How to get an insurance license in Kentucky
Every Kentucky producer and adjuster license in one place: hours, exams, fees and links, sourced from the Kentucky Department of Insurance.
Kentucky insurance license requirements
| Life | Accident & Health | Property & Casualty | Adjuster | |
|---|---|---|---|---|
| Pre-licensing education | 20 hours | 20 hours | 40 hours | None required |
| Exam vendor | Kentucky DOI (in-house; scheduled via eServices) | Kentucky DOI | Kentucky DOI | Kentucky DOI |
| Exam fee | $50 | $50 | $100 | $50 |
| Questions / time | 50 · 60 min | 50 · 60 min | 50 + 50 · 120 min | — |
| License application fee | $40 + $40 per line | $40 + $40 per line | $40 + $80 | $50 + $50 per line |
| Fingerprints | No fingerprints; KY AOC criminal background report (~$20-25) required verify | No fingerprints; KY AOC criminal background report (~$20-25) required verify | No fingerprints; KY AOC criminal background report (~$20-25) required verify | No fingerprints; KY AOC criminal background report (~$20-25) required verify |
| Continuing education | 24 hours · 2 years (birth month) | 24 hours · 2 years | 24 hours · 2 years | 24 hours · 2 years |
Kentucky Department of Insurance · checked 2026-10
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Questions
How do I get an insurance license in Kentucky?
Pick the line (life & health, property & casualty or adjuster), complete any required pre-licensing course, pass the state exam with Kentucky DOI (in-house; scheduled via eServices), get fingerprinted if required and apply through NIPR or the Kentucky Department of Insurance.
Does Kentucky require a pre-licensing course?
Yes — see the hours for each line in the table.