How to Get a Property and Casualty License in Kentucky

Written by: Kevelyn Rodriguez

Cartoon woman holding Kentucky property and casualty license

    Getting your Kentucky property and casualty license is the first step toward becoming a P&C insurance agent in Kentucky.

    The Kentucky Department of Insurance requires you to complete a five-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C 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 Property and Casualty Insurance License

    1. Complete a Kentucky Pre-License Education Course (ExamFX – $189+)
    2. Get a Background Check (Kentucky Court of Justice AOC FastCheck – $25)
    3. Complete a Kentucky License Application (National Insurance Producer Registry (NIPR) – $40 application fee + $5.60 transaction fee + $50 exam fee)
    4. Take the Kentucky Licensing Exam (Kentucky Department of Insurance – $50 exam fee paid via the NIPR)
    5. Watch for Your Application Results

     

    Steps to Get a Kentucky Property and Casualty Insurance License

    Obtaining your Kentucky P&C license is easy. Just follow these five simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get your Kentucky life insurance license as well.

     

    Step 1: Complete a Kentucky Pre-License Education Course

    Before you take the Kentucky P&C 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, pre-licensing classroom or self-study course for a property and casualty line of authority. Upon completion of the course, your course provider will report your successful completion electronically to the Kentucky Department of Insurance.

    A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.

    You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C 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!

     

     

    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 check online, visit the Kentucky Court of Justice AOC FastCheck system and follow these steps:

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

    After you complete a pre-license education course and submit your background check request, you can apply for your Kentucky P&C insurance license. The application fee is $40 plus a $5.60 transaction fee and a $50 exam fee. You must apply online via the NIPR.

    The Kentucky Department of Insurance will issue a P&C 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 P&C insurance license in Kentucky, make sure you comply with the insurance licensing requirements as defined under the Kentucky Chapter 304 Insurance Code.

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

     

    Step 4: Take the Kentucky 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 Examination Schedule and Testing Sites

    The Kentucky P&C insurance exam:

    • Includes a total of 150 scored questions that includes 19 units covering insurance principles, contracts, regulations, different insurance policies specific to property and casualty. The exam also covers the insurance code unique to Kentucky law.
    • Gives you 190 minutes to complete the test. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
    • Costs $50, a fee you must pay via the NIPR along with your application fee by credit card, debit card, or voucher.

     

    Passing the Kentucky P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt.

    If you happen to fail the Kentucky P&C insurance exam, may pay the $50 retake fee and reschedule another examination through eServices on the next business day via the KOG portal. 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 P&C insurance agent in Kentucky.




    Next Steps After Securing Your Kentucky Property and Casualty Insurance License

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

     

    Get a Job in the Insurance Field

    Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.

    You can find P&C 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 Required Continuing Education Credits

    In Kentucky, you must take 24 hours of continuing education (CE) courses every two years to renew your P&C license. Kentucky CE requirements state that three of those hours must focus on ethics.

    If you have a non-resident license with good standing in your home state and have held a P&C license in Kentucky for at least 20 years, you don’t need to take CE courses in Kentucky.

    To avoid delays in renewing your license, you must complete the required CE hours at least 30 days before your license expires. There is no charge for the renewal, but you must pay $40 for the late renewal fee.

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




    Kentucky Department of Insurance Contact Information

    Mailing Address:

    500 Mero Street
    2 SE 11 
    Frankfort, KY 40601

    Phone: (502) 564-6004

    Email: DOI.LicensingMail@ky.gov

    Website: http://insurance.ky.gov/

    License Search: Kentucky Insurance Licensee Search




    Kentucky Property and Casualty License FAQ

    How much does it cost to get a property and casualty insurance license in Kentucky?

    The total cost of getting a property and casualty (P&C) insurance license in Kentucky is at least $309.60, but can reach nearly $500 based on the type of pre-license course you choose.

    The costs include:

     

    How long does it take to process a property and casualty 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 property and casualty insurance agent license in Kentucky?

    Yes. Kentucky provides a 180-day, temporary P&C 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 property and casualty insurance agent license in Kentucky?

    No. An emergency license isn’t available for P&C insurance agents in Kentucky.

     

    What can I sell with a property and casualty insurance license in Kentucky?

    With a Kentucky P&C license, you can sell insurance products like homeowners insurance, renters insurance, auto insurance, general liability insurance, and workers’ compensation policies.

     

    How much can you make with a property and casualty insurance license in Kentucky?

    According to ZipRecruiter, P&C insurance agents earn an average salary of between $30,000 and $44,500+ per year. P&C insurance agents who sell homeowners and auto insurance also can earn a 5 percent to 20 percent commission based on policy premiums.

     

    What are the limitations of a Kentucky property and casualty insurance license?

    Unless you have multiple licenses to sell various types of insurance products, having a Kentucky P&C license only gives you the authority to negotiate and sell P&C insurance policies. You’ll need additional licenses to sell other types of insurance.

     

    Can I cancel my property and casualty 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 property and casualty 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 July 2022.

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