Kansas Life & Health Insurance License Exam Overview
The Kansas Life & Health Insurance License Exam is administered by Pearson VUE on behalf of the Kansas Insurance Department (KID). Kansas offers a streamlined path to licensure with no pre-licensing education requirement, making it one of the fastest states to get licensed.
The Kansas insurance market benefits from a growing Kansas City metropolitan area, stable rural markets, and a business-friendly regulatory environment. With no pre-licensing requirements, you can go from studying to licensed in weeks rather than months.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 84 scored questions (Life or Health only) |
| Combined L&H Questions | 154 multiple-choice |
| Time Limit | 90 minutes (single line) / 2.5 hours (combined) |
| Passing Score | 70% |
| Testing Vendor | Pearson VUE |
| Exam Fee | $57-67 depending on exam type |
| Pre-licensing Education | NOT required |
Why Get Licensed in Kansas?
- No pre-licensing required - Start taking your exam immediately after studying
- Kansas City metro growth - Expanding market in the KC metropolitan area
- Low exam fees - $57 for single line, $67 for combination
- Business-friendly environment - Streamlined regulations
- Central location - Access to regional markets in neighboring states
Start Your FREE Kansas Life & Health Exam Prep
Our comprehensive, completely free Kansas Life & Health exam prep covers everything you need to pass the KID licensing exam.
Key Topics Covered on the Exam
1. Life Insurance (30%)
Products You Must Know:
- Term Life (renewable, convertible, decreasing)
- Whole Life (ordinary, limited pay, single premium)
- Universal Life (fixed, indexed, variable)
- Variable Life Products
- Group Life Insurance
Kansas-Specific Provisions:
| Provision | Kansas Requirement |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Suicide Exclusion | 2 years |
| Free Look Period | 10 days |
| Misstatement of Age | Adjustment of benefits |
2. Health Insurance (30%)
Major Coverage Types:
- Major medical insurance
- Disability income insurance
- Long-term care insurance
- Medicare supplement insurance
- Group health plans
Kansas Health Programs:
| Program | Description |
|---|---|
| Healthcare.gov | Federal marketplace for ACA plans |
| KanCare | Kansas Medicaid managed care program |
| CHIP | Children's Health Insurance Program |
| Kansas Senior Health Insurance Counseling for Kansas (SHICK) | Medicare counseling |
KanCare Details: KanCare is the State of Kansas' Medicaid managed care program administered by KDHE and KDADS. Three managed care organizations (MCOs) coordinate care: Healthy Blue Kansas, Sunflower State Health Plan, and UnitedHealthcare Community Plan of Kansas. The program serves over 415,000 Kansans.
3. Annuities (15%)
Kansas producers must understand:
- Fixed annuities
- Variable annuities (requires securities license)
- Indexed annuities
- Suitability requirements
- Surrender charges and penalties
Important: As of January 1, 2024, all Kansas producers must complete a one-time 4-hour Annuity Best Interest training course before selling, soliciting, or negotiating annuities.
4. Kansas Insurance Regulations (20%)
Key Kansas Statutes:
- Kansas Statutes Chapter 40 - Insurance Code
- Kansas Insurance Department authority and structure
- Producer licensing requirements
- Unfair trade practices
- Claims procedures
Agent Requirements:
| Requirement | Kansas Standard |
|---|---|
| Pre-licensing | NOT required |
| Background Check | Fingerprinting required |
| Fingerprint Fee | $60 |
| CE Requirement | 18 hours/2 years |
| Ethics CE | 3 hours required |
5. Ethics and General Insurance (5%)
- Agent duties and responsibilities
- Handling client funds
- Policy delivery requirements
- Complaint procedures
- Fiduciary responsibilities
Kansas Fingerprinting and Background Check
Kansas requires fingerprint impressions for all unlicensed applicants for state and national criminal history background checks. Pearson VUE offers digital fingerprinting at test centers in:
- Overland Park
- Topeka
- Wichita
The fingerprint-based background check fee is $60.
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Life insurance products | 10-12 |
| Week 2-3 | Health insurance coverage | 10-12 |
| Week 3-4 | Annuities and suitability | 8-10 |
| Week 4 | Kansas statutes and regulations | 8-10 |
| Week 5 | Practice exams and review | 10-12 |
Total recommended study time: 45-55 hours
Since Kansas has no pre-licensing requirement, focus heavily on self-study with quality materials.
Free Practice Questions Available
Practice with hundreds of free questions designed for the Kansas Life & Health exam.
Kansas-Specific Exam Tips
1. Master Kansas Insurance Code Chapter 40
Know these key provisions:
- Producer licensing requirements
- Policy provisions and forms
- Unfair claims practices
- Replacement regulations
2. Know These Kansas Numbers
| Topic | Kansas Requirement |
|---|---|
| Free look period | 10 days |
| Grace period | 30 days |
| Incontestability | 2 years |
| Pre-licensing | NOT required |
| CE requirement | 18 hours/2 years |
| Ethics CE | 3 hours |
| Background check fee | $60 |
| Exam fee (combo) | $67 |
3. Understand KanCare
Kansas Medicaid is delivered through KanCare managed care. Know:
- The three MCO options available
- Eligibility requirements
- How KanCare differs from traditional Medicaid
- CHIP integration with KanCare
Common Mistakes to Avoid
- Skipping study because no pre-license is required - The exam is still challenging
- Ignoring Kansas-specific statutes - About 20% of your exam
- Underestimating annuity questions - Suitability requirements are heavily tested
- Poor time management - 90-150 minutes goes quickly
- Forgetting fingerprinting - Required before license issuance
Continuing Education Requirements
After obtaining your Kansas license, you must complete continuing education:
| Requirement | Details |
|---|---|
| Total Hours | 18 hours every 2 years |
| Ethics | 3 hours required |
| Renewal Cycle | Based on birth month (odd/even years) |
| Carryover | No carryover allowed |
Special Training Requirements:
- Flood Insurance: One-time 3-hour NFIP course for Property/Casualty producers
- Annuity Suitability: One-time 4-hour course required (effective January 1, 2024)
- Long-Term Care Partnership: Initial 4-hour training plus 1-hour annual updates
After Passing Your Exam
- Complete fingerprinting at Pearson VUE location ($60)
- Apply through NIPR (National Insurance Producer Registry)
- Pay application fee to Kansas Insurance Department
- Receive license - Usually 5-10 business days after approval
- Complete appointments with insurance carriers
2026 Kansas Updates
For 2026, be aware of:
- Annuity Best Interest training requirement now fully in effect
- KanCare managed care organization updates
- Modified continuing education delivery options
- Enhanced background check requirements
Start Your Kansas Insurance Career Today
Kansas offers one of the fastest paths to insurance licensure with no pre-licensing requirement. Pass your exam on the first try with our free prep.
Our free study materials include:
- Complete topic coverage for Kansas Life & Health exam
- Practice questions with detailed explanations
- Kansas statute summaries
- KanCare and health program coverage
- AI-powered study assistance
Get licensed faster with 100% FREE prep materials.
Contact Information
Kansas Insurance Department 1300 SW Arrowhead Rd. Topeka, KS 66604 Phone: 785-296-3071 Consumer Hotline: 800-432-2484 Email: KDOI.Licensing@ks.gov
Pearson VUE Phone: (888) 204-6255 Website: pearsonvue.com