Kentucky Life & Health Insurance License Exam Overview
The Kentucky Life & Health Insurance License Exam is administered by the Kentucky Department of Insurance (DOI) with testing services provided by PSI Services. Kentucky offers a growing market with kynect, the state's health insurance exchange.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice (combined exam) |
| Time Limit | 190 minutes (3 hours 10 min) |
| Passing Score | 70% |
| Testing Vendor | PSI Services |
| Exam Fee | $50 |
| Pre-licensing Education | 40 hours (20 life + 20 health) |
Why Get Licensed in Kentucky?
- State exchange — kynect health marketplace
- Growing Louisville — Healthcare industry hub
- Medicaid expansion — Large covered population
- Central location — Regional market access
📚 Start Your FREE Kentucky Life & Health Exam Prep
→ Start FREE Kentucky Life & Health Exam PrepFree exam prep with practice questions & AI tutor
Key Topics Covered on the Exam
Life Insurance (30%)
| Feature | Kentucky Standard |
|---|---|
| Grace Period | 30 days |
| Incontestability | 2 years |
| Free Look | 10 days (20 for replacement) |
Health Insurance (30%)
- kynect (state-based exchange)
- Kentucky Medicaid expansion
- KCHIP (children's program)
Kentucky Insurance Regulations (15%)
- Kentucky Revised Statutes Chapter 304
- DOI authority
- Producer licensing
| Topic | Kentucky Requirement |
|---|---|
| Pre-licensing | 40 hours (20 per line) |
| CE requirement | 24 hours/2 years (incl. 3 ethics) |
| Passing score | 70% |
→ Begin FREE Kentucky Life & Health Exam Prep NowFree exam prep with practice questions & AI tutor