Life Core
47%of exam
Health Core
46%of exam
Kentucky Law
7%of exam
Quick Facts
- Exam
- KY Life + Health
- Life
- 50 questions
- Health
- 50 questions
- Prelicense
- 20 hours per line
- CE
- 24 hours, 3 ethics
- Scheduling
- Appointment only
- System
- KOG eServices
- Fee
- $50 per attempt
- Law Anchor
- KRS Chapter 304
Life Roles
AIOB tracks who requests, owns, pays.
ApplicantInsuredOwnerBeneficiary
Life vs Health
Life
- Death benefit
- Cash values
- Beneficiary focus
Health
- Medical costs
- Claims provisions
- Renewability focus
Match loss type
Life Products
- Term
- Temporary protection
- Whole life
- Permanent fixed
- Universal life
- Flexible premium
- Variable life
- Securities risk
- Group life
- Master policy
- Credit life
- Debt payoff
Term vs Whole
Term
- Temporary coverage
- No cash value
Whole
- Lifetime coverage
- Builds cash value
Time horizon decides
Policy Roles
- Applicant
- Requests coverage
- Insured
- Covered life
- Owner
- Controls rights
- Beneficiary
- Receives proceeds
- Primary
- First paid
- Contingent
- Backup paid
Replacement vs Conservation
Replacement
- New policy
- Disclosure required
Conservation
- Keep policy
- Avoid unnecessary lapse
Document client benefit
Life Provisions
- Grace
- Late-pay window
- Free look
- Refund review
- Incontestability
- Challenge limit
- Suicide
- Early exclusion
- Reinstatement
- Restore lapse
- Assignment
- Transfer rights
Annuities
- Immediate
- Pays soon
- Deferred
- Pays later
- Fixed
- Guaranteed crediting
- Variable
- Separate accounts
- Indexed
- Index formula
- Suitability
- Client fit
Health Costs
DICE explains what patient pays.
DeductibleInsurance shareCopayExclusion
HMO vs PPO
HMO
- Network-centered
- Referral logic
PPO
- Preferred providers
- More flexibility
Network rules matter
Product Picker
- Temporary death need→Term life
- Lifetime fixed need→Whole life
- Flexible premium need→Universal life
- Market risk wanted→Variable life
- Longevity income need→Annuity
- Care-cost need→Medical expense
- Income-loss need→Disability income
- Custodial-care need→LTC
Health Products
- Medical expense
- Care costs
- Disability income
- Lost earnings
- LTC
- Custodial care
- Dental
- Oral care
- Vision
- Eye care
- Medigap
- Medicare gaps
Health Provisions
- Deductible
- Before plan pays
- Coinsurance
- Shared percentage
- Copay
- Fixed visit cost
- Exclusion
- Not covered
- Elimination
- Waiting period
- Coordination
- Avoids duplication
Managed Care
- HMO
- Network gatekeeper
- PPO
- Preferred network
- EPO
- Network only
- POS
- Hybrid access
- Medicare A
- Hospital
- Medicare B
- Medical
Kentucky Workflow
PREP before KOG, KOG before appointment.
PrelicenseRecordseServicesPhoto ID
Appointment vs License
License
- State authority
- Producer eligibility
Appointment
- Insurer authorization
- Selling relationship
Both can matter
Workflow Picker
- Need authority→Apply through NIPR
- Need exam access→Wait for DOI
- Need login→KOG credentials
- Need appointment→Kentucky eServices
- Need admission→Photo ID
- Need retake→$50 retake fee
- Need renewal→Complete CE
- Need ethics→3 CE hours
Exam Map
- Life outline
- 50 questions
- Health outline
- 50 questions
- Life law
- 3 questions
- Health law
- 4 questions
- Retake
- Next business day
- Pass
- 70 commonly cited
DOI Workflow
- DOI
- State regulator
- KOG
- Login credential
- eServices
- Schedule exams
- Appointment
- Required testing
- Walk-ins
- Not accepted
- Photo ID
- Admission requirement
Licensing + CE
- Life prelicense
- 20 hours
- Health prelicense
- 20 hours
- Combined plan
- 40 hours
- AOC report
- Background check
- CE total
- 24 hours
- Ethics CE
- 3 hours
Law Anchors
- KRS 304
- Insurance Code
- KRS 304.9
- Producer licensing
- KRS 304.14
- Life rules
- KRS 304.18
- Health rules
- KRS 304.42
- Health citations
- 806 KAR 17:081
- Health regulation
Common Traps
Single Combined Test
Separate outlines ≠ Not one combined limit
Scheduling Provider
Kentucky eServices ≠ Not PSI/Pearson
Prelicense Requirement
20 hours per line ≠ Not no prelicense
State Law Weight
Life has 3 ≠ Health has 4
Guaranty Association
Know purpose ≠ Avoid unverified caps
Last Minute
- 1.Know DOI workflow
- 2.Verify KOG access
- 3.Use eServices scheduling
- 4.Bring photo ID
- 5.Budget exam fee
- 6.Separate life and health
- 7.Memorize KRS 304
- 8.Drill replacement duties
- 9.Review annuity suitability
- 10.Finish CE numbers
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