Prerequisites for Kentucky Life and Health Insurance Licensure
Before applying, candidates must be at least 18 years old, a legal resident of the United States, and free of disqualifying criminal convictions. A high school diploma or GED is required; a college degree is not mandatory but can strengthen the application.
More from this site
Keep reading the latest coverage
Educational and Examination Requirements
Applicants must complete 20 hours of pre‑licensing education approved by the Kentucky Department of Insurance (KDOI). The curriculum covers state insurance regulations, ethics, and policy fundamentals. After the coursework, the candidate must pass the Kentucky Life and Health Insurance Examination, administered by a third‑party testing firm. The exam score must meet or exceed the state minimum of 70 percent.
Application Process
Submit the online application through the KDOI portal. Required documents include:
- Proof of completion of pre‑licensing education (certificate)
- Exam score report
- Background check authorization form
- Application fee of $75 (paid by credit card or electronic check)
The KDOI conducts a background investigation, which may involve fingerprinting. Processing typically takes 5–7 business days once all documents are received.
Fees and Renewal
After approval, the license is valid for two years. Renewal requires a $75 fee and completion of 20 hours of continuing education (CE) covering ethics, insurance law updates, and product knowledge. CE can be completed through accredited providers, including online courses and in‑person seminars.
Common Pitfalls and How to Avoid Them
Many applicants lose their application due to incomplete documentation or outdated pre‑licensing certificates. Verify that the certificate lists the correct course titles and that the exam score is current. Additionally, ensure that the background check authorization is signed and submitted with the application.
Resources and Support
For additional guidance, consult the KDOI's official website, which offers downloadable checklists, exam study guides, and a list of approved education providers. Local insurance agents often sponsor study groups, providing peer support and shared resources.