Kentucky Life, Accident & Health Insurance License Practice Exam
Separate Life and Health exams, 70% to pass. Apply via NIPR first, then schedule through eServices. 40 hours of pre-licensing (20 per line). AOC criminal background report required.
Kentucky Life, Accident & Health — Study by Topic
Drill Kentucky state law (KRS Ch. 304) or practice general L&H concepts. Kentucky DOI gives separate Life and Health exams, 70% to pass. Apply via NIPR first, then schedule through eServices.
Life Insurance
Term, whole life, universal life, variable, annuities, riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements.
Health & Accident
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, HMOs, dental.
Kentucky State Law
KY DOI administers the exams, 40 hours of pre-licensing (20 per line), AOC background report, apply-then-exam workflow through NIPR and eServices, 120-day exam window, $0 renewal fee with an active appointment, 12-hour CE carryover.
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 practice exam covering Kentucky life and health topics. 70% to pass. Kentucky DOI gives separate Life and Health exams; DOI does not publish an exam time limit.
About the Kentucky Life & Health Insurance Exam
The Kentucky life and health insurance exams are administered by the Kentucky Department of Insurance (DOI) itself, not by a national testing vendor. Kentucky licenses insurance agents (producers) by line and gives a separate exam for each line, so life and health are tested on a Life exam and a Health exam. Resident applicants complete 40 hours of Commissioner-approved pre-licensing study for life and health (20 hours per line), apply through the National Insurance Producer Registry (NIPR), and request a criminal background report from the Administrative Office of the Courts (AOC). Pre-licensing certificates and the AOC report are uploaded in Kentucky eServices, and exams are scheduled there.
The passing standard is 70% of the questions answered correctly (806 KAR 9:025, Section 2). DOI's Life exam study outline lists 50 questions, with 3 of them on Kentucky insurance laws and regulations. DOI does not publish an exam time limit. Exams are taken by appointment at DOI test sites, most of them at regional community and technical colleges, and walk-ins are not accepted.
Kentucky Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Units 1–2: Introduction to Life Insurance; The Need for Life Insurance | 4 (8%) | Basic concepts of life insurance and why consumers buy it |
| Units 3–4: Permanent Life Insurance; Term Life Insurance and Other Plans | 5 (10%) | Permanent, term, and other life insurance plans |
| Unit 5: Annuities | 3 (6%) | Annuity contracts |
| Units 6–11: Policy Provisions; Riders; Premiums; Dividends; Nonforfeiture and Settlement Options; Policy Loans | 14 (28%) | Policy provisions, riders, premiums, dividends, nonforfeiture and settlement options, policy loans |
| Units 12–14: The Application; Underwriting; Claims | 7 (14%) | Application, underwriting, and claims |
| Units 15–18: Group Life Insurance; Business Insurance; Retirement Plans; Tax Treatment of Life Insurance | 8 (16%) | Group life, business uses, retirement plans, taxation |
| Units 19–21: Life Insurance Companies; Legal and Professional Aspects; Government Programs | 6 (12%) | Insurer organization, legal and professional aspects, government programs |
| KY — Kentucky Insurance Laws and Regulations | 3 (6%) | KRS 304.12-110, 304.14-150, 304.2-120, 304.9-295, 304.9-425(5), and 304.9-440 (the outline lists the citations only) |
Counts are from the Kentucky DOI Life Insurance License Outline (based on the Kaplan Kentucky Life and Health manual, effective December 2008), which lists 50 questions. DOI also posts a Health outline and newer Life and Health outline files that were not checked here, and it publishes no exam time limit, so confirm current counts with DOI before you test.
What Makes the Kentucky Life & Health Exam Different
DOI gives the exam itself. Kentucky's exams are administered by the Department of Insurance's Division of Licensing at test sites (mostly regional community and technical colleges, plus DOI's Frankfort office), not by PSI, Pearson VUE, or Prometric. You must schedule an appointment in Kentucky eServices, bring a government-issued photo ID, and arrive 15 minutes early. You may test an unlimited number of times within a 120-day window, but each scheduled retake costs $50 and DOI states that examinations cannot be rescheduled for the same day.
Apply first, then test. Under 806 KAR 9:025, Section 2, you file the NAIC individual application (Form 8301, usually through NIPR), proof of required pre-licensing, a completed background check through the Administrative Office of the Courts, and the fees before an exam can be scheduled. DOI says the AOC report is valid for 60 days, and a pre-licensing course is valid for one year from completion (Section 1).
One exam per line. Life, health, property, casualty, and personal lines each have their own exam. Variable life and variable annuity products require no exam, and 20 hours of pre-licensing are required for each line, which is why life and health together require 40 hours (806 KAR 9:025, Sections 1 and 2).
Appointment and renewal. The insurer must appoint you within 15 days of the contract or your first application (806 KAR 9:025, Section 7), and DOI's fee schedule lists a $40 appointment fee per insurer. Individual licenses renew every two years by the last day of your birth month. DOI's fee schedule shows a renewal fee of $0 for an agent with at least one active appointment, otherwise the renewal fee equals the license fee.
Discipline and exam integrity. KRS 304.9-440(1) lets the Commissioner place a license on probation, suspend it or impose conditions for not more than 24 months, revoke it, or refuse to issue or renew it. Listed grounds include cheating on a licensing exam, a felony conviction, and incorrect or materially untrue information in an application.
Sample Kentucky Life & Health Insurance Exam Questions
1. An individual applies for the life and health lines of a Kentucky agent license. What is the minimum pre-licensing course study required under 806 KAR 9:025?
2. Under KRS 304.9-440(1), for what maximum period may the Kentucky Commissioner suspend a license or impose conditions on its continuance?
3. A Kentucky agent completes more continuing education hours than required in one compliance period. How many excess credit hours may carry forward to the next period?
Study Tips for the Kentucky Life & Health Exam
Kentucky tests life and health separately, so plan two exams. DOI's Life outline puts 28% of the questions (14 of 50) on policy provisions, riders, premiums, dividends, nonforfeiture, settlement options, and policy loans, and only 3 questions on Kentucky statutes, so strong general life knowledge matters most.
On a 50-question exam, 70% is 35 correct answers. Your scheduling window is 120 days, with unlimited attempts in that window at $50 per scheduled retake, so book a first attempt early and use the score report to target weak units.
Request your AOC background report when your application is nearly ready, because DOI says the report is valid for only 60 days. Upload documents in PDF format only.
Licensing in a nearby state? See the Tennessee life and health practice exam or the Ohio life and health practice exam. General exam help is in our insurance exam study guide.
How to Get Your Kentucky Life & Health Insurance License
There are four steps to get your Kentucky life and health insurance license.
Steps to Get Your Kentucky Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-License Education | Complete 40 hours of Commissioner-approved study for life and health (20 hours per line). Your provider reports completion on Form CPL-01, and the signed and dated certificate must be uploaded to DOI. |
| 2. Apply & Background Report | Apply through NIPR and request your criminal background report from the AOC. About a day after applying, create a Kentucky eServices individual license account and upload the pre-licensing certificate and AOC report as PDFs. Review takes up to 5 business days at the Kentucky Department of Insurance. |
| 3. Licensing Exams | Schedule the Life and Health exams in eServices once DOI processes your application, and answer at least 70% correctly on each. You have a 120-day window for unlimited attempts. |
| 4. Appointment & Maintenance | An insurer must appoint you within 15 days. Renew every two years by the last day of your birth month with 24 hours of continuing education, including 3 hours of ethics. |
Kentucky Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| License type | Agent (insurance producer), Life and Health lines |
| Pre-license education | 40 hours (20 per line); certificate valid for one year |
| Exams | Separate Life and Health exams (no exam for variable life and variable annuity) |
| Questions | Life outline: 50 questions (outline effective December 2008) |
| Time limit | Not published by DOI |
| Passing score | 70% |
| Exam fee | $50 per exam and per scheduled retake (DOI fee schedule revised 4-2021) |
| License fee | $40 resident individual license, plus $40 for each line of authority (fee schedule revised 4-2021) |
| Background check | AOC criminal background report, valid for 60 days |
| Appointment | Insurer appoints within 15 days; $40 per insurer |
| License term and renewal | Two years; renew by the last day of your birth month. Renewal fee is $0 with an active appointment |
| Continuing education | 24 hours per period including 3 ethics; up to 12 excess hours carry forward |
| Exam provider | Kentucky Department of Insurance |
| Licensing authority | Kentucky Department of Insurance |
Verified against Kentucky DOI licensing pages, its FAQ, exam schedule, fee schedule and study outline, 806 KAR 9:025, and KRS 304.9-440. The fee schedule and outline are older documents, so confirm current fees and question counts with DOI.
Our free Kentucky life and health practice exam covers life, health, policy provisions, and Kentucky law. You can also try the Kentucky property and casualty practice exam or the insurance exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Kentucky Life & Health Insurance Exam
How many questions are on the Kentucky life and health insurance exam?
Kentucky gives a separate exam for each line. DOI's published Life study outline lists 50 questions, 3 of them on Kentucky insurance laws. DOI does not publish a time limit, and the count for the Health exam should be confirmed with DOI.
What is the passing score for the Kentucky insurance exam?
You must answer 70% of the questions correctly (806 KAR 9:025, Section 2). That applies to each agent exam, including life and health.
Who administers the Kentucky insurance exam?
The Kentucky Department of Insurance administers it directly. You schedule an appointment in Kentucky eServices and test at a DOI test site (most are at regional community and technical colleges). Walk-ins are not accepted.
Does Kentucky require pre-licensing for life and health?
Yes. Resident applicants must complete 40 hours of Commissioner-approved study for life and health insurance, which is 20 hours for each line (806 KAR 9:025, Section 1). The course is valid for one year from completion.
What background check does Kentucky require?
Kentucky residents request a criminal background report from the Administrative Office of the Courts and upload it in eServices. DOI says the AOC report is valid for 60 days.
How many times can I take the Kentucky exam?
You may test an unlimited number of times within a 120-day period, and your expiration date is shown in eServices. DOI charges $50 for each scheduled retake, and DOI states that examinations cannot be rescheduled for the same day.
What does it cost to renew a Kentucky agent license?
Renewal is every two years. DOI's fee schedule shows a $0 renewal fee for an agent with one or more active appointments, otherwise the fee equals the $40 license fee. You also need 24 hours of continuing education, including 3 ethics hours.
Does a Kentucky agent need an insurer appointment?
Yes. An insurer must appoint the agent within 15 days of the earlier of the contract or the agent's first application (806 KAR 9:025, Section 7). DOI's fee schedule lists a $40 appointment fee per insurer.