your Kentucky life insurance license. The application fee is $40 plus $50 for the exam fee. You must apply online via the NIPR.

    The Kentucky Department of Insurance will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing requirements. Additionally, you must set up a Kentucky Online Gateway (KOG) account to manage your application, learn about licensing requirements, and more.

    To apply for a life insurance license in Kentucky, make sure you comply with the insurance licensing requirements as defined under the Kentucky Insurance Code.

    Send any questions or supporting documents to DOI.LicensingMail@ky.gov.

     

    Step 4: Take the Kentucky Life Insurance Licensing Exam

    You must schedule your exam through the KOG portal after the Kentucky Department of Insurance processes your application. For more information on the exam providers, check out the Kentucky Department of Insurance’s Exam Schedule and Testing Sites

    The Kentucky life insurance exam outline contains a total of 150 scored questions, covering topics from the types of insurance policies to Kentucky law. Your prelicensing coursework will address all of the included topics.

    You’ll have 190 minutes to complete the examThe Kentucky life insurance exam fee is $50, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

    If you happen to fail the Kentucky life insurance exam, you’ll need to schedule another examination via the KOG portal on the next business day and pay the $50 fee again. You may retake the exam an unlimited number of times within 120 days.

    Tip:

    Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

     

    Step 5: Watch for Your Application Results

    After you complete the previous four steps, the Kentucky Department of Insurance will review your application and background check. It reviews applications in the order it receives them, and it usually takes three to five business days to review and process your application. 

    You can print your license from the NIPR website or through the KOG portal. There’s no charge to create an account or print a license. You also may track the status of your application via your KOG account. 

    Congratulations! You’re now ready to get started as a life insurance agent in Kentucky.

    Congratulations!

    You’re now ready to get started as a life insurance agent in Kentucky.




    Next Steps After Securing Your Kentucky Life Insurance License

    Once you complete the above steps and have your Kentucky life insurance license, here’s what you should pursue next.

    Get Your FINRA Securities Licenses

    Overview

    Individuals planning to market and sell market-based life insurance products also must obtain the proper securities licenses. As a securities license holder, you can offer securities as part of your services. That’ll make you a credible authority in addressing all of your clients’ financial needs.

    To learn more, check out our Securities Licensing guide.

     

     

    SIE Exam

    To obtain these licenses, you’ll first need to take and pass the Securities Industry Essentials (SIE) exam. Professionals in the securities industry are required to take the SIE and a series of examinations administered by the Financial Industry Regulatory Authority (FINRA)

    The SIE exam ensures every life insurance professional has a basic understanding of securities. While taking the SIE exam isn’t a requirement for all insurance professionals, those who don’t obtain at least one securities license limit their ability to work with clients. With a securities license, you can give your clients the option to invest in securities-related products as part of their life insurance plans.

    Tip:

    To help you start preparing for the SIE exam, check out our full guide on How to Pass the SIE Exam.

    Obtaining a license to sell securities also requires sponsorship from a firm, company, or organization regulated by FINRA. The sponsor will pay the testing fees required for your SIE exams and submit your personal information to FINRA’s Central Registration Depository (CRD). The Series 6 and Series 7 licenses require a FINRA exam sponsorship before you can take the exam. The exam for a Series 63 license doesn’t require any sponsoring entity. 

    Once you get your securities license(s), FINRA will list you as a “registered representative.” By achieving the securities licensee designation, you’ll become a highly sought-after professional and set yourself up for a successful career in the insurance industry.

     

     

    Series 6, 7, and 63 Licenses

    Some of the most common securities licenses for insurance agents include the Series 6, 7, and 63 licenses because they allow licensees to sell almost every type of individual security.

    The Series 6 (Investment Company and Variable Contracts Products Representative) Securities License is the primary license sought by insurance sales professionals and financial advisors, allowing them to sell grouped securities related to insurance products. 

    Series 6 works together with Series 63 because they are the two partner licenses required to sell insurance policies tied to investments. The North American Securities Administrators Association (NASAA) oversees regulation of the Series 63 (Uniform Securities Agent State Law) license.

    The Series 7 license allows you to buy and sell securities (e.g., stocks, bonds, and mutual funds) as part of an investment plan for your clients. To get a Series 7 license, you will first need to register as a new candidate with FINRA and pass the Series 7 exam. The Series 7 exam is commonly known as the General Securities Representative Qualification Exam, but is sometimes referred to as the “Series 7 Top-Off Exam.”

     

     

    Get a Job in the Insurance Field

    Once you earn your license, you can start applying for jobs in the insurance field. With a life insurance license, you can provide advice and recommend insurance products to clients, sell life insurance policies that pay a beneficiary upon an insured person’s death, and sell annuities that pay a set income at retirement.

    Find life insurance job postings on our Insurance Jobs Board.

    When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).

     

     

    Complete Continuing Education and Renew Your License

    In Kentucky, you must take 24 hours of continuing education (CE) every two years to maintain your license in good standing. Three of those 24 hours must focus on ethics. You may complete your required hours in any combination of in-person classes and self-study.

    If you have a non-resident license with good standing in your home state, you aren’t required to take CE courses in Kentucky. 

    You can’t renew your license until you complete your CE hours and pay any outstanding fines.

    In Kentucky, you also must renew and manage your life insurance license every two years. To avoid delays in renewing your license, you must complete your required CE hours at least 90 days before your license expires. 

    Kentucky requires insurance agents to renew their applications online instead of using paper applications. You may renew your license via the NIPRThere’s no fee to renew your license if you have an active appointment in Kentucky. If you don’t have an active appointment in the state, you’ll have to pay a late fee of $40.

    Learn how to renew your license with our Kentucky insurance license renewal guide.




    Kentucky Department of Insurance Contact Information

    Physical Address:
    Kentucky Department of Insurance
    500 Mero Street
    2 SE 11 Frankfort, KY 40601

    Mailing Address:
    Kentucky Department of Insurance
    P.O. Box 517
    Frankfort, KY 40602-0517

    Phone: 502-564-6004

    Email: DOI.LicensingMail@ky.gov 

    Website: http://insurance.ky.gov/ 

    License Search: Kentucky Insurance Licensee Search




    Kentucky Life Insurance License FAQ

    How much does it cost to get a life insurance license in Kentucky?

    Obtaining a life insurance license in Kentucky requires these fees: 

     

    How long does it take to process a life insurance license application in Kentucky?

    This process typically takes three to five business days. You’ll receive an email once the Kentucky Department of Insurance reviews your application.

     

     

    Can I get a temporary life insurance agent license in Kentucky?

    Yes. Kentucky provides a 180-day, temporary life insurance license. You must first submit an application for a regular agent license and examination through the NIPR. Then, you must complete a paper application for a temporary agent license in addition to your application for the regular agent license.

    You must then submit your completed application by email to DOI.AgentLicensingMail@ky.gov or mail to:

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

     

     

    Can I get an emergency life insurance agent license in Kentucky?

    No. An emergency license isn’t available for life insurance agents in Kentucky.

     

     

    Do I need to get my securities license on top of a life insurance license in Kentucky?

    Probably. While you can sell certain basic life insurance products with just a life insurance license, a securities license removes the limits on what you can sell and puts you in a much better career position. As a securities license holder, you can provide your clients with products tied to the securities market as part of their retirement and life insurance plans. But, you’ll need FINRA accreditation to obtain your securities license.

     

     

    What can I sell with a life insurance license in Kentucky?

    With a Kentucky life insurance license, you can sell life insurance policies that pay a designated beneficiary when the insured person dies. You also can sell annuities that pay a set income at retirement.

     

     

    How much can you make with a life insurance license in Kentucky? 

    According to ZipRecruiter, life insurance agents earn an average of $79,730 per year.

     

     

    What are the limitations of a Kentucky life insurance license?

    Unless you have multiple licenses to sell various types of insurance products (e.g., the combined life and health insurance license), having a Kentucky life insurance license only qualifies you to sell life insurance policies as well as retirement plans and annuities. You can’t sell other types of insurance. A securities license on top of your life insurance license removes that limitation and enables you to offer securities, including stocks and bonds.

     

     

    Can I cancel my life insurance license in Kentucky?

    Yes. To cancel your license, you must download and fill out the Application for Voluntary Surrender of License (Form VS) and mail it to: 

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

     

     

    How hard is it to get a life insurance license in Kentucky?

    The process is quite simple! Follow the steps above and get started today!




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    Information on this page has been gathered by a multitude of sources and was most recently updated in October 2021.

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