Kentucky Life, Accident & Health Insurance License Practice Exam
150 questions, 190 min. 70% to pass. Apply via NIPR FIRST, then schedule through eServices. 20-hr pre-licensing required. AOC background check ($25). No renewal fee ever.
Kentucky Life, Accident & Health — Study by Topic
Drill Kentucky state law (KRS Ch. 304) or practice general L&H concepts. 150 questions, 190 min. Apply via NIPR FIRST to get ATT. KY DOI administers directly. No renewal fee.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest (4-hr one-time), riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements.
Health & Accident
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, HMOs, dental; 806 KAR 17:081 health regulations.
Kentucky State Law
KY DOI direct, Commissioner appointed, 20-hr pre-licensing, AOC background, apply-then-exam workflow, eServices ATT, 120-day window, no renewal fee, 12-hr CE carryover, KY L&A/H Guaranty.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA, KRS Chapter 304 references.
🌟 Full KY L&H Exam
150-question timed exam simulating the KY DOI combined Life, A&H exam. 190 minutes. 70% to pass. KY DOI administers directly. Apply via NIPR first. No renewal fee. 12-hr CE carryover.
About the Kentucky Life, Accident & Health Insurance License Exam
To get your Kentucky Life & Health insurance license, you must pass the state licensing exam administered by KY DOI directly (not PSI or Pearson VUE) with a passing score of 70%. Exam fee: $50 via NIPR application. Kentucky is regulated by the Kentucky Department of Insurance (KY DOI) under Kentucky Revised Statutes Chapter 304. Visit insurance.ky.gov for official licensing information. $0 renewal fee (unique in portfolio); up to 12 hours CE carryover (unique); exam administered directly by KY DOI (not PSI or Pearson VUE); apply-then-exam sequence; AOC background check $25; Commissioner appointed; choice no-fault auto (KRS 304.39-060).
Pre-licensing education in Kentucky: None required. Continuing education: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). License renewal fee: $0 biennial (unique — no renewal fee). CE must be completed before submitting your Kentucky renewal application. How to get licensed in Kentucky: complete pre-licensing → submit background check/fingerprinting → pass KY DOI directly (not PSI or Pearson VUE) exam → apply for Kentucky producer license.
How to get a Kentucky Life & Health insurance license in 2026: The Kentucky Department of Insurance (KY DOI) (insurance.ky.gov) administers all producer licensing in Kentucky. Exam: KY DOI directly (not PSI or Pearson VUE), $50 via NIPR application, 70%. Pre-licensing: None required. Once licensed, maintain your Kentucky Life & Health license by completing 24 hours + 3 ethics biennial (up to 12 hours CE carryover) and paying the $0 biennial (unique — no renewal fee) renewal. For questions contact the Kentucky Department of Insurance (KY DOI).
KY DOI (insurance.ky.gov). KRS Chapter 304. $0 renewal fee (unique). Up to 12 hrs CE carryover (unique). Exam administered BY KY DOI directly. Apply-then-exam sequence (apply via NIPR → get ATT → take exam). No PSI/Pearson VUE. AOC background check $25.
Frequently Asked Questions — Kentucky Life, Accident & Health Exam
How do I get a Kentucky Life & Health insurance license?
To become a licensed Life & Health producer in Kentucky: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the KY DOI directly (not PSI or Pearson VUE) exam ($50 via NIPR application, 70%); (4) Apply for your Kentucky producer license. The Kentucky Department of Insurance (KY DOI) (insurance.ky.gov) oversees all insurance producer licensing in Kentucky.
What exam does Kentucky use for Life & Health insurance licensing?
Kentucky uses KY DOI directly (not PSI or Pearson VUE) to administer the Life & Health insurance licensing exam. Fee: $50 via NIPR application. Passing score: 70%. $0 renewal fee (unique in portfolio); up to 12 hours CE carryover (unique); exam administered directly by KY DOI (not PSI or Pearson VUE); apply-then-exam sequence; AOC background check $25; Commissioner appointed; choice no-fault auto (KRS 304.39-060).
Does Kentucky require pre-licensing for Life & Health insurance?
None required. For official pre-licensing provider information, visit insurance.ky.gov.
What are Kentucky's CE requirements for Life & Health producers?
Kentucky requires: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). Renewal fee: $0 biennial (unique — no renewal fee). CE must be completed before submitting the renewal application. Contact the Kentucky Department of Insurance (KY DOI) at insurance.ky.gov for CE provider information.
What makes Kentucky unique for Life & Health insurance licensing?
$0 renewal fee (unique in portfolio); up to 12 hours CE carryover (unique); exam administered directly by KY DOI (not PSI or Pearson VUE); apply-then-exam sequence; AOC background check $25; Commissioner appointed; choice no-fault auto (KRS 304.39-060).
Practice Exam Questions — Kentucky Life & Health
5 state-specific questions drawn from the Kentucky exam content outline. Correct answer highlighted in green.
Kentucky insurance licensing exams are administered by:
- PSI Services LLC
- Pearson VUE
- Prometric
- The Kentucky Department of Insurance (KY DOI) directly — Kentucky is unique: KY DOI administers its own exams, not PSI, Pearson VUE, or Prometric; apply via NIPR → receive authorization → schedule exam with KY DOI
Kentucky's renewal fee for producer licenses is:
- $60 biennial
- $90 biennial
- $160 biennial
- $0 biennial — Kentucky has no renewal fee; unique in the portfolio; producers must still complete CE and renew but there is no dollar fee
Kentucky's CE allowance for carryover hours is:
- No carryover
- Up to 6 hours carryover
- Up to 12 hours of excess CE may carry over to the next biennial renewal period — shared with Tennessee; most other portfolio states allow no carryover
- Unlimited carryover
Kentucky's auto fault system is:
- Pure at-fault — no PIP
- No-fault state with mandatory PIP
- Choice no-fault — policyholders choose Basic Reparations Benefit (BRB/PIP) $10,000 no-fault default OR reject in writing to remain under the full tort system; unique hybrid
- Modified no-fault with 50% threshold
Kentucky's primary insurance statute is:
- Kentucky Administrative Regulations Title 806
- Kentucky Revised Statutes (KRS) Chapter 304 — Insurance; KY DOI at insurance.ky.gov; 500 Mero Street, 2 SE, Frankfort KY 40601; Commissioner appointed; implementing regulations in 806 KAR
- Kentucky Revised Statutes Chapter 186 — Motor Vehicles
- Kentucky Revised Statutes Chapter 12 — Government