Kentucky Life and Health Insurance Agent Exam

Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Kentucky.

Who Grants a License: Licenses are granted by the Kentucky Department of Insurance.
Life and Health Insurance Agent Exam
Qualifications to receive a License: Individuals who wish to obtain an insurance license in the State of Kentucky must:
  • Be at least 18 years of age
  • Successfully complete a pre-licensing education program and an examination
  • Not have committed any act that is a ground for denial, suspension or revocation of a license
  • Submit the appropriate forms, application, and nonrefundable fees for the desired license.
Prelicensing Education: Life and Health agents with lines of authority require certification of 20 hours per line of authority pre-licensing completion.

Applying for the Producer Exam:  For the convenience of applicants, exams may be schedules in numerous locations through Kentucky. To process applications in the most efficient and effective manner, applicants should utilize electronic applications available through the National Insurance Producer Registry (NIPR) and the state’s eServices automated system. You can only schedule an examination via obtaining an eServices account after the Department processes your application.

Test Information: Before becoming licensed by the department each applicant for licensing as an insurance producer must pass an examination for the line(s) of authority for which application is made. The examination tests the candidate’s knowledge concerning the line(s) of authority, duties and responsibilities of a licensee and the Kentucky insurance laws and administrative rules. The following provides a general overview of the content outline. A detailed outline can be found in the Kentucky Life and Health Insurance License Exam Manual.
 
Kentucky Life and Health Insurance License Exam Manual Content Outline
 
Unit 24 Types of Health Insurance Policies (8% of test) - 4 questions
Unit 25 Disability Income Insurance (8% of test) - 4 questions
Unit 26 Medical Expense Insurance (8% of test) - 4 questions
Unit 27 Health Insurance Providers (8% of test) - 4 questions
Unit 28 Common Provisions and Features (8% of test) - 4 questions
Unit 29 Required Uniform Policy Provisions (6% of test) - 3 questions
Unit 30 Optional Uniform Policy Provisions (6% of test) - 3 questions
Unit 31 The Application and Underwriting (8% of test) - 4 questions
Unit 32 Group Health Insurance (8% of test) - 4 questions
Unit 33 Special Types of Health Policies (6% of test) - 3 questions
Unit 33a Long-Term Care (LTC) Insurance (6% of test) - 3 questions
Unit 34 Social Health Insurance (8% of test) - 4 questions
Unit 35 Health Insurance and Taxation (4% of test) – 2 questions
Code & Regulations Kentucky Law (8% of test) – 4 questions
 
How to Apply for the License: When applying for a resident license you must request a criminal background check from the Administrative Office of the Courts (AOC). To process applications in the most efficient and effective manner, applicants should utilize electronic applications available through the National Insurance Producer Registry (NIPR) and the state’s eServices automated system.
 
For further information, contact:
Kentucky Department of Insurance
Agent Licensing
P.O. Box 517
Frankfort, Kentucky 40602-0517
Phone: 502-564-6004
Licensing Fax: 502-564-6030
Testing Fax: 502-564-3384
www.insurance.ky.gov
Email: DOI.AgentLicensingMail@ky.gov

License Renewal Requirements: Individual Producer licenses must be renewed every two years and there is a continuing education requirement.

Applicable Regulations: Life and health insurance agents in Kentucky are regulated by the Kentucky Department of Insurance.
 

For more information on life and health insurance agent licensing and exam preparation, go to Tests.com’s Life and Health Insurance Exam Guide.

And take Tests.com’s free Life and Health Insurance Agent Practice Test.

For life and health insurance agent exam preparation products, such as study guides, flashcards and courses, go to Tests.com’s Life and Health Insurance Sales Exam listings.
Quality starts with...
...who wrote the material.
Our practice exam writers:
Susan Wright, MBA, CLU, RHU, REBC
 has worked in the insurance and financial services industry for over 20 years, where she has focused, in part, on producing training and educational materials. She has held roles at several large insurance and investment companies. Ms. Wright has been licensed as an insurance agent and an NASD/FINRA securities broker. She has earned nine industry professional designations, including: Chartered Life Underwriter, Registered Health Underwriter, Registered Employee Benefits Consultant, Certified Senior Advisor and Certified in Long-Term Care.

Noah Sobin is a licensed life insurance agent and insurance consultant who has worked as an agent for over ten years and as an insurance underwriter for five years. He has worked for Lincoln Financial Group and Prudential Financial. He earned his BA in Economics from Flordia State University.
Our practice exam covers life and health insurance exam subject areas that are common across the country and is not specific to any one state but rather applicable to all states. It covers all of the following areas which are typically covered in your actual state Life & Health Insurance examination:
  • General insurance
  • Insurance regulation
  • Life insurance basics
  • Life insurance policies
  • Life insurance policy provisions, options, and riders
  • Annuities
  • Federal tax considerations for life insurance and annuities
  • Qualified plans
  • Health Insurance basics
  • Individual health insurance policy general provisions
  • Disability income and related insurance
  • Medical plans
  • Health maintenance organizations
  • Group health insurance
  • Dental insurance
  • Insurance for special needs individuals and senior citizens
  • Federal tax considerations for health insurance